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CCCS Just Advised me to go bankrupt
I hope you can help me, I am still reeling from my phone call with CCCS and would like a little help: Having gone through my debts with me and a planned budget, even paring back to the minimum allowed, CCCS have advised me to go bankrupt. All of the debts are in my name, my OH doesn't know the full extent of the debt and…
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Council tax and bankruptcy
Am i right in saying that council tax is NOT included in bankruptcy, ie you still have to pay any outstanding? just wanted to make sure, many thanks
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Saving Accounts
A happy (but wet) Monday to you all. Just wondering...I want to open a savings account (my first ever!!)...Will i encounter any problems in this, being a Bankrupt? Are we considiered trustworthy enough to have this type of account!? Or will there still be some Banks that will have a problem? :)
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re-claiming bank charges
hi all. I've recently been discharged and have been looking at posts regarding re-claiming my bank charges. They charged me approx £2500 and when i went Br i owed them £300 therefore if possible theres approx £2200 owing. I've seen a few posts but wonder if any1 has gone through with it and had any success/failures or got…
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Car Question
Mulling things over, as you do - my car insurance renewal is due in June. Which clearly I don't want to have to pay, since I've stopped paying for the car! If I ring the finance company and tell them I can't / won't be making any more payments will they relieve me of the car straight away, or will they drag it out for…
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car insurance
this was refused for monthly payments but they reinsured in two lots, bit of a poo all that money but i won't have to worry about it for the next year. at least it's insured. check your policies when renewal is up!
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How do you find the words?
How do you tell people in your life about going bankrupt? I've told my sister today, and she was great, very supportive and reassuring. But I entirely failed to tell my brother, who gets married in 2 weeks and for whom I won't be able to buy a decent wedding present. And I've had a my friend on the phone a couple of times…
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New Bank Account Mine or the OR's??
HI if i open up a new bank account AFTER i am delclared bankrupt, do I have to declare it to the OR? and do i have to supply monthly statements etc every month?? thanks
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Bailiffs and their rights??
HI can anyone tell me what to do if a bailiff comes a knocking?? I am in the process of saving up to declare myself bankrupt but am a little worried about what my creditors are going to do. They are threatening sending someone around, which they havent done yet. is this a bailiff? or do they need to take me to court first…
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I could cry!!!
I went bankrupt as you guys know on 4th April and after having a chat with the OR was informed i would not have to pay anything to creditors. Hurrah!!! I was told I could not have a landline which I had already anticipated and before going bankrupt and straight after my last payment to talk talk I asked them to issue me…
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How does bankruptcy affect your day to day living?
I was just wondering on a Day to Day basis, how does bankruptcy affect your life? Apart from the 'stigma'...............who will know if you don't tell them? No credit card...................would we ever want one again anyway?! Without meaning to pry, just wondering how often the issue comes up on a day to day basis.
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Becoming Bankrupt?
Hello, i'm new to this board, and have a few qustions abt Bankruptcy! Sorry, im a bit dim on this subject!! Anyway, i'd like to know, if i declare myself bankrupt, what happens to my excisting bank account/debit/credit cards? Can you be employed, and become bankrupt? And how long does restrictions against you last, on…
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Decision made - BR it is!
Hi there, After talking to even more people, cccs, national debtline and insolvency service we have decided that BR is only option. We've had two people looking into IVA and payments would be £600pm - we just cannot afford that. Strangely I feel amazingly better now that we have accepted what we are doing. I'm really…
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Bankrupt ex - Help please!
Hi My ex was made bankrupt last october. He's told me a few things, that dont seem to add up. If there is anyone who could clarify, this would help, thanks. First of all, Im getting £140 pcm maintence from him. The CSA say it should be double this based on his salary (but they are yet to do anything!) He says that he…
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Discharged-loans still on file as owed BUT NO BR??!!
Hi everyone this is my first post. I was BR in 2003 with 25K. Was dischargedged 2005. Decided to get my records. Got the first one today from Call Credit and it has an old Egg loan saying balance: 8k and Littlewoods for £200. It is as if they are still "live" and I still owe the money. I am freaking out now! Does this mean…
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EASYKARD-anyone had any dealings with them?
Hi, I have just applied for an Easykard, but am a little concerned.I received a letter from them telling what they required in the way of ID, but also asked me to pay the fee payment of £19.95 (which includes your first minimum initial load of £10) by way of a credit slip attached to the letter.But on the credit slip there…
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Help ,at Witts End
Hi All at my witts end, Basically i have run up 32000 worth of debt, my partner doesnt know and if she did i would lose everything, including my daughter. Is there any way of dealing with this without other people finding out? HELP
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help me with making mind up & BR
I have to go BR-40+K of debt left from divorce mess and can't pay I wouked out I would nearly 60?? Scary. Anyway I have my BR date July15th but now have to make some reall choices as to what to do with rest of life lol! These are the choices. 1. Stay in the house and hope OR doesn't take as neg equity. Prob I am pregnant…
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uncertain what i should do
help!!! i'm in a real mess....£80k debts!!:o no longer in a position to keep up my payments to my creditors, i have thought about declaring myself bankrupt or just waiting for one of my creditors(biggest one £40k) to bankrupt me. What's stopping me declaring myself bankrupt is losing my car, although its on hp,my loan…
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does anyone think Abbey will let me keep my account?
Have almost decided to go bankrupt after having been advised by cccs that it would be the best option as I have no assets and 35k worth of unsecured debt (phew!). My question is; My only debt to Abbey is a 900 quid overdraft. I'm in the process of claiming back just over 1000 pounds in bank charges from them. Evidence…
