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A little message
Hi guys Just to say that I really admire you all for the love and support that you offer each other. Please keep up the good work. Having seen some of the almost instantaneous support offered to new people who are really really struggling to see how to keep going, the idea of the site being down worries me. Contrary to…
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Not BR yet! but have Q re. Car Repo
Hi Folks, this is my first post on here having been a forum sifter for over a year now!! I am as with most neck deep in debt and have been thinking about BR for a long time now, at one point I even went to the solicitor and forms to be told a week or so later they had been declined as none of my creditors had actually…
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husband's pension
As you all know I went bankrupt in April and a couple of weeks ago my husband's old company wrote to him to offer him is pension early. (He had had to retire through ill health in May 2001). This meant he would have a lump sum of £35k and a pension of £5.5k. Do I have to declare this to the Official Receiver as its his…
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Selling your house & renting it back question
You know those companies who buy you house from you and allow you to rent it back from them? Do they do a credit search? Do you have an automatic right to stay after it's been sold if you are a tenant in the property already?
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Help needed please re repo of car.
Hi all went BR last thursday(24/5/07) and spoke with OR on the phone and arranged an appointment for tommorrow(friday 1/6/07).I asked re my car which is on finance about it being repo'ed and she stated it would be the case which is fine, she further stated that I should contact them and arrange it and any probs get them to…
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Last minute jitters - please help!
Well, as the title says, I'm getting the fear and starting to wonder if I'm mental for going BR. I'm due in court on Tues. I've just worked out exactly what I owe and it's £15k, plus student loan of £6k (which I know won't be written off) so I'm only going BR for £15k... I'm fairly sure I'm doing the right thing, but it…
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Nationwide.... They said Yes!!
Hi Everyone, I was declared BR yesterday. Went to the Nationwide this morning and was able to open an account straight away. Is a basic account for wages and Direct Debits. The manager even asked if i wanted an overdraft!! but i declined:D . Sweedart1 x
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A little message
First of all I don't mean to be offensive, I only post my viewpoint and respond to individual threads on their merits. If people post negative comments directed against me as a person I ignor them. I don't agree with bankruptsy in most cases as there are ways around it even if it takes decades to clear the debt. I…
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bank accounts...again
cutting a long story to a minimum. Went bankrupt, had no accounts to close. Tried to open co-op cashminder and declined. Tried natwest basic account and declined. Anybody have any ideas??? it seems nobody will have me. thanks
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Rental Nightmare....
Well, we have not yet lost the house to the repo company. But - the useless letting agents are now asking for bank refs and credit checks. We have a healthy balance in there - whilst we wait to see the outcome, before we pay some massive bills, we also have the means in there to pay 3 months up front. I suppose its…
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How Would You Know?
If someone had made you bankrupt? I keep getting threatening letters from a company who say that if I don't pay the outstanding amount, then I face being made bankrupt by them? But if they did do this, how would I know? Sorry, if this is a stupid question. Sal x
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A new Bank Account!!
Hi Everyone, Have to go and find a new bank account today. Declared BR yesterday. Do i tell them about BR or not!! Just a bit confused:confused: Thanks All Sweedart1 x
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A Big thankyou!
I went bankrupt yesterday and i just wanted to say a big thankyou to everyone here on this forum. You have answered all my questions and have relly helped me through this. The actual day was really easy- handed in my forms, returned later but didnt even need to see the judge. Not at all what i expected. Just waiting now…
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Bankruptcy Questions Please Help
hi everyone i have a few questions reguarding myself going down the bankruptcy route so i hope u can help! OK first here is a breakdown of my incomings (weekly amounts) carers allowance £48 child benefit £30 tax credits £139 child maintenance £72 I have been told by someone else on here that my child benefit and carers…
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<<whispers>> Would anyone mind having a look at my SOA??
Evening all. Have decided D-Day is this Friday and have gone into meltdown on realising the site is going to be closed for maintenance tomorrow night so... thought I'd better get in quick! If anyone has the opportunity to give me any thoughts on the follwoing, I would be very grateful. Think I am going to get hammered.…
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Should I go bankrupt?
Hiya guys, I have had some really deflating news today from 2 of my creditors who I am in a debt repayment plan with. They have refused to update my credit file with my "reducing debt" until the amounts are completely cleared off, and then it will be 6 years from then that the defaults are removed from my file so they say,…
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A Big Thank You!!!
Hi Everyone, I just wanted to say thank you to everyone for the support shown in this forum. I dont think i would of coped without being able to log in for some reassurance whenever needed. So here's the big thank you THANK YOU Sweedart1
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Im Back, Its done and im still alive!!!
Hi Everyone, What a long day!! After many sleepless nights, i was declared bankrupt today!!:j On entering the high court (9am) i thought i had walked into hogwarts, its so big and very grand, i expected harry potter to pop out at any minute. The staff there were really friendly and understanding. I had someone from the…
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bankrupt and property quick question
hi if you have a home which is just mortaged on a 125% mortage and you go bankrupct came you still keep your home or do you lose it under the bankructy thanks
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My job?!
Hi All, I'm starting a new job on monday, its as a PA to a director in a Finanical Advisors firm, that won't count as one of the types of jobs I can't do will it? Due to the sector it is? Also do I have to tell them? I'd rather they didnt know to be honest as I don't think it's any of there business!
