Again - he's lying. Mortgages and secured loans are not included in IVAs. They can't be, they are secured! The company I used to work for was First Plus, a secured lender, so I can tell you that with some confidence, because we got people ringing us all the time saying "But I'm in an IVA, you can't demand full payment" to which we would reply "Yes we can, unless you want us to repossess your house".

If they've agreed on a payment plan with Northern Rock, it's entirely voluntary on NR's part and they can revoke it at any time and repossess, so watch him laugh when they lose their patience! When I worked for First Plus, NR were one of the post reposess-happy mortgage lenders going, though whether this has changed after the government rescue I don't know.

He is feeding you a large amount of doo-doo.

siany, yes, you are able to get certain forms orf credit with a knackered credit rating as I said - some companies specialise in what's called sub-prime lending, and it's possible that these vultures have extended their lending criteria to those recently released from bankruptcy petitions since I swapped banking for professiona bum-changing, however, the maximum credit rating you're likely to get on these cards is £500, which doesn't cover a holiday for 6 to Egypt!

Also, whilst there are those who seem to get away with it, a decent Official Receiver wouldn't let massive purchases on credit slip past un-noticed, When you enter bankruptcy you have to undergo a pretty intense interview, where you're basically asked to justify the position you've got yourself in. Big spends on credit cards and new maxed out overdrafts should techinically be questioned, and the OR can deny the bankruptcy petition if he thinks the petitioner is trying to pull a fast one. If it goes through and a lender becomes aware of the issue, they can technically bring charges against the bankrupt - I think the spoecific charge is obtaining services by deception but I could be mis remembering,

They will allow you to keep items of value essential to carrying on gainful business (so, a taxi, decks and equipment if you were a DJ, etc) and a car if it's essential for commuting, though if it's a valuable one they may seize it and grant you and allowance to buy a cheaper one.

So yeah, there are some slimeballs who slip through the net, but it's not actually very easy to do - it's pure luck rather than any sort of skill on their behalf, if they get a dozy Official Receiver!

tbh tho it wldn't surprise me if lately they are all a bit 'dozy', when stepdad had his interview, it was over the phone! lasted 25 minutes and that was that. he did have to fight for his cab tho, they only let him keep it, because he wld be worse off than before na dit really isn't of any value to anyone else, especially ebing as old, needs extra checks etc to keep the liscence on it. but they day he had his interview with the receiver he was number 31 that day for that receiver, and god knows how many were after him. apparantly they've started doing it obver the phone here becasue there is simply so many applications its the only way to cope with them all, so wldn't surprise me if they were being a bit lackadaisical. xx

Yup, the number of people forced to turn to bankruptcy is scary. It's no easy way out, and is a distressing thing for most people, hence twonks like Emmas DH's workmate make me want to beat them to a pulp!

Thanks Mrs S, thats makes me feel better as hopefully he isn't coming out smelling of roses like he has told us.
You are so right, it's a scary time and I for one don't think I could go through it. Twonk - thats a polite term for him! xx

siany is right they reduced the years of bankruptcy from 6 years down to 6 months last year I think it was . After 6 months they can get credit again but do have to declare it fr a certain period of time .

I think whats hapened here is they have entered into an iva then havent stuck to it so one or more of the companys have forced them into bankruptcy which has been lifted after just 6 months . I know a lot of ppl who have done it .

someone I know well did it but lived i a council house She was evicted from the council house for non payment of rent bt rehoused in a brand new 4 bedroom house with garage that my local council had brought to help with the lack of council housing.

In the mantime her hubby gave up his job so they pay no rent or council tax etc

I went the other day and they have 50ich samsung tv on the wall and brand new leather corner settee and chairs. A new washer dryer diswasher dining table and new carpets throughout.

They drive around in a brandnew disability car tha they py no insurance on . They do loose part of her daughter disabilty money becoz of it but they still get 55 a week carers allowance for her . All in all thier house is much better than mine and they have more than me. My DH works 60 hr weeks Im currently working about 25-30 hrs and we can barely make ends meet and Im jealous . Sometimes I wish I hd no morals and I could allow us o loose y house and go on the dole and stuf it seems the way t go is to fiddle the system for whatever we can otherwise we just dont get on in life x

The length of a bankruptcy order is determined by the court, discharging bankrupts in 6 months is nothing new, but a year is a more usual term.

If these people claim DLA including mobility allowance for their disabled child, they are fully entitled to a Motability Scheme car, Carers Allowance and Care Component DLA, and regardless of their other circumstances should not be envied it. There's not an awful lot of fun in having a disabled child, it's certainly not something to be jealous of, and they are entitled to those benefits.

At the end of the day, SIL, they may have material goods now, but in the long run, people like this are the losers. We, on the other hand, get to hold on to our dignity, self-respect and pride! ;-) We also get to know that we have worked hard to keep our homes which we will be able to pass on to our children - they will never have that.

Im not going to write a big long reply as I could go on forever and I have 2 hungry babies but I wanted to say that MrsSetters - your last paragraph is spot on and is the way I try hard to look at things when I get down about money. At the end of the day, I do not WANT to be one of these people. I am proud of the fact that me and hubby work hard for what we have and can teach our children what benefits are there for (they have a very important purpose remember) and that they are not to be used lightly.

i agree fully with mrs setters, i have worked in the debt field for years & iva's & br really irriates me when done under these circumstances

i agree fully with mrs setters, i have worked in the debt field for years & iva's & br really irriates me when done under these circumstances

i agree fully with mrs setters, i have worked in the debt field for years & iva's & br really irriates me when done under these circumstances

thing is though chick . The child in question isnt actually as disabled as they say . She is supposed to be unable to walk more than a few yards but uses trampolines often . And " is only allowed to wear high heels in the house so noone sees her"

and the car is rarely used to transport the child as the school is over the road and she uses a wheelchair lol.

Quote:

My daughter can't walk very far at all, but she loves trampolines.

Motability cars aren't just for transporting the disabled person, they are to be used for their benefit. Which means that if a parent uses it to commute to work, that benefits the child as they earn a wage for the family. If the parent uses it to drive to the supermarket, that benefits the child as she gets to eat what has been bought. It's to make life as a family easier and more fun, not strictly to drive the child places.

I am frequently challenged by people who think I shouldn't be parking in disabled spots, and who respond to my waving DD's blue badge at them with "Well she doesn't LOOK like she's got anything wrong with her!". Believe me, I sometimes have to be physically restrained from renting their carotid in two with my fingernails.

Live it, then judge. Having a child with disabilities is tough.

I have to agree with Mrs Setters. My daughter has recently been diagnosed with Juvenile Arthritis. She has had 10 joints that have become affected over the last 6 months and will be starting long term meds at the end of this month. It has taken me until last week to send off our DLA form because i too questioned whether we had any right to claim. On looking at our daughter she doesn't 'look' disabled at all but the nature of her condition means that some days she will behave like any other child and then other days she is laying on the floor screaming that her knees and ankles hurt and she can't make the 15 minute walk to preschool. And i have to question whether i could too with arthritis in those joints? She pushes herself to be like all her peers but behind closed doors our days involves 3 sessions of physio, a hot bath to soothe the joints and four lots of ibuprofen just so she can move in the mornings.

We used all our savings on trips to her Consultant (120mile round trip once a month) and the nearest hydro pool is a 60 mile round trip which they recommend she does at least once a week so after swallowing my pride (DH and I both work & have never claimed anything other than CB and CTC) I have sent the form off.

I apologise for my ramble but one of the big issues that held me back from sending off my form sooner was that for anybody that does not know us personally, they would look at my daughter and think that because she doesn't 'look disabled' that we were defrauding the system in some way.

People claiming DLA for a disabled child should not be included in this type of discussion unless you know for certain they are behaving fraudulently in some way. We have not received a decision on our claim yet but I understand they will be contacting our Consultant so i'd be surprised if people got away with making fraudulent claims for children as there will be medical records to back everything up.

I really hope i haven't come across negatively as that is not my intention and i totally agree with the main bulk of the rest of the thread.

I also think DLA should be left out of this conversation. That isnt what the OP was about, and the OP had nothing to do with DLA. I wont go into personal experiences, and I do not have a child with disabilities, but I do know quite a lot about it, and I know that DLA is very difficult to get and not nice to have to apply for for many of the people who get it.

Again, I would just hope the person in the OP gets what they deserve!!