no not at all sir, Im not legally trained or minded
is there any way I could get legal help to appeal & to a new hearing as I have explained I have no monies to afford a solicitor or indeed a barrister is there any charaties you could put me on to that could assist me please I am in need of serious help I fear I could end up in jail, please any help at all
The issue was on how the property was to be divided.
I owned a house with my ex partner, she lived in the property prior to me, with her ex husband. When I took over the mortgage with her she had been through a divorce and needed to pay him his share, I agreed to this being part of the mortgage. However I did not realise that she had me sign a form that stated I agreed to pay her legal aid fees as well, and the Land Registry have put a restriction on the land. During our court hearing today, it seems that I am only entitled to 21% of the settlement, but the court went onto deduct, my share of the outstanding mortgage, half of the LSC charges, and then her barrister costs,,,,,, so on and so on untill I have ended up in debt. This cannot be right, she has walked away after I have paid the mortgage for all this time, with the house souly belonging to her, and with me paying her debts.
I am out of work and cannot afford to pay such high costs, without paying I fear that I will go to jail for debt.
Thank you. Let me put your mind at rest. Debtors prisons were abolished atthe end of the -century although I understand that the legislation was notactually repealed until about 60 years ago. The only time you will ever go toprison is for a debt which is owed to the government. So don't worry aboutthat.
There is no legal aid available for this kind of matter and you are facedwith either dealing with it yourself or paying for solicitors.
Without knowing full details of the case from the very beginning, it isvery difficult to advise why you ended up with all these various costs againstyou.
Would it worry you if you went bankrupt? Do you have savings or a house?
Can I help further?
No I do not have savings or a house, so what happens if I declaire myself bankrupt ? & how do I go about it.
If you cannot afford to pay these debts, then the first thing you should dois see a debt counsellor or an insolvency practitioner. To make yourselfbankrupt you will have to find about £400-£700 so there is no point in doing ityourself, you may as well let one of your creditors do it for you. Let themhave the expense. The insolvency practitioner will advise you.
If you do gobankrupt, most of your debts are wiped out apart from certain maintenance arrearsand student loans.
It will affectyour credit rating and you will not be able to get credit over £250 withoutadvising whoever you are borrowing from that you have gone bankrupt.
After one year,you are discharged but it stays on your record for some years. Basically, itdoes give you a fresh start though.
If you Google "canI go bankrupt" you will get plenty of reading. Here is one that I found http://news.bbc.co.uk/1/hi/business/8570467.stmand here is another one to keep you occupied http://www.adviceguide.org.uk/england/debt_e/debt_help_with_debt_e/debt_dealing_with_urgent_debts_e/bankruptcy.htm
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