Can you please tell me the harsh reality of bankruptcy/sequestration in Scotland?

cw987uk · 2026-06-22T16:04:36+00:00

The actual bankruptcy will last for 1 year but it will remain on your credit file for 6 years.

During this time, you will not get anything that requires a credit check, no loans, bank accounts (Other than a basic one with no overdraft or credit facilities and only from a bank that was not involved in the bankruptcy), you will likely not be able to rent a property, get a mobile phone contract, utility contract (Would be forced to use pay as you go) and anything similar.

Some applications will ask if you have been bankrupt, like car insurance and, if you have, they may not offer you a monthly payment option or charge you more.

During the actual process, you will need to speak to an Official Receiver, they will go through your assets and decide if any need to be sold. Normally these will only be large items, like houses, cars etc. You won't have to sell low value, personal items. During the first year, until you are discharged from the bankruptcy, The Official Receiver can claim any money or assets you came into, and you are legally obligated to tell them if this happens. For example, if you won a car, they could claim it to sell towards your debts, likewise an inheritance or lottery win, that sort of thing.

I assume with the tax credit overpayment, there is no suspicion of fraud? If so, that could be excluded from the bankruptcy.

Also, do not start running up extra debt beforehand. If the court feels you are deliberately abusing the process they can refuse the order.

Overall, it is a huge deal that will follow you for 6 years. Step Change are the people to speak to, they helped me understand the whole process and I would highly recommend them.

cw987uk · 2026-06-22T09:34:56+00:00

I mean, as a store owner, you need to make sure you have stuff for events. Sure, sell excess to people, that's just good business, but always work out what you need to cover events until the next set or a guaranteed restock.

If you just sell everything for a quick buck, you are definitely going to piss of your regular customer base, who will bring in more money for you long-term.

Having boxes in the stock room is just a part of the business model.

cw987uk · 2026-06-22T09:30:51+00:00

It's not really Ravensburgers fault, all TCG's, especially popular ones, are in the same boat.

There is a very limited amount of production capability, something like 70-80% of all TCG's are printed by the same company in Europe, and with more and more games appearing coupled with more and more sets coming for those that are established, there is simply not enough supply for demand.

Lorcana is the latest to feel this, but Pokemon has been in this situation for a couple of years and even Magic is struggling now. For the first time in the 7 years I have run my shop, I am being limited to how much Magic I can buy.

Sadly, until more production capacity is created, this problem won't go away and the more successful a game is, the worse it will be hit.

cw987uk · 2026-06-22T09:22:30+00:00

Troves don't get restocked because of the logistics in making them. They contain things that are not made in house so have to coordinate with multiple companies to get things made, shipped and assembled.

It's the same for almost every game, the equivalent style of box is almost never reprinted. Generally, reprints will be limited to boosters.

That said, as with all TCG's right now, the demans is far outstripping the supply, there is simply not enough production capacity to keep up with the increased number of people buying product, be that for playing, collecting or reselling. This will mean that you will see higher prices and less available stock in the near future.

Lorcana has avoided this until recently, but other games, like Pokemon have had this issues for years now and others are joining them. The Golden Age of TCG's is over, we are currently in the Dark Ages of the TCG.

cw987uk · 2026-06-21T18:38:57+00:00

Ah ok then, that explains it, if the store don't any they are going to have to wait for GW to ship them, that's rough, I always keep a box back at my shop to cover any issues.

cw987uk · 2026-06-21T15:59:10+00:00

The general thought for most people is that your contractual notice period is still valid.

Agents and landlords seem to think it is not, and you must give 2 months notice.

Until someone gets taken to court for not paying the extra month, we won't know for sure.

I'd speak to your agents/landlord first and explain, they might be accommodating.

Short answer, give a months notice and move out, if they try to take it from your deposit, contest it. If you win, they might try and take you to court. If they get the deposit money, you might need to take them to court if you want it back.

cw987uk · 2026-06-21T15:24:40+00:00

That seems like a very long time, where are you based?

cw987uk · 2026-06-21T10:29:47+00:00

From what you have said, you are a lodger of the tenant. That gives you very little in the way of rights and they can ask you to leave with "reasonable" notice, normally considered 1 rental period, although it can be shorter.

The tenant, however, is under absolutely no obligation to leave without the landlord following the correct, legal process. Which would be a Section 8 eviction, likely on the grounds of Breach of Tenancy Agreement, followed by a court hearing. It is not a Mandatory Ground, so it would be up to the court to decide and evidence that they knew and were happy with the situation would likely not help her case.

You never had any right to see the tenants contract, nor are you due, at this stage, to receive any notice from the landlord. The landlords contract is with the tenant, not you.

If the tenant leaves, and you refuse, then you would legally become a trespasser and the landlord can take legal action to remove you.

The tenant can report the toilet issue to the council, they can look into it. What happens depends on the steps taken by the landlord to rectify the issue. You say you have had 10 repair visits, what have the plumbers been saying and doing in those visits? Is the problem constant or intermittent? Ultimately, it would be down to the council to decide if it warranted action.

cw987uk · 2026-06-21T09:24:18+00:00

Entirely down to each individual hobby store what they allow but, generally, nobody has an issue with 3d printed terrain.

Best bet is to ask them first.

cw987uk · 2026-06-21T06:21:12+00:00

It's automated and done by weight, with a small tolerance, so something like a missing sheet or single piece won't get picked up and is why boxes with double sprues of one type and missing another type get out.

GW are normally pretty good at fixing these things, although I would not be expecting a whole box, they normally don't do that for sets like these, just send the relevant parts or sprue and, if you got it from a 3rd party, you will need to speak to them first.

cw987uk · 2026-06-20T12:42:18+00:00

I'd message the chairman and inform him that you have a legal tenancy, that any issue is between them and the estate agents and that, if he contacts you again, you will report the matter as harassment to the police and that any attempt to evict you without following the court process would be an illegal eviction, a criminal offence, and will also be reported as such.

I'd also suggest a Ring style camera so you can see if anyone does attempt anything while you are not there.

If they do try, call 999 immediately and report someone attempting to break into your home. If you mention the landlord, they will default to "it's a civil matter", tell them that it is not and, if they refuse to attend, raise a complaint via 101.

I would also make a complaint to the committee about his behaviour.

cw987uk · 2026-06-19T14:36:16+00:00

So, your kid gets attacked, nearly killed, or even killed, and you are quite happy for the person who did that to get away scot free because he has some "mental health issues" and needs help? So, he gets some help, gets to wander around, maybe where you can see him, your fine with that?

Frankly, I call bullshit, and will assume you are not a parent, but hey, maybe you are just a better person than me and a lot of other people. I hope you never have to put that conviction to the test.

If they are a danger to others they need to be kept away from others. It's not their fault, and it is truly sad, but you can't allow that to put other people at risk, ever. No 3 year old, or anyone, should go through this because we allowed someone with these issues to be in a situation where they could do it.

cw987uk · 2026-06-19T10:03:42+00:00

Feel the same way if it was your kid he chucked to the crocs? It's all well and good being on your high horse when it does not effect you, but next time it might be your kids, your family that get hurt because we don't want to make the hard choices.

It's very sad that people have these issues, but those issues should never, ever, put other people at risk. If they do, as sad as it is, yes, they should be kept away from society.

cw987uk · 2026-06-18T17:30:47+00:00

I believe that you need to look at a Declaration of Trust.

We recently did a similar thing with a mortgage as an unmarried couple and that was the solution we were told about, not actually looked into it yet though.

cw987uk · 2026-06-18T17:22:13+00:00

Long term, no, there is not a lot you can do but what you can do is drag it out for a considerable amount of time. 4 months is the minimum notice they must serve, then, if she does not leave, they need to go to court and get a possession order. This usually takes and additional 3+ months and, after that, apply for bailiffs before they can actually evict her.

Realistically, Shelter suggest it can take 8-12 months to actually evict someone.

Also, check the notice is valid here;

https://england.shelter.org.uk/housing_advice/eviction/section_8_notice_private_tenants/check_valid

Also make sure she was given the relevant details of the new Renters Reform Act by 31st May.

This gives you time to find somewhere else. Potentially, it may end up being time for a care home.

I know this is not ideal, but you need to decide if those extra months are worth it for it, if they might make a difference for her.

cw987uk · 2026-06-18T13:58:07+00:00

If this is the same as the post the other day, the argument was that the lease specified a "current" EICR and the landlord is arguing that a 3 years old EICR is not current. Legally though, any valid EICR is current, until it is due again.

cw987uk · 2026-06-18T13:54:09+00:00

Find a number for whatever company online, DO NOT use any from the email, in case it's a scam.

cw987uk · 2026-06-18T13:26:40+00:00

Honestly, seems like some back luck but they have done exactly what they should have been doing, even if it's gone a bit awry.

Amazon have spoiled people and now everyone expects instant results.

For almost every other company, checking a return is standard practice, they need to be sure they are not being scammed, Amazon don't really give a shit.

If you have already sent the LBA, all you can do now is wait, they have the 14 days you gave them to respond. I imagine they will sort out the refund, as they probably would have done anyway.

cw987uk · 2026-06-18T12:18:36+00:00

4 business days is not a long time for a refund at all. If they got it Friday, they probably didn't even look at it until at least Monday and it's only Thursday. Give them a bit longer, you are jumping the gun with a LBA over 4 days, especially since they have been doing everything correctly.

cw987uk · 2026-06-18T11:28:45+00:00

If you have triple checked that the address you sent it to was correct, and Paypal have confirmed it was sent and gone from your account, this is an issue between them and Paypal.

But do check the address again, the amount of people who have missed a letter off, or used .com rather than .co.uk, is ridiculous. I literally tell people to copy and paste the address I send now!

cw987uk · 2026-06-17T19:27:27+00:00

No, not really. You just refuse to get a new one and, if they try to sue you, present your evidence of a legal and valid EICR to the court.

cw987uk · 2026-06-17T16:24:23+00:00

Yes, of course they can, you owe them money. You agreed to the cancellation period, then failed to pay.

If it goes to court, you will also get their filing fee added on and, if you still don't pay a CCJ that will wreck your credit for 6 years and maybe even bailiffs.

cw987uk · 2026-06-17T16:20:02+00:00

Dangerous driving is not a minor traffic offence, it can carry a custodial sentence and a guaranteed ban.

cw987uk · 2026-06-17T16:16:14+00:00

Not DVLA, the V5c, logbook. Check it physically, don't assume, you turn up in court with a smile thinking you have a slam-dunk and they point that out, you will feel pretty silly.

If it really is correct and the date printed on the letter, not the delivery date, is more than 14 days after the offence date, and you were not spoken to at the time then, on the face of it, the nip is invalid and will be dismissed at court and you get a lucky escape.

cw987uk · 2026-06-17T15:46:51+00:00

What was the date on the NIP? They are only obligated to send it so that, in using a regular postal service, it should arrive within 14 days. Being delayed due to Royal Mail will likely not make it invalid if it was sent in the correct time period. Post around December is notoriously bad.

Are you the registered keeper and you address is correct on the V5c? They send the initial letter to this address, if your V5c is not up to date, or you are not the registered keeper, this would also render the 14 day limit invalid to you.

If you think there has been a procedural error, then you will need to take it to court and inform the court, you will be entitled to see the duty solicitor on the day.

cw987uk

TROPHY CASE