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Please help going bankrupt
Hello everyone, I have been by before a while ago, but for some reason my user name wont work:o and I am so desperate to get this right. Right here I am with less than 48 hours to go for my BR hearing, its 9.30 on Tuesday, its taken me ages to save for my fee's and trace all my debts, but I am there now, I have all my…
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do the or find out everything you have bought on credit
when you have you interview, does the or look in to everything you bought on credit
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Anyone had trouble justifying keeping a car to OR?
Hi, I'm thinking that I will face many questions over me keeping my car (£2000) while going through BR for debts 5 times my annual income. I use the car for work. Does anyone have any advice? Thank you
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Surprised By BR Reported In Local Paper!
A friend has just 'phoned me to register her surprise at seeing my bankruptcy notice in the local paper last Wednesday! I was surprised too because, although I knew it would happen some time, I thought that the OR would at least have the decency to give me prior warning. Shouldn't I have been told about this in advance?
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just out of curiosity..
although i am not finanicially to my partner,no joint debt, bank acc ect. my debt stem from ex-husband in 1999 and i got a consolidation loan for this that went pear-shaped. does him being my partner and having a joint claim(as your not allowed a single claim if you have a partner) on child tax credits call us financially…
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Does the Data Protection Act not count???
My husband and I are considering bankruptcy. I saw the insolvency announcements in the local paper today and didn't realise they publish your full name, address and occupation :mad: What happened to the data protection act? Does it not count in this case? I think it is so out of order and leaves you open to identity fraud…
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at my wits end
hello anyone tuesday is the day iam at my wits end we have a large family and are mortgaged with our property we have a company which as been mentioned on this site called 1st credit/connaught collections whom have issued me with bancruptcy proceedings for a sum of 7k from a previous unsecured loan i have contacted the…
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I know a bloke....
this guy has gone BR, no problems there BUT, hes just got a paye (proper) job, taking home £300-£400 a week, he hasnt told the OR...... ive no axe to grind, but do OR's have any means to find out? he wont be happy to lose £200 a week to the OR. lol
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Considering bankruptcy - can anyone help?
Hi everyone, I'm new to the site and have already found a lot of interesting tips and hints so wondered if anybody can offer some advice. Sorry but it is a bit of an essay. My husband and I are considering bankruptcy as we feel we have now run out of options, here is the situation. Before I became pregnant in 2005 my…
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advice needed for friend going BR
Hi I am currently BR but this question isn't about me! It's for my brother's girlfriend. Basically the situation is this. Brother's GF is planning to go BR as soon as possible after advice from her solicitor, CCCS and CAB. Her income is income support, child tax credit and child benefit for her daughter who she lives with…
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I'm BR... but what about my one man Limited Company?
I filed for personal bankruptcy last month which went very smoothly :) However, I used to work as a Contractor in the IT Industry, and worked through my own one man Limited Company. This company was setup and run by my accountant, to whom my company used to pay a monthly fee. Now I have a problem and wondered if anyone…
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14 k of debt
has any one remorgaged and offered creditors 50 % of the balance thanks Paul.
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Help! With Joint Bank Now in OH Name
Some of you know I went BR back at the begining of OCT. At the time we had a joint account which was £2k overdrawn, I included this in my BR because it requested that info. I/we have heard nothing from the bank since my BR, that is until today. They have just sent my OH a final demand notice. The first line says "despite…
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inland revenue and BR
if i went BR do any outstanding dues to HMRC (IR) get included in the debts to be considered?
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Upgrading my mobile...
I can now upgrade my mobile phone but having a look on the Vodafone website it seems they could credit check me again even though I have had an ongoing contract with them for a good few years. Does anyone know whether this is right? I won't be paying any extra, I just want a free upgrade... now I'm worried they'll take my…
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Debt Doctor/Expert question re: income/possible new job?
Hi all! Doesn't time fly! Nearly 6 months in! Ok...question for the experts! I've been a good £400-£600 under my 'total outgoings' that I put on my BR forms for a good 5 months now. I'm commision based & it's been shocking for the last 1/2 year! Now..95% sure will be offered a new job to start in January-with a reasonable…
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question reguarding br
Iam going to be going bankrupt have my date for court on the 6 february. I have a mobile phone which i need for my health, will the or allow me to keep this. also i have the internet which i need for my studies at college, will the or allow me to keep this, i have a landline which i need for the broaband, i have sky can i…
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Joint Bank Account
OH went BC early November, we have a joint £3K overdrawn bank account, the OR informed OH at his interview that the account had been frozen, I wrote to them informing them that i am not in a position to clear the overdraft and sent the standard CCCS I&e form and asking them to freeze any interest etc. I have had a bank…
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I've got another one!!
I've just noticed I've got 3 stars. When did that happen? Does that mean I get a prize? :D
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how do i go bankrupt
im am now in a situation where i just can't make the payments anymore on my debts, iam in private rented and that is taking a lot of my money as i have to pay a lot towards it, what will happen with my house with it been private rented, what will happen to my bank account i am in my overdraft and it is big, also how do i…