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Hi guys i came across this forum browsing google for answers! Hope you can help.
I know this is fairly long winded but i feel i need to get all points across accurately i purchased an offroad bike from a dealer in 2009 i then part exchanged this bike a few months later as i just didnt get on with it. Anyway all was fine for a couple of months and the dealer i part ex'd the bike with called me to say it was a stolen bike and he had spent a few days in a cell and the whole place searched etc
I found that bit hard to believe but he wanted paying for the bike or the one i had from him back.
Several things made it hard for me to believe it was stolen etc but in the end after police being involved dispite my efforts to prove it was not stolen they gathered enough evidence to sway me to believe it was, we went to court and it was agreed it was a stolen bike, i was not ordered to pay him by the court, the judge said to us we can settle the debt between us, which i had put something in place with him outside the court but nothing official. I returned home and had a message from him calling me all the names under the sun, a liar etc because he had found out my father had his own buisness also. We tried to explain its me with the debt and i would hold my agreement but we just got threatened and abuse so we didnt bother contacting him again.
From this day on i had a couple of letters from debt agencies but ignored these and nothing came of it. Then recently about 2 weeks before Xmas 2013 i came to work and had a letter stuffed in my door which was a notice of seizure form 55
I have never recieved a letter stating i owe anything so can they just jump in with these?
It had written they had seized my fathers van which has some advertisement for my buisness on it and is used for work, which my father proved it was his so that was that worry gone, i then spoke to the HCEO that issued the form 55 and they wanted me to propose how i will pay my debt so i explained the situation and said i dont think its fair i am being taken for the whole value of the bike when both of use bought it in good faith so i offered them half of the bikes value only (borrowing from family) or a monthly payment but both were declined and i got a mail saying i needed to revise my offer or further action will be taken.
At this point i decided to go bankrupt as i can prove i dont have the income needed to pay the debt, im not even on minimum wage but i get help form my father for general living etc, i do not claim any benefits. Im self employed but only as 5% partner. My buisness is a retail shop. I have all the forms to do so but need to go to CAB to get help filling them out
I have looked into going bankrupt and i know the ins and outs, costs etc ideally it would be good not to proceed with it but thats what i will do if needed.
My questions start here, i came in this morning to find another letter stuffed in the door frame from the HCEO which is another form 55 notice of seizure, this time the goods seized it says ' All goods of defendant on property to satisfy the debt'
I am now stuck with what to do, i dont have the money to pay this debt. I have never seen a bailiff and they have never had entry to my buisness address, they do not know my home address and this is a personal debt not debt of the buisness. I have not signed anything either.
Also on the last bit of the letter it has the walking possession agreement and this is dated 11-11-2010 so over 3 years ago? is this whole thing still valid?
How can i stop them coming back or pestering me as i go bankrupt?
The debt is for around £3500 but with fees etc and interest its now totalling about £6000 like i said ive only had 2 letters delivered and that is all, is this too unreasonable?
Any help will be very much appreciated, my mind is all over the place at the moment, id just like start going in the right direction but dont want to go bankrupt if this whole thing is void as i read somewhere the judgement only lasts 1 year and this dates back too 2010
Thanks in advance, sorry for the essay!
I know this is fairly long winded but i feel i need to get all points across accurately i purchased an offroad bike from a dealer in 2009 i then part exchanged this bike a few months later as i just didnt get on with it. Anyway all was fine for a couple of months and the dealer i part ex'd the bike with called me to say it was a stolen bike and he had spent a few days in a cell and the whole place searched etc
I found that bit hard to believe but he wanted paying for the bike or the one i had from him back.
Several things made it hard for me to believe it was stolen etc but in the end after police being involved dispite my efforts to prove it was not stolen they gathered enough evidence to sway me to believe it was, we went to court and it was agreed it was a stolen bike, i was not ordered to pay him by the court, the judge said to us we can settle the debt between us, which i had put something in place with him outside the court but nothing official. I returned home and had a message from him calling me all the names under the sun, a liar etc because he had found out my father had his own buisness also. We tried to explain its me with the debt and i would hold my agreement but we just got threatened and abuse so we didnt bother contacting him again.
From this day on i had a couple of letters from debt agencies but ignored these and nothing came of it. Then recently about 2 weeks before Xmas 2013 i came to work and had a letter stuffed in my door which was a notice of seizure form 55
I have never recieved a letter stating i owe anything so can they just jump in with these?
It had written they had seized my fathers van which has some advertisement for my buisness on it and is used for work, which my father proved it was his so that was that worry gone, i then spoke to the HCEO that issued the form 55 and they wanted me to propose how i will pay my debt so i explained the situation and said i dont think its fair i am being taken for the whole value of the bike when both of use bought it in good faith so i offered them half of the bikes value only (borrowing from family) or a monthly payment but both were declined and i got a mail saying i needed to revise my offer or further action will be taken.
At this point i decided to go bankrupt as i can prove i dont have the income needed to pay the debt, im not even on minimum wage but i get help form my father for general living etc, i do not claim any benefits. Im self employed but only as 5% partner. My buisness is a retail shop. I have all the forms to do so but need to go to CAB to get help filling them out
I have looked into going bankrupt and i know the ins and outs, costs etc ideally it would be good not to proceed with it but thats what i will do if needed.
My questions start here, i came in this morning to find another letter stuffed in the door frame from the HCEO which is another form 55 notice of seizure, this time the goods seized it says ' All goods of defendant on property to satisfy the debt'
I am now stuck with what to do, i dont have the money to pay this debt. I have never seen a bailiff and they have never had entry to my buisness address, they do not know my home address and this is a personal debt not debt of the buisness. I have not signed anything either.
Also on the last bit of the letter it has the walking possession agreement and this is dated 11-11-2010 so over 3 years ago? is this whole thing still valid?
How can i stop them coming back or pestering me as i go bankrupt?
The debt is for around £3500 but with fees etc and interest its now totalling about £6000 like i said ive only had 2 letters delivered and that is all, is this too unreasonable?
Any help will be very much appreciated, my mind is all over the place at the moment, id just like start going in the right direction but dont want to go bankrupt if this whole thing is void as i read somewhere the judgement only lasts 1 year and this dates back too 2010
Thanks in advance, sorry for the essay!
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