Robert 'Crab Bait' White consents to losing his houses

[FAVA]

LOL

His retaining "bolts" are on the hinge side. They are not going to do much good there.

[noblepa]

LOL

His retaining "bolts" are on the hinge side. They are not going to do much good there.

Nor does the door itself appear to be anything other than a normal residential exterior door.

A reciprocating saw would slice through that in about two minutes.

A battering ram would destroy the lock mechanism in a lot less than that.

His door will hardly even slow the cops down. They will spend far more time standing outside, shouting at him to open the door, than they will in actually gaining forcible entry.

[aesmith]

He now has the IP after his house as well, he's received a letter giving notice of intent to raise possession proceedings on behalf of the Trustee.
https://www.facebook.com/groups/1957436 ... 902303285/

[notorial dissent]

Can the trustee get the NatWest possession order set aside, basically who has precedence here, the bank or the trustee? I am still surprised that the trustee didn't go after the house earlier.

[AndyPandy]

Can the trustee get the NatWest possession order set aside, basically who has precedence here, the bank or the trustee? I am still surprised that the trustee didn't go after the house earlier.

Could the Trustee go after the house whilst his wife was alive and co-owner?

I always thought paying the mortgage always came first but then again NatWest must have huge costs now that they’d want out of the equity, maybe that’s what the trustee is looking for the equity before NatWest get to apply their costs.

If the Trustee has seized all the 10 buy-to-lets I’m just surprised their sale hasn’t covered the bankruptcy costs, they must have been mortgaged to the hilt.

[AnOwlCalledSage]

Could the Trustee go after the house whilst his wife was alive and co-owner?

Yes, but the IP would have only got half the value.

I've wondered about this. The likely scenario is that his wife had 50% of the property at the start of his bankruptcy so it may have not been as much of an asset at that point, taking into account the bank has first dibs. However, owing to circumstances, he now has 100% so the amount of his equity after redemption and costs may be now worthwhile pursuing.

[notorial dissent]

Then, considering of whom we speak, there is always the question of whether there was actually any recoverable equity in the house, Our Dear Little Quail may well have owed more than they will get. He strikes me as an upside down king of guy. Otherwise, their costs may well eat any equity there was to begin with, a la Wrekha.

[aesmith]

Normal joint ownership for family houses in the UK is joint ownership of the whole property, as opposed to each person owning a specific share. I think, but stand to be corrected, that this means the whole property could be claimed to pay the debt of one of the joint owners. Like "jointly and severally" in contractual obligations.

By the way I love the way people are recommending he takes advice from Baron von Beard. Honestly sometimes that group makes Crab seem sensible.

[ArthurWankspittle]

This seems a reasonable explanation of the system: https://www.thisismoney.co.uk/money/new ... ommon.html
Which make me agree with the feathery one, now Crabby is sole owner, it might be worth the lender moving on repossession.

[longdog]

My reading of the letter is that they either don't know that the bank has already been granted possession or that they do know and are simply staking a claim on the equity. It could be either.

[notorial dissent]

My reading of the letter is that they either don't know that the bank has already been granted possession or that they do know and are simply staking a claim on the equity. It could be either.

Would seem reasonable.

[AnOwlCalledSage]

This response to Crabbie made me laugh out loud!

Albert Semicolon Matthews are you not discharged automatic from your bankruptcy after 1 yr unless opposed

Yes. Normally you are. However...

Is someone deliberately taunting him (come on, own up if you are!), or just not aware that that the IP moved to extend it indefinitely because of the idiot's continuing refusal to cooperate!

[notorial dissent]

This response to Crabbie made me laugh out loud!

Albert Semicolon Matthews are you not discharged automatic from your bankruptcy after 1 yr unless opposed

Yes. Normally you are. However...

Is someone deliberately taunting him (come on, own up if you are!), or just not aware that that the IP moved to extend it indefinitely because of the idiot's continuing refusal to cooperate!

Isn't it more like when the debtor estate is settled? In Crabby's case I suspect it is far from that point, and he still has a few assets left to pay the debt.

[ArthurWankspittle]

Not really. You get asked to co-operate and fill in a very long financial statement form IIRC. If you don't bother the IP will not spend any more time (=money) until you do co-operate. You remain bankrupt until you sort things out with the IP and the judiciary. If the IP thinks you are being a naughty boy they can go to court and get you to explain yourself to a judge. Not accepting the judge's "invitation" can land you with contempt of court which in turn can become a warrant for the contempt and the plod will then ensure you accept the judge's "invitation" to explain yourself.

[Hercule Parrot]

It would take a bit of battering but unlikely to last more than a minute or two at best. In the great scheme of things there's very little short of armour plate that can withstand an onslaught from a sledgehammer.

My first reaction was pity. Even with the time, friends and tools at Krabby's disposal, this is his best shot at a reinforced door? It's comically poor. Hasn't even considered the likelihood that they'll attach a chain and pull the door out.

More seriously, it also reveals a lacunae in Krabby's strategic vision. He's investing too much in the idea that the bailiffs and cops will enter by this particular door, rather than the 10-15 other door and window options. He's also picturing this as a prepared siege, with himself defending from the ramparts. This is very unlikely, we know from The Taking of Castle Crawford that the cops and bailiffs will prefer to arrive when he's outside the property.

We know you visit, Krabby, so please take this as sincere advice. It's not too late to reach terms and walk away with dignity to enjoy the rest of your life, there might even still be some funds remaining to help you make a new start. But if you're determined to end this in a Gotteramdung confrontation, consuming your own assets and probably your liberty too, then you need to reinforce all the other entry points too (and properly) but especially important to never leave the house again. I urge you not to follow this path though - what political or moral point is made by constructing your own jail?

[Gregg]

Do they use Pepper Spray/CS Gas/Nerve Agent/Tactical Nuclear Devices in the UK? Can they just toss a few tear gas grenades in the window and wait while he dismantles his absurdly fortified door with a snout full of it and comes out a crying, gagging mess pissing himself in a most noble fashion?

Cause I'll pay to see that show.

[Normal Wisdom]

Do they use Pepper Spray/CS Gas/Nerve Agent/Tactical Nuclear Devices in the UK? Can they just toss a few tear gas grenades in the window and wait while he dismantles his absurdly fortified door with a snout full of it and comes out a crying, gagging mess pissing himself in a most noble fashion?

Cause I'll pay to see that show.

So would I. Police do carry pepper spray (or something like it) but not routinely in grenade form and while I'm generally happy about that, I would make an exception in Crabbie's case.

Regrettably what's likely to happen is that if the police turn up at all, they will be under-prepared and under-equipped so that even Crabbie's half hearted attempt at securing the doors etc will defeat them or at least result in an embarrassingly long and incompetent assault before they manage to gain access.

[AnOwlCalledSage]

Regrettably what's likely to happen is that if the police turn up at all, they will be under-prepared and under-equipped so that even Crabbie's half hearted attempt at securing the doors etc will defeat them or at least result in an embarrassingly long and incompetent assault before they manage to gain access.

Whilst the police are obliged to assist and arrest those obstructing High Court enforcement, they are not the people responsible for physically conducting it (at least not in England and Wales). If the HCEOs engaged to evict come under-prepared and ill-equipped the police are perfectly entitled to conduct a dynamic risk assessment on the spot and ask them to come back better prepared.

[rosy]

Police can use percussive grenades but they generally use them when apprehending terrorists, not when assisting bailiffs to remove an idiot from a squat. When this lot were arrested, the bang from one raid was so loud that locals thought there had been an earthquake. https://www.bbc.co.uk/news/uk-england-s ... e-42410084

[Gregg]

I would think that a HCEO, it being the job, would in general be prepared to remove the middling level resisting squater with the tools they carry in the back of the van. If I were in charge, of course, we'd have at least a few units devoted to Crabby and his ilk, with the equipment required to remove a platoon of SAS from an underground bunker complex. I'm talking tear gas, bttering rams, full body armor, and of course Airborne Assault Dachshunds.