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BR and on benefits
Hi my husband and I have been told by citizan advice that our best option would be to go BR. My husband has severe crohns desiese and has now been told by his doc that he is not allowd to work anymore no mater what the job. I am a full time carer for him and our 3 children 1 of whom is special needs. We are on benefits…
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Tokern Pmts
Hi After Taking advice from Payplan we have offered our creditors token payments of a few £ each as we only have £28 a month spare money (debts total 29k, 8k in my name 21k in Husbands). has anyone ever had any experience with this. Are any likely to accept this, will they do CCJ's on me and if so how does that work? do I…
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Help for Nocash please.
Hi everyone I am a newbie, have been looking at the site after just finding out how seriously in debt myself and my husband are (about £50,000) He has been keeping it from me for a long time and couldnt avoid telling me any longer or I fear he would have suffered a breakdown. So I am now trying to sort this mess out. I…
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Bankruptcy, Business & OR visit today
Hello everyone! I went bankrupt 6th Dec 2007. I used to run my own online mail order parts business, and my OH does the same work (much better than me I might add :o ) and so he supplied me my parts and I kind of did the bits he didn't do, if you get me, so that we wern't in direct competition. I also sold a lot on eBay as…
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Ostrich - IVA
I have a IVA with Ostrich but since before Christmas there webiste has been down does anyone know? Thanks
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Yet another BR vs IVA question...
Hello everyone! Following all of the very helpful advice I received from the lovely people on here from my last question, I have yet another! I had a letter from Debtmatters (the company 'managing' my IVA), asking for the 1 year review information from me. They want my up-to-date SOA/ I&E, plus payslips and bank statements…
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MArtin on channel 5 now!!!
As it says in the title. Everyone turn it on.
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OR and Paypal
hi all can anyone tell me please, will the OR expect to look into my Paypal account which I was using at the end of last year to sell personal items on ebay to finance living expenses. It has no money in it now but there are obviously transfers appearing into my bank account when I withdrew the funds thanks :D
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Waiting on early discharge and new job-HELP?
Hi there,I went BK march 19 this year, in Oct I was told I was eligible for early discharge so I completed the forms and took them in.I have still not heard anything so contacted the OR and he said they are busy but it is all looking ok and hopefully I may get a letter before Xmas....My problem is I have I am currently…
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Problems after handing the keys back!!
I was sequestrated (Made Bankrupt) in May 07 after my Trust Deed failed. After failing to buy out the Beneficial Interest in my property due to valuation issues, my trustee took possession of my property with my consent. I handed the property keys to my Trustee 4 months ago and stopped paying my mortgage which was up to…
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Been advised to go bankrupt could you help?
Hi everyone, I am new here so please be gentle! I hope I have posted in the right place, but I am looking at bankruptcy and wondering if anyone can offer support or help and maybe answer a few questions. Here goes I got divorced 3 years ago long story, but ended up in a refuge for a while and I had huge debts, well about…
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Poss Bankruptcy Looming!
Hi All, Hope u can offer some advice to someone very confused as to where to start at the mo. I am 37 yrs old with approximately £40k worth of unsecured debt, of which I am not in any payment arrangments with. Approximately a year ago my house was also reposessed. In October last year my Mother was diagnosed with Cancer,…
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Bankrupt at 9.55am today
Yay, i did it. Thanks for all your support guys! What a mixture of feelings! Such a relief but also a bit worried for the future. I didn't even have to see the judge and i spoke to the OR on the phone and they will talk to me further in a couple of weeks.
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Tax Payments Whilst Bankrupt?
Hi, If someone is self employed as a sole trader and they went bankrupt in March 2007. Would they still have to pay tax for the year ending April 2007 via self assessment? Thanks
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Bankrupt Dec 07 Need Advice.
Hi everyone. Posted this orginally in the wrong forum, sorry for duplicate. We became bankrupt in Dec 07 with debts of £27'000. We are currently recieving Incapacity benefit due to my wifes ill mental health. She has been to see the DSS doctor and been 'signed off' for 12 months. We are council tenants with no assests or…
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Bankrupt today, my experience
I was declared just after 10.00am this morning. It does feel weird, certainly not the big relief I had hoped it would be but that is probably because I won't know what will happen to my business until I've had my OR interview. That is what is really keeping me awake at night. Once I had dropped my son at my parents I had…
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How do you know you have been discharged?
Hi I was made personally BR in May 2007 and since this have only had one communication with the OR I was told if all went well, i should be ok for early discharge with 6-8 month, obviously that time has now passed and i have still not had anything to confirm whether this is the case or not. Is this something i should…
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Whats the difference between IVA and bankruptcy
:confused: hi does anyone have advice on IVA or bankruptcy and what is better , i am thinking about doing one or the other i have read on the cab web site but i would like people personal experience to help me decide .thanks
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A Technical Question
Good evening to you all, I have to confess to having been an avid reader of this site specifically, and others generally, for quite some time, and gathered an awful lot of very useful information without having to register and ask any specific questions. That makes me guilty of taking and not giving and I have no defence…
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Bankruptcy in EU
I had thought (in fact I think I've posted this on here) that if living abroad you could return to the UK to petition for bankruptcy with 3 years of moving . However, I've just read on another site that if you're living in another EU country you can only petition in the UK within 6 months of your move abroad! Later than…