(Thread IKs:
OwlFancier, crispix)
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smellmycheese posted:soooooo... anyone want to weigh in on the world of bankruptcy? Didnt particularyl want to bring it to the thread but my wife has robbed my business account, taken out fraudulent loans in my name etc. I am essentially hosed and need to declare bankruptcy Wow, that sucks so much. Sorry to hear it. I don't have any expe in the world of Bankruptcy, but from the point of view of divorce proceedings (which sound like a necessity after that.) have you reported it to the police? I know that they possibly aren't going to do much (if she had access to the accounts) but if it comes to the family court you will want an answer to the question of "your wife stole from you? Did you report it to the police?" Snipe: Bankruptcy in Irish Law is governed by the Bankruptcy Act of 1988. S.70 of same deals with Claims to Property in Possession of a Bankrupt. The Question IRL fucked around with this message at 18:48 on Mar 18, 2024 |
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Mar 18, 2024 18:45
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| # ? May 25, 2024 11:05 |
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smellmycheese posted:soooooo... anyone want to weigh in on the world of bankruptcy? Didnt particularyl want to bring it to the thread but my wife has robbed my business account, taken out fraudulent loans in my name etc. I am essentially hosed and need to declare bankruptcy Firstly have you spoken with the creditors and the police to say it's fraud. If so, what are they saying about it? What I will say is that if for whatever reason you did need to go BK, it's really not that big of a deal. It's honestly pretty painless. You fill in the form, you pay the fee, the judge signs off and you pay an amount you can afford for a couple of years. After that you are all clear and don't worry about it ever again.
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Mar 18, 2024 18:46
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This looks like a deleted scene from Threads
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Mar 18, 2024 18:47
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smellmycheese posted:soooooo... anyone want to weigh in on the world of bankruptcy? Didnt particularyl want to bring it to the thread but my wife has robbed my business account, taken out fraudulent loans in my name etc. I am essentially hosed and need to declare bankruptcy Talk to https://www.stepchange.org/ - charity that gives debt advice. I used to work for them before burning out and not wanting to have to go into an office I'd never worked in every day. Bankruptcy isn't the only insolvency, and they'll go through your finances to work out the best solution to your debt. They don't do business debt though, so you'd need to take legal advice for that.
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Mar 18, 2024 18:54
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Failed Imagineer posted:Is there a single person in the UK that's buying into this shite ...a helicopter?
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Mar 18, 2024 18:55
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T-shirt quote:quote:On refunds for the event, which some customers claim they are still to receive, he said: “I am not a scam artist, I am not a con man or anything like that. I don’t know if the guy has trouble speaking or if “The National” has editing issues but quote:“My life has been turned upside, my life is ruined,” he said. 
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Mar 18, 2024 18:55
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TACD posted:T-shirt quote: AI-generated interview
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Mar 18, 2024 18:56
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Jaeluni Asjil posted:ed: Note: Before being declared bankrupt there is an upfront cost payable of £680.
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Mar 18, 2024 18:58
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The £680 is the application fee - you have to pay it even if the Judge decides you don't get to go bankrupt. And no, you can't put it on a credit card (and have the debt included in the bankruptcy) - that would be fraud. It's surprising how often people came up with that one weird trick.
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Mar 18, 2024 19:05
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i'm voting The Unknown for person of the year
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Mar 18, 2024 19:06
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Renfield posted:The £680 is the application fee - you have to pay it even if the Judge decides you don't get to go bankrupt. Seems so daft - how are you supposed to pay it if you haven't got the dosh! Unless it's some sort of 'prove you can make repayments' type effort.
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Mar 18, 2024 19:07
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Failed Imagineer posted:Is there a single person in the UK that's buying into this shite i mean it's an interesting response to the country's roads falling apart but i think the money would be better put towards road repair crews and tarmac
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Mar 18, 2024 19:10
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i hope you are okay smellmycheese because that's bound to take a psychological toll
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Mar 18, 2024 19:18
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Yeah that sucks man, real sorry to hear you’re going through that. Sounds like a solicitor might be a good first port of call.
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Mar 18, 2024 19:23
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crispix posted:i hope you are okay smellmycheese because that's bound to take a psychological toll i forgot to add - she's blown the lot on online gambling. On loving fruit machines. mY bussiness money, our house deposit, my bank accout. I guess taking her to Las Vegas last year was a bad idea
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Mar 18, 2024 19:25
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Renfield posted:Talk to https://www.stepchange.org/ - charity that gives debt advice. That's an appropriate name for a charity that starts its consultations by asking what you were doing. More seriously: that's really awful, smellmycheese. Hopefully there's some way you can avoid liability for some of the loans at least, and there might be some banking protection on the business account? E: Jesus suffering gently caress, that's even worse.
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Mar 18, 2024 19:26
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smellmycheese posted:i forgot to add - she's blown the lot on online gambling. On loving fruit machines. mY bussiness money, our house deposit, my bank accout. Jesus Christ that’s brutal man. Were you getting divorced anyway or has this catalysed it?
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Mar 18, 2024 19:28
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smellmycheese posted:i forgot to add - she's blown the lot on online gambling. On loving fruit machines. mY bussiness money, our house deposit, my bank accout. loving online fruit machines. At least cocaine introduces you to some interesting personalities.
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Mar 18, 2024 19:31
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So sorry mate. When I saw you say your wife had robbed you my first thought was that it was gambling. lovely situation, hope you're doing OK. I know a guy who spent £20k on fruit machines over the course of about 2 years. He could basically afford it but obviously still not good. Pretty sure he's since dialled it back. Disgusting bloody things that shouldn't be allowed to exist.
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Mar 18, 2024 19:38
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Online gambling is a curse and politicians who take money from those predators should be run out of society. Looking at you Rachel Reeves, Wes Streeting, and Keith.
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Mar 18, 2024 19:41
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crispix posted:i mean it's an interesting response to the country's roads falling apart but i think the money would be better put towards road repair crews and tarmac It's more affordable and safer for the rich to take it to the skies so they don't have to sit in the traffic with common hoodlums. And who knows, maybe you will occasionally get a surprise visit from the airlords when the robodrone carrying them over your slum malfunctions and crashes through your bedroom ceiling.
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Mar 18, 2024 19:43
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Jakabite posted:Jesus Christ that’s brutal man. Were you getting divorced anyway or has this catalysed it? No. I loved and trusted her. She had complete control over the business accounts for my media business Now you’re in TV. Going to have sell all my kit so if you’re ok the market for an FX6, Sachtler tripod, lots of nice lenses and an RS3 gimbal let me know lol
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Mar 18, 2024 19:44
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smellmycheese posted:i forgot to add - she's blown the lot on online gambling. On loving fruit machines. mY bussiness money, our house deposit, my bank accout. Oh my god, that is horrendous. I’m so sorry. You’ll get through this.
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Mar 18, 2024 19:59
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smellmycheese posted:No. I loved and trusted her. She had complete control over the business accounts for my media business Another thing you might need to consider doing is making a public declaration that you are not responsible for her debts - seen notices like that in our local paper on several occasions! I'm not sure if there's a legal form of words for that.
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Mar 18, 2024 20:06
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smellmycheese posted:soooooo... anyone want to weigh in on the world of bankruptcy? Didnt particularyl want to bring it to the thread but my wife has robbed my business account, taken out fraudulent loans in my name etc. I am essentially hosed and need to declare bankruptcy You need to call the Police and your bank in that order. After that I would engage with a solicitor.
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Mar 18, 2024 20:07
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love the smell of hot tarmac, i do
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Mar 18, 2024 20:09
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serious gaylord posted:After that I would engage with a solicitor. I think this might be too soon to start a new relationship 
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Mar 18, 2024 20:16
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Nenonen posted:I think this might be too soon to start a new relationship Girls who solicit don't typically do relationships 
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Mar 18, 2024 20:18
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Aw but she said she really liked me.
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Mar 18, 2024 20:21
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I was just writing up a post saying thank you to all the good advice I got last week, but oh Gosh Smellmycheese. Keep safe and, get in touch with the finance people. If you have a mortgage or anything in a joint name then please look into getting it changed to be in your name only. Also defo get in touch with the police about this.
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Mar 18, 2024 20:23
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I don't think you should be selling your stuff to cover her gently caress up to be honest, really does seem like this needs to go to the police cos you can't be being held responsible for that.
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Mar 18, 2024 20:23
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serious gaylord posted:After that I would engage with a solicitor. Assuming money is tight, if smellmycheese has any kind of insurance (house, car etc) that'll probably come with a legal advice line - even if they didn't take out the Legal Expenses Insurance option on the policy. That'd be a pace to start with legal advice, before paying for it (The other place is the CAB, but their swamped all the time).
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Mar 18, 2024 20:26
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OwlFancier posted:I don't think you should be selling your stuff to cover her gently caress up to be honest, really does seem like this needs to go to the police cos you can't be being held responsible for that. Double post cos I just saw this. smellmycheese posted:Now you’re in TV. Going to have sell all my kit so if you’re ok the market for an FX6, Sachtler tripod, lots of nice lenses and an RS3 gimbal let me know lol Disposing of assets before going for a bankruptcy (or other insolvency) could be seen as a Bad Thing - get advice before doing this. (edit) If the stuff is tools of the trade that you need to have an income, you might not have to get rid of them. Renfield fucked around with this message at 20:33 on Mar 18, 2024 |
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Mar 18, 2024 20:28
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Mans been robbed. Best thing he can do is get the police involved and they can freeze assets and at least try and recover something. Prolific gamblers have loads of accounts to get around the spend/loss limiters so there may be some money to claw back.
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Mar 18, 2024 20:33
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Also reporting a crime opens up various avenues for legal advice. A lot of solicitors are happy to advise you on what your options are for a very small fee, if not free if you are a victim of a crime.
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Mar 18, 2024 20:35
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Yeah I get that it's a lot harder cos it's your wife but yeah this is robbery, identity theft, fraud, all that poo poo. You can't be trying to cover the debts someone else has took out in your name by lying, it's not yours to cover by any rights. Not least cos like, you probably literally can't cover it so it's gonna have to come to legal recourse to get them wiped out. Doesn't make sense for you both to get all your stuff taken because of it.
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Mar 18, 2024 20:37
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Started to write a 'my 2 cents' advice comment then scrubbed it out, just going to say sorry you're going through all that, really sucks.
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Mar 18, 2024 21:00
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Your union may also provide (non-work related) legal advice as a benefit of membership, worth checking.
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Mar 18, 2024 21:06
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That's a terrible situation to be in, gently caress  Just know it's not your fault. Personally I would make sure to note down the dates and times that everything happened, including when you found out, as it's surprisingly difficult to recall that info once a few months have passed and you might need to rely on it in future.
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Mar 18, 2024 21:08
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God that's a shite predicament, do what the smarter than me people said and get the police & banks notified.
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Mar 18, 2024 21:09
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