Harrassment

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raeman

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Post by raeman » Thu Nov 08, 2007 3:04 pm
I am so glad I have found this site to vent my frustration can anyone please help me I am close to the presapace, on the very edge of my sanity and i need your advice.
I made the terrible mistake of accepting a loan from friends when we were in a bad situation. I reluctantly agreed. I thought at the time that we were solid, they knew our situation. The friendship went sour after 2 years and my financial situation went belly up. I was made bankrupt and i had no choice but to declare that debt. I paid them for as long as i could up until I was serquestrated against advice and they still harrassed us continually even when we had not missed a payment. The situation has gotten worse now that they are not getting paid and my family is being harrasssed. My daughter has been followed to school my wife abused in the street our business broadcast by their family and the worst part is no one can seem to help us. ASBO OFFICERS NEED MORE PROOF, THE POLICE NEED YOU TO BE ASSAULTED, OR SOMEONE HAS TO THREATEN YOU WITH YOUR LIFE.ASBO officers advised me that the trustee should get them for bankruptcy harrassment, but the trustee didnt have a clue.

I could do the same as them and take the law into my own hands but i want to leave that old person behind and get a new start. Life is not bright for me as I worry all the time what will happen to my wife and kids when I am at work. Has anyone been through this? do you know what I can do and whither there are laws that protect even the bankrupt from harrassment?
 
 

debbiw

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Post by debbiw » Thu Nov 08, 2007 3:09 pm
Hi, welcome

I am so sorry to hear your story, I can't advise you, but someone will be along shortly to help you. Please hang in there! x
 
 

Andrew Graveson

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Post by Andrew Graveson » Thu Nov 08, 2007 3:10 pm
Hi raeman,

Sorry to hear that your family and yourself are having such a hard time.

I am no legal expert but I would assume this would be governed by the usual laws of harassment rather than any law specifically relating to bankruptcy. I stand to be corrected by one of the IP's or legal experts.

The usual advice on this sort of subject seems to be to keep an ongoing written record (recorded afresh after each incident) of any issues. This will develop into a fairly sturdy piece of evidence over time.

Andrew Graveson
Independent Mortgage Broker & Bright Oak Debt Management
andrew@brightoak.co.uk
www.brightoak.co.uk
Andrew Graveson
Bright Oak Ltd
UK Debt Management Company
Website: www.brightoak.co.uk
 
 

ray_a

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Post by ray_a » Thu Nov 08, 2007 3:12 pm
Hi Raeman

Sorry to hear about your situation.

Like most things in this country it is very difficult to get any real justice in this country at the moment.

I would personally make a diary of events over the next month or so and then go back to the Police or perhaps try and get an order from a Magistrate by applying toi the court personally as you can bring a criminal action against them.

The debt which is a civil matter has ben dealt with by the civil courts through bankruptcy.

In any case by the behaviour would you want to pay them anyway for the abuse and hurt they have caused.

If it was me I think I would tell them that there you owe them nothing because you would bring an action against them for nuisance and anti social behaviour!!!

Hope that helps I am sure others will have a lot to say about this matter!

Good Luck
 
 

JulianSampson

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Post by JulianSampson » Thu Nov 08, 2007 3:13 pm
Your bankruptcy does not prevent you from benefiting from the basic protection affordable to any citizen. Whilst in practice the police may well find themselves unable to help I do think it worth ensuring they have your concerns on record.

I know there is no easy route here but I do hope you can get some help. You mentioned sequestration and, if you are in Scotland, I am afraid my advice wont stretch very far. I wonder if this is worth bringing up with your trustee and asking them to formally explain the position on the repayment of the debt. Sometimes all people are after is information and at least they wouldnt be in the dark!

Julian Sampson
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Wright & Wright LLP
www.wrightandwright.com
See my article in Clean Slate magazine
Kind regards

Julian Sampson
Solicitor
Wright & Wright LLP
www.wrightandwright.com
See my article in Clean Slate magazine
 
 

ray_a

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Post by ray_a » Thu Nov 08, 2007 3:19 pm
Hi Julian

Welcome to the forum and thanks for your help it would be nice to have a legal brain on board!

Many thanks

Regards

Ray
 
 

Andrew Graveson

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Post by Andrew Graveson » Thu Nov 08, 2007 3:28 pm
Hello Julian,

I agree with Ray; great to have a legal perspective on the site.

Welcome.

Andrew Graveson
Independent Mortgage Broker & Bright Oak Debt Management
andrew@brightoak.co.uk
www.brightoak.co.uk
Andrew Graveson
Bright Oak Ltd
UK Debt Management Company
Website: www.brightoak.co.uk
 
 

JulianSampson

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Post by JulianSampson » Thu Nov 08, 2007 3:41 pm
thanks all- please don't rely on it too much :)

Julian Sampson
Solicitor
Wright & Wright LLP
www.wrightandwright.com
See my article in Clean Slate magazine
Kind regards

Julian Sampson
Solicitor
Wright & Wright LLP
www.wrightandwright.com
See my article in Clean Slate magazine
 
 

raeman

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Post by raeman » Thu Nov 08, 2007 3:54 pm
Thanks for all of your advice. I am ashamed of my situation. I done this to my kids, and wife and now i live in fear, We keep a diary as advised by the asbo team and police but here in scotland it seems that there is little that can be done, one of my kids or myself and wife will have to be assaulted or worse before anything happens, The have family that have been in the SAS and they know seedy people, that they could have me sorted, but what can i do.

My wife is worried about me, my drinking, that takes the edge off, its just not fair, I wish I could wave a wand not make the stupid mistakes I did. It all started after the death of my Mother in Law It made my wife Suicidal and she is still very depressed. That was five years ago and we just didnt care about the debt. Nothing mattered to me except her being here with me, and those so called friends know all that and are trying to push us right over the edge. It just may work.

I also work with them and they have told everyone in the office what I am like and have said i WILL GET NO WHERE THERE. I am very good at my job and went for another job in the office they are friends with the interview panel so I know I dont have a chance . I am off work this week ill with the weight of worry. Thanks again everyone I appreciate any advise you can give me.
 
 

debbiw

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Post by debbiw » Thu Nov 08, 2007 4:03 pm
Hi Raeman

I feel so sorry for you, but please please stay strong. Everybody on this forum will talk to you and help you through your current situation, so please do not feel alone.
Life is worth far more than money! Always remember that. If you feel in danger, where you live, can you not stay with reletives for a while until this is sorted out. These people should be ashamed of themselves.. not you. You are doing your best to try to resolve the situation, you haven't just ignored it.
Please keep us all updated, and chin up mate!
 
 

raeman

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Post by raeman » Thu Nov 08, 2007 4:10 pm
I have no relatives that will help me, and some are really well off. I would not tell them either. We are not that kind of family I have not told any of my family they would not understand i know they wouldn't.

I will just have to wait, and see what time does, the great healer eh, its been so long since i didnt worry i dont know what to do next, does anyone know if it is Illegal, for your creditor to tell people about the details of your debts?
 
 

JulianSampson

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Post by JulianSampson » Thu Nov 08, 2007 4:14 pm
they would have a problem keeping the Information Commissioner off their backs (Data Protection)- but it all depends (doesn't it always!) on the type of information that leaked out. Even if this is an option you shouldnt let it divert you from your number one priority- yourself and your family. Keep focused because it is never worth litigating on a principle!



Julian Sampson
Solicitor
Wright & Wright LLP
www.wrightandwright.com
See my article in Clean Slate magazine
Kind regards

Julian Sampson
Solicitor
Wright & Wright LLP
www.wrightandwright.com
See my article in Clean Slate magazine
 
 

spla

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Post by spla » Thu Nov 08, 2007 5:09 pm
dont be so hard on your self are you the first person in the world to go br as for your socalled friends haveing familly in the sas they wouldnt know about it sas men dont advertise it any way i bet theyve got bigger things to worry about more than the few quid you owe your mate
 
 

Rainbow

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Post by Rainbow » Thu Nov 08, 2007 5:20 pm
Found this site on harrassment Law in Scotland might be useful for both at work and at home
http://www.neiladdison.pwp.blueyonder.co.uk
Do you live in Social Housing? If so you could make an application to move or application under the homeless legislation although I'm not brillant with Scottish Homeless legislation but you certainly could if you were in England.
Good Luck and best wishes
Rainbow

Every Cloud has a silver lining. At the end of the Rainbow is a Pot of Gold - Or Hope!
Every Cloud has a silver lining. At the end of the Rainbow is a Pot of Gold - Or Hope!
 
 

Skippy

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Post by Skippy » Thu Nov 08, 2007 8:40 pm
Hi Raeman, I can't offer you any advice, but I just wanted to say that I hope you get this awful situation sorted out so that you can live in peace.

I am fed up with the situation in this country where someone has to actually be hurt before the police are allowed to do anything. Good luck for the future x

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