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Going bankrupt tomorrow
Wish me luck guys! Any last minute tips?
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Another Soa Question
Trying hard to complete forms and get to court on wednesday this week to finally get rid of the millstone around my neck. My expenditure ,and this has shocked me, allowing for all the things people on here said to put down is more than £200 quid a month more than i have coming in!!!! No wonder im in the s*** !!! Will the…
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Questions OR might ask
Will the OR look through my credit card statements, the debt is for 4 years ago, and i can't remember buying anything in particular on them they just accrued in daily living and bills. Also will the OR take my car tomorrow, or is there lea way cheers
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What letters do I send OR
I have recieved my pack from the OR office, (my telephone interview is next Monday), but I am unsure of what paperwork to send. The letter asks for original loan or finance agreements I hold, I dont have any but do I need to send any of the letters I have from debt collectors to prove the debt so to speak. Also should I…
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Pre-pay Credit Card's before BR?
I've got my BR hearing on the 14th of Jan... I'm just wondering as the pre-pay cc's don't require credit check, could I get one now, keep it empty, tell the OR about it and use it? or will it be frozen? TheEd.
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What IPA will i have to pay?
Hi all... I've been reading a few posts about IPA's and how BR's need to pay them for 3 years from declaring BR. I thought the point of becoming BR was to clear debts and have a fresh start? Isnt this similar to an IVA?! it seems strange to me to have to keep paying creditors once you're BR? also....does your tax code get…
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BR and living with parents
Hi guys 1st post and can i jusy say this forum is an absoutle live saver couple of queries though Ive got an appoinment with court to declare myself BR on 24.01.07 everything seems quite straight forward however ive been scared a bit by some things ive read about IPA unfortnatly im back living with my parensts after a…
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Sale of assets?
Hi, I have my BR hearing in 7 days, and I'm looking forward to starting my debt free life again, and feeling positive about the concept of sticking to a budget with a clear I&E drawn up... As a few of you will know I'm freelance self-employed, and I have several pieces of equipment that I bought on HP (Clydesdale Finance…
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Newbie to BR, any help appreciated
Hi, I am new to money saving expert site and BR, been reading this forum for a few weeks while we were deciding on best option, it has been really useful and everyone is helpful wih good advice and reassuring to know other people are going through the same thing. It has been a hard time for past 4 or so years with…
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Bankruptcy - anyone who's been through it
Hi all, Am seriously considering bankruptcy and wondered if anyone who's been though bankruptcy could give answers to the following please. 1. Presumably the first step is the complete forms - where do you get them from and how much does it cost? 2. How long does the procedure take from submitting forms to a court hearing?…
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Getting even lighter at the end of the tunnel
Dear All, Its been a while since I have been on here but thought I would give a quick update. Bankruptcy finshed July last year and tried for a mortgage but to no surprise was turned down so still renting my sisters house with the boyfriend. We shall try again later this year cos we would like to try and buy a house before…
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OR interview Tuesday....help!
I have my interview with OR Tuesday, I am a wreck at the moment. I am disabled and my only income is Income Support and disability benefit. I have a very bad memory and have got quite frightened as I was looking over my bank statements and have no idea what a lot of the money went on. There was the odd large sum going out…
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Almost out of strength...answers and help pls
Hi there everyone...ive been a browser for a while and finally got the strength to ask for some help. I thought i was an average guy, 24, young free and single, good job and have a lot of great friends and have a healthy social life....basically a normal english bloke. But in debt. wow that feels really weird saying that.…
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How much is the OR Fee?
As the title suggests really. I've heard conflicting information. Thanks
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Do I go bankrupt?
Ok basically I am so confused and can't find any useful help anywhere til now. I took out a Career Development Loan a couple of years ago for £8,000 to do a computer course in London. I was given all the talk and against my wishes, was encouraged and talked into it by their sales team and my own family. Anyway, once the…
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Help with OR fees
hi, I'm a newbie to the site and have been reading all the helpful info and very grateful for all I have learned in the past couple of days from you all :T I need to make myself bankrupt after failing to meet the IVA payments last year and creditors wont do it as I have no assets but I don't have the OR fees. I'm…
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I need a little moan
Hi, Just wanted to let off a little steam :mad: on the site that makes me feel welcome & safe. Last night I posted on the mortgage forum, asking what I felt to be a reasonable question, hoping to get some sound advice, the kind people give & receive here. I did get one, whom I have thanked, but the other 2 were very…
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a guide for amounts to claim as living expenses
hi, I thought this might be useful It's a guide to household expenses that the Inland Revenue use to assist people needing time to pay and is based on info from the National Statistics office. It's what I am using to complete my forms so hope it helps http://www.hmrc.gov.uk/manuals/dmbmanual/DMBM800120.htm Lesley
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Where does this leave me?
My main creditor has today accepted a 50% full and final settlement, leaving me two creditors who are insisting on 80% which my third party can't run to , do i pay the main creditor and continue paying my token payment of £1 a month until they review or should i try and raise the extra money myself by selling things. Not…
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Going bankrupt but unable to be in court due to living overseas...
Hello guys, Hopefully somebody on here might know the answer to this. I have recently had contact with the CCCS regarding the current money problems that I have. I have been advised to go for individual bankruptcy but before doing so have been advised to get further information on the following: I am a 34 years old,…