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It's definite now.
Phew, what a day. First the CCCS guy this morning, he was very nice and helpful and reassuring, and without actually telling me to go bankrupt, he was steering me that way, I felt. I was very shakey and emotional this morning - lots of leaking eyes! The CAB lady this afternoon confirmed my only option is bankruptcy.…
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New High Court Ruling
From the TimesOnline today… Thousands of divorcees risk seeing their assets plundered to meet their former spouses’ debts after a landmark ruling that they are no longer protected from his or her creditors when they split. A High Court ruling released yesterday has closed the loophole protection that spouses enjoy over…
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Struggling borrowers targeted
Thought folk might find this article from the thisismoney.co.uk website interesting. Struggling borrowers targeted Liz Phillips, Daily Mail 11 May 2007 Debt management firms are aggressively targeting borrowers struggling under a mountain of debt by paying large commissions to lenders to pass on their details. They are…
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Good News Friday
Hello All 7 days ago i came on to this forum asking advice for a friend about BR. Since then i have had replies which have been very constructive and with the speed of lightning. Even down to the obvious questions that all seem clear now i might have asked but fair play to you all, an aswer to every request. Well 7 days on…
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Debts included in an IVA
Sorry if this is not the correct board to post this on but i have a meeting with Payplan tomorrow and I have a little query. One of my options might be to discuss an IVA but i was wondering if i my student loan details will be taken account into this? Thanks for your help.
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Changing Car During BR
Hi All, I have a old car, 2.0 Litre Auto, which i was allowed to keep. Its getting on a bit and is a little thirsty (approx 25mpg) and i have a 60 mile round commute each day. Is it acceptable for me to sell this car and spend the same amouont on a smaller diesel car, thus helping economy? Would i need to inform OR if i…
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Basic Bank Account with Debit Card
Hi All, I know that this thread has been done a million times before but was with most things in this world things change and the banking world is no differant. Who is the best people to get a basic bank account from which includes a debit card (i am not interested in cheque book or over draft) ? Prior to BR i did have a…
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Wahoo more good news
Following on from GIS...the postman (not the same one :rotfl: ) brought me a letter today from the OR telling me I could keep my car :j And I've been doing handbrake turns in the drive to celebrate :T :j :T :j Thanks to everyone who offered their advice in this particular battle...it paid off big time. :T Dither
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Do they ever say 'no, you can't go bankrupt'?
Just wondering. Somehow, I'm scared they will say 'no, you have to carry on struggling and living on economy beans'.
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Br Forms Help
Do you need 2 copies of all forms Or jus 2 copies of SOA form. Thanks
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Wahoo good news
Well guys and gals , got home from work and the postman just bought me the best news ever !!!!!! My early dishcharge :j :j (does dance round kitchen):D exactly 6 months to the day near enough after i was declared bankrupt Tight jock does that mean iv won :rotfl:
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Post Bankruptcy Visa Electron Cards!
So I have my lovely Visa Electron card. I posted a while back asking where/when it was not accepted. I have now had my card refused twice online:rolleyes: Vertbaudet (had some wicked codes to use:mad: ) Purpleparking (cheap airport parking-beat others by £10 on 5 day parking:mad: ) So that is quite annoying.
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Natwest grrrr
I went BR last week after having opened a basic account with Natwest. I spoke to several operators at Natwest who all said that somebody would talk to me before taking any action on my account. This was back up by the branch manager who also said that he didn't deal with bankruptcies but just sent the letters on to head…
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BR and court
Hi, Do you have to use the local court as earliest date I have is July 15th?
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dmp or bankruptcy
hi all, my husband is considering either a dmp or bankruptcy. we have looked at the paper work for payplan & it all looks ok apart from the fact that it will take years to pay off his debts. we have also looked at bankruptcy which is a different story as there are loads of things to take into account. does anyone know the…
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Help!! Joint accounts..
As title? maybe not, it's a little more complicated than that!! :( I have two bank accounts, one is in the names of my wife and I. No problem there as we have both just declared.. The problem is the other account. It is in the name of my ex, who left 4 years ago, and it is overdrawn.... Before she left, we went into the…
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Worse than I thought!
I've pretty much got all my figures in for what owe now - been doing some evasive answers when asked if I'm planning on settling the account! Anyway, I had guesstimated around £40k of debt, and in fact it's nearer 50K. How does that even happen!! I'm ploughing slowly and painfully through a mountain of unopened mail. Why…
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BCSC Member number update
Just going through the membership numbers as there have been a few recently - If there is anything wrong, any one wants a number or Ive missed anything could you guys have a peep over this... Cheers! * Me 1 * Richard s 2 * etlan 3 * Anniestar 4 * earwig 5 * minniespender 6 * Rog2 7 * bluezone 8 * Biffa 9 * Goldielocks 10 *…
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Made bankrupt today at 11.38!
Filled in the forms online on Monday, went to the court today - it was all so fast, I can't believe it. At court today there were another 7 people, we all went to see the judge at the same time and after about 3 minutes it was done. Thanks to everyone for your help! I think without this extremly valuable forum we wouldn't…
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money to live on etc...
What is considered enough to live on each month? If I'm currently on a DMP will they look at that as being able to pay back my debt even if I have to ask my parents for money each month etc I make £17,500 a year & have a debt of around £16,100. With my DMP I have around £200 a month to live on which is hardly anything &…
