Hi, no as far as I can tell, they may be appointed by the council. The only asset we really have is my wifes vehicle and our worldly goods. I am also in the process of bankruptcy proceedings.The premises that we now reside in, is my wifes business, it is a public house and we live above it
Thank you for that, I have spoken with them and informed them of the above, reiterating that it is my wires business and that I have no assets. That it was a prisononable offence, and that fraud was as well. They have insisted that they are still coming.We live live up stairs, can they force entry into my home ?
Hi again AlexI am sorry to be so persistent, but this is extremely stressful and I don't know what to do. I have as I said actually started the process for bankruptcy and am just waiting for a call back. In the mean time, these bailiffs are on their way
We live on my wires business premises, above them to be exact. I have been told that they can come into a business premises as we are open to the public. If this is the case, can they force entry into our home upstairs.
Your help has been hugely appreciated
We live on my wifes business premises, above them to be exact. I have been told that they can come into a business premises as we are open to the public. If this is the case, can they force entry into our home upstairs.
Hi yes, the door has a combination lock. I have secured the services of a company that will be assisting me with the bankruptcy, they have sent me documents in the mail, so that I may fill in and start the process
Hi Alex, one thing I forgot to add, was that about two years ago, I was out of the country and we were in the process of changing bank accounts. My wife put the business account in her name, because I was not available at the time. Does this make her liable for any of my debts that I incurred. All of the debts are in my name and have been signed for by me.Many Thanks
Hi Alex, your advice has been truly helpful through these stressful times, thank you. I have one final question to ask. It seems that I will be getting some money back after all of this. Roughly 28000 pounds. Not enough to get me out of trouble, so I will still proceed with the bankruptcy. We had to lend money from a cousin, as well as my mother to help us out. I want to pay them back first. I have proof that they deposited money into my account.I will only be going through with the bankruptcy once I have been able to pay them out. I am sure that the receiver will see this when they look into my affairs, how can this affect me ?
Mike de Gouveia
HiMy cousin, I owe 9700 pounds and my mother over 70000 pounds.
Hi, well I guess that is not very good at all. I am reluctant to ask the following but have no option. What are the consequences of withdrawing the funds in cash and then dispersing them ? ……….. not good I am sure
Hi Alex, not sure if you received the second part of my question. I only ask this because I have to. What are the consequences of withdrawing the money in cash and then dispersing the funds ?I am sorry to have to ask this question.
Its been a while since we past spoke, but it looks like I am sorting things out and am proceeding with my bankruptcy. I have managed to pay some of my debts off and will see the court for my case on 17th of April.I have one last question to ask, I was out of the country and my wife signed a contract for a laundry service on my behalf.The contract states that Ye Old Crown is the customer and my wife signed where it says customer signature. As I have said before, I am a sole trader trading as Ye old Crown. They are now trying to hold her responsible for the outstanding debt.
Is she liable for this debt, which is mine ?
Kind regards Mike de Gouveia
Thanks for your prompt response Alex. I do owe roughly £ 3300.I have a copy of an invoice and it is made out to Ye Old Crown, nowhere on the invoice does it mention my wires name, or even mine for that matter.
The same for the contract, but as I said, my wife signed for that.RegardsMike de Gouveia
Thanks for the reply.
As far as I can see the contract is between Ye Old Crown (me) and Berendsen Linen (sunlight). I attach a copy for your perusal.
Hi again AlexThey are asking for £3300. My latest situation is that I have now been declared bankrupt, but my head is still spinning with the stress of it all. So just a few more queries.The receiver has contacted me telephonically and has also set up a further date for another telephone interview.I have told them how much I was paid out and who I paid back what monies to, they then asked for the names and addresses of these people, and I have given that to them.My problem is that I cannot accurately account for about £11000 that was in my account, that I withdrew in cash over a period of time.I have also helped my wife business to get on its feet, so that we may survive as a family. The monies that I gave to her were withdrawn from my account and given to her in cash, that she deposited into her business account.My first big question is that if I don't tell them that this money was given to my wife, are they able to ask to see her bank accounts regardless ?I do understand that if I am unable to tell them to their satisfaction where all the monies went, that I could be held in contempt of court. What are the consequences of that ?So as I asked above, would they have the right to look into my wife affairs ? I only ask this, because it is critical for my families survival that her business is not affected.Or do I tell them that I gave the money to her to pay for debts that her business had accrued starting up. Some were for vat, electricity and so on. She no longer has those funds, so would be unable to pay that back if asked, unless they let her pay it back over a period of time.
I do still feel obligated to pay my debts back and am confident that my wife will be in a position to help me do this. I would with her help be able to pay about £100 a week, so could pay everything back within three years.Is this something that I could take to the bargaining table and is it something that they would normally entertain ?I have no other assets to speak of, so its all about the monies that I ws paid out and I guess should have settled part of my debts, bit this was not doable, as we would have been destitute and on the streets.I apologise for all the questions, but I have nowhere else to turn to.
Hi Alex, I am desperate for feedback as my appointment is for this Thursday.
Thanks for coming back to me.
The monies were withdrawn as cash from my account . The monies were then paid in as cash on her account. (not /on the same day either, and I withdrew in various amounts - not one lump sum).
The only assets i have had is the money I was paid out in February 2015.
One thing I forgot to mention is that the final outgoing settlement statement from Marstons Brewery to me, which I had to disclose to the receiver.
This statement shows a final payout to me of £33125, this after they had deducted a further £2700, this was an advance for stock purchased for my wife business. They had invoiced it as such, naming my wife and the name of her business.So, they may want that back as well and this could lead them to have grounds to investigate her account.If this is the case, should I tell them about the other funds, even though they were deposited in cash ? My real concern is that my wife has got her business up and running properly and it is starting to make money, but she would not have funds to reimburse, should they ask.Thanks Mike
I have paid her £11000. We are currently separated, but she has let me stay here until I can get on my feet. This has been because of all the stress and failed business, I only mention this because I have had to pay to stay here, living costs, kids, food and so on.Then there is also the matter that `i had not been paying my wife regularly and the amount that she should have received, so a fair bit of the £11000 was back pay. I don't know if that is relevant ?The business is in her name, she is Michelle de Gouveia, T/a