I have asked but unfortunately no-one could help or advise as I live in Aberdeen, Scotland. I did get a few replies and they were kind, but couldn't help as I was north of border. My partner was made bankrupt for unpaid council tax and it is nearly a year ago. I have been advised that the OR is about to force sale on my home. We are unfortunately on a joint mortgage, which I added him to back in 1999 (worst thing I ever did. He has never contributed to the mortgage, agreement was he would pay council tax, which I thought he was, until last year. He is now not working and basically given up since last April 2008. Do I have a case to defend in court when they proceed. I am struggling to maintain mortgage payments and we also have a 16 year old son together who is staying on at school to do highers. Can someone please help. Kind Regards Diane (End of Tether)
I don't know the answer to your question I'm afraid,but I'm bumping this back up to the top so that one of the professional experts can answer you. Some of them do work in Scotland, so they should know the ins and outs.
Don't worry, someone will be along soon.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I'm sorry, I can't help you with your query, but I know that Melanie Giles who posts on this site practices in Scotland, and hopefully she'll be along soon to help you.
I have an office in Aberdeen, and at the risk of upsetting the forum administrators by suggesting I am advertising, we would be more than happy to have a chat with you about your situation.
I will probably get away with this, as your post seems to suggest that you need advice about your position regarding the matrimonial home, rather than a debt problem of your own. If you are looking for personal debt advice as well, I am duty bound to suggest that you select a number of different advisors and choose the one you feel is giving the best advice.
I apologise in advance, Admin, if I have crossed the boundary, but this lady does seem relatively deparate for help.
Another firm to seek help from is Invocas who are based in Scotland.
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Many thanks to all who replied to me as a new member on the forum. It is really nice to talk to people who understand as my partner and I have no communication, we don't even talk anymore. If it is alright with Melanie, I will contact you in Aberdeen and David thanks for the name of Invocas,I'll try to get in touch with them also. Many thanks to all again. Here's to a little happiness for all in 2009 [:)]
I hope you get yourself sorted dianef. Let us know how you get on.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Don't forget to let us know how you get on. Good luck.
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
hope youve had some luck diane please remember we are always here if you need help or support (myself i do everyday ! i live here [:D])
or even just a chat take care and please post if you want to luv FD X
Many thanks to all who responded to my last posting. Here we are at Monday already and back at work, although I sometimes think, what is the point, I'm getting nowhere with anything just now and am now just waiting on either recorded delivery letter or Sheriff Officers with WRIT from court with the date that it will be heard in court.
I did contact a Solicitor in Aberdeen and was told that even although the Council Tax debt was in my partner's name (as that was the agreement when I put him on the mortgage) that he would pay the council tax, why did I believe it??? I have no defence because the debt is due. I just cannot begin to imagine where to start if the Judge passes a date, I cannot see myself showing people round my home when I love it so much and it has been home for nearly 20 years. I just keep hoping for a miracle or a big win on lottery, some weeks it's hard to buy even a lucky dip. Since I visited Solicitor on Thursday, I feel worse and now have problem sleeping, not going to sleep as I am always so tired, but I waken up with images of strangers at bottom of my bed telling me and my son to GET OUT OF OUR HOME.
I think I have finally gone 'off the track', but I really feel totally useless and so much want to fight, but think there is no fight left. Thanks again everyone who replied. [:(][:(]
If not, I would recommend that you do so and get some professional advice.
You are having a terrible time of it at the moment, and they may be able to help you.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Hi Dianef - you did say your would ciontact Melanie's firm and Invocas - did you? Advice from an IP is what you need - so keep on fighting!
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
