a)How long would I have to live in the uk before coming back to Ireland?
b)Could I live in the UK and commute to Ireland for work, or just leave my job here and try to get something when I return? i.e. UK would have to be my primary residence
c) Presumably we would lose our house - even though it is under both names?
d) Again, my credit rating would be shot here, or do you, 'start afresh' when made bankrupt?
Hi, I may be able to answer these and a few other questions.
Ok first you would need to move to the UK even tho you may have lived/been born here before.
You would need to establish you centre of main interest here. and you also need to live in a courts jurisdiction for the greater part of the last 6 months, so in reality that is four months.
You need only live in the UK long enough for the Official Receiver to deal with your affairs. That changes from case to case. My cae studies here show people being in the UK for 10 months after the bankruptcy. There is no case law however. Once the OR has finished with you, if you got a job in Ireland, you could move back, just tell him:-}
UK needs to be your habitual residence. I always advise a live and work strategy. That way there is no investigation!
If you don't pay your mortgage you lose your house. If just H goes bankrupt lets say, his share vests in the OR. The W could ask to buy it back. Why you can't afford it anyway. My advice is that if you are both liable, if the house is in neg equity and you both move to the UK, go bankrupt as a couple. I do this all the time. Leave the house, it will be sold and the shortfall written off.
Your credit rating will be shot for 6 years. But then again you will be debt free. The financial market exists to lend money. A lender will emerge to lend to bankrupts who are debt free.
I hope I have helped
Steve
As for tongue-in-cheek, well that's the guy's personality and obviously, it is not meant to be taken seriously. Please lighten up.
I like the show. I agree that the dynamic is good between the two presenters. As for Yates; he's much better than that bombastic clown they have on in the evening!
If you're referring to my post- no, I won't. Derogatory remarks about women have no place in today's society and remarks like 'lighten up' are patronising, frankly.
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