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wrongfull bankruptcy,desputed debt,insolvency,now evicted biast proceedings
wondering if anyone could advise me on what way do sort this mess out ,its a long story so many faults in proceidures , a bit hard to believe but its all true ,determind not to let these parasites infest any more!! Received stat demand + bankruptcy petition they were handed together on the doorstep. imediately took to soliciter ,we had 18 days to apply to courts.limit had expired ,received a letter from soliciter xmas eve 2010 stating that she needed more paperwork . got made bankrupt in our absence and they immedietly appointed insolvency practitioner (mazarz)
.credit card debt (lowell portfolio)3065.00 (original creditors Lloyds tsb)
.start of credit 1990 ,lowells 2008
.i myself have never had a credit card wiyh lloyds
.applied for annulment, court date oct 5 2011 (adjournd by lowells to find proof and particulers)
.no correspondance from court or date of hearing??
.on return hearing weightmans llp (soliciters of mazarz)no llowells?
.at hearing 5 november2011 they presented a fabricated printout very basic on payments to the account nothing else to support this.
.annulment dismissed (judge stated that i could apply for annother)
.my then soliciter closed her file as she exeeded the legal aid.
.I kept in contact with mazarz regulary ,sent them all documentation on my affairs.
.made them an offer of full amount they declined.(this was to safeguard my home)would sort debt despute soley for no more costs to arrise
.was intimidated and bullied by them was in great distress. not being properly adviced by anyone on proceedings .
. vulnerable adult with 1 dependant( ill health hypertention,loss in sight due to this,ongoing ankle injury not correcting)stress.
.applied for a couple of annulments,received no correspondance or notification from courts,queried this with no avail.
.june2012 intimidating letter off weightmans ,notice of hearing in couple of days ,not enough time to file defence.
.hearing ,one sided as usual ,no defence, no oppurtunity to address my opinion or facts .
.possession/ letter in post. judge advised on getting good legal rep,,,
.july 13th friday,letter weightmans notification of annulment hearing on 18th july
.long awaited opp arthrioscopy ankle,been refused previously blood presure dangerously high,immediatly informed court unable to attend.
.16th july statement of costs by weightmans nasty letter.
.july another hearing again received last minute, 2 days b4 hearing not leaving me any time to file defence.
.charge of sale ,to my advantage judge did apply a claus that my property could not be sold for less than £85k b4 this he advised that they could have sold for 10p if they wanted !! theaving b********!! still i would not be getting full value as a property sold next door went for £120 k .at the hearing again represented myself and tryied explaining to judge of receiving no notification of case ,or any correspondance since the rehearing of the adjournment case.
.was still waiting on notification on date of annulment hearing i applied for.
.i was under the impression that the dept was desputed so no further action could could be enforceable?
.a couple of hearings went ahead without my knowledge.unknown at the time.
received an eviction hearing applied to suspend this hearing was at diffrent court (llanelli)all along swansea county court i had been attending.
.9 oct judge adviced for this lissting to be moved back to swansea as he didnt know enough about the case,asap
.10 oct hearing swansea was adviced that ther was a barr on me applying for any annulments .i did not know of this!! postponed eviction for a later date.and adviced my acting soliciter that they could charge him and the firm a large summ??
.
.received no correspondance yet again,went to see a indipendant insolvency petitioner with all my paperwork ,informed me that i hadnt been given all relevant paper work for stst demand ..........,and how would i have been able to file my defence with nothing to go by??
contacted the courts for my case file and managed to speak to the clark ,He appologised !!! my soliciter had contacted them that morning inquering of next court date as nothing had been received,wanted to know who he was as all paperwork throughout case was sent to weightmans ..((mazarz soliciters)) **** !! court was to be held the next day ,but sayd he would go asap to judge explain the error and hearing would deffo be adjournd.if not dissmissd.
.Nov 1 2012 case went ahead we were at the hearing along with barrester .judge would not go back on his judgement or still not listen that i was not liable for the debt and had all proof to hand.
.B4 this hearing £42k the insolvency had extortionately charged me even though i still did not receive this in writing.for contesting a debt of £3k that i wer not liable for.
.received another eviction notice and applied to set aside hearing at llanelli county court.judge did not want to listen to anything and clearly sayd hed been advised on how to proceed dissmissed application eviction was to go ahead.
evicted with 1 dayz notice ,bn at my home 15 years ,as my 9year old daughter says "all her life", friends and school close .....mortgage up to date ,they havent been informed by insolvency that theyve taken theyre property ime making payment not to default ,
life has fallen appart ,my health is suffering adding to allready ill health but mainly through undue stress.my daughter is traumatized and disconected from friends .still homeless.
since the eviction the Key holder has emptyd bellongins bit by bit and pocketed what hes made clothes everything of value,even building materials duff ,sand ,chippins ,pvc faceures fitings ,pvc french doors weighed in metals .........to many to list still haven received any form of notification. Damaged a childs trampoline unecisary damage was not insolvent b4 all of this ,but now ime in hardship with no way to turn ,getting more angry as time goes on not giving in .
anybody with any knowledge to guide me i would be very gratefull x
wondering if anyone could advise me on what way do sort this mess out ,its a long story so many faults in proceidures , a bit hard to believe but its all true ,determind not to let these parasites infest any more!! Received stat demand + bankruptcy petition they were handed together on the doorstep. imediately took to soliciter ,we had 18 days to apply to courts.limit had expired ,received a letter from soliciter xmas eve 2010 stating that she needed more paperwork . got made bankrupt in our absence and they immedietly appointed insolvency practitioner (mazarz)
.credit card debt (lowell portfolio)3065.00 (original creditors Lloyds tsb)
.start of credit 1990 ,lowells 2008
.i myself have never had a credit card wiyh lloyds
.applied for annulment, court date oct 5 2011 (adjournd by lowells to find proof and particulers)
.no correspondance from court or date of hearing??
.on return hearing weightmans llp (soliciters of mazarz)no llowells?
.at hearing 5 november2011 they presented a fabricated printout very basic on payments to the account nothing else to support this.
.annulment dismissed (judge stated that i could apply for annother)
.my then soliciter closed her file as she exeeded the legal aid.
.I kept in contact with mazarz regulary ,sent them all documentation on my affairs.
.made them an offer of full amount they declined.(this was to safeguard my home)would sort debt despute soley for no more costs to arrise
.was intimidated and bullied by them was in great distress. not being properly adviced by anyone on proceedings .
. vulnerable adult with 1 dependant( ill health hypertention,loss in sight due to this,ongoing ankle injury not correcting)stress.
.applied for a couple of annulments,received no correspondance or notification from courts,queried this with no avail.
.june2012 intimidating letter off weightmans ,notice of hearing in couple of days ,not enough time to file defence.
.hearing ,one sided as usual ,no defence, no oppurtunity to address my opinion or facts .
.possession/ letter in post. judge advised on getting good legal rep,,,
.july 13th friday,letter weightmans notification of annulment hearing on 18th july
.long awaited opp arthrioscopy ankle,been refused previously blood presure dangerously high,immediatly informed court unable to attend.
.16th july statement of costs by weightmans nasty letter.
.july another hearing again received last minute, 2 days b4 hearing not leaving me any time to file defence.
.charge of sale ,to my advantage judge did apply a claus that my property could not be sold for less than £85k b4 this he advised that they could have sold for 10p if they wanted !! theaving b********!! still i would not be getting full value as a property sold next door went for £120 k .at the hearing again represented myself and tryied explaining to judge of receiving no notification of case ,or any correspondance since the rehearing of the adjournment case.
.was still waiting on notification on date of annulment hearing i applied for.
.i was under the impression that the dept was desputed so no further action could could be enforceable?
.a couple of hearings went ahead without my knowledge.unknown at the time.
received an eviction hearing applied to suspend this hearing was at diffrent court (llanelli)all along swansea county court i had been attending.
.9 oct judge adviced for this lissting to be moved back to swansea as he didnt know enough about the case,asap
.10 oct hearing swansea was adviced that ther was a barr on me applying for any annulments .i did not know of this!! postponed eviction for a later date.and adviced my acting soliciter that they could charge him and the firm a large summ??
.
.received no correspondance yet again,went to see a indipendant insolvency petitioner with all my paperwork ,informed me that i hadnt been given all relevant paper work for stst demand ..........,and how would i have been able to file my defence with nothing to go by??
contacted the courts for my case file and managed to speak to the clark ,He appologised !!! my soliciter had contacted them that morning inquering of next court date as nothing had been received,wanted to know who he was as all paperwork throughout case was sent to weightmans ..((mazarz soliciters)) **** !! court was to be held the next day ,but sayd he would go asap to judge explain the error and hearing would deffo be adjournd.if not dissmissd.
.Nov 1 2012 case went ahead we were at the hearing along with barrester .judge would not go back on his judgement or still not listen that i was not liable for the debt and had all proof to hand.
.B4 this hearing £42k the insolvency had extortionately charged me even though i still did not receive this in writing.for contesting a debt of £3k that i wer not liable for.
.received another eviction notice and applied to set aside hearing at llanelli county court.judge did not want to listen to anything and clearly sayd hed been advised on how to proceed dissmissed application eviction was to go ahead.
evicted with 1 dayz notice ,bn at my home 15 years ,as my 9year old daughter says "all her life", friends and school close .....mortgage up to date ,they havent been informed by insolvency that theyve taken theyre property ime making payment not to default ,
life has fallen appart ,my health is suffering adding to allready ill health but mainly through undue stress.my daughter is traumatized and disconected from friends .still homeless.
since the eviction the Key holder has emptyd bellongins bit by bit and pocketed what hes made clothes everything of value,even building materials duff ,sand ,chippins ,pvc faceures fitings ,pvc french doors weighed in metals .........to many to list still haven received any form of notification. Damaged a childs trampoline unecisary damage was not insolvent b4 all of this ,but now ime in hardship with no way to turn ,getting more angry as time goes on not giving in .
anybody with any knowledge to guide me i would be very gratefull x
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