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Wife's bankruptcy and MY benefits
hey all, firstly how big has this part of the forum got since March!?? My wife has 30k worth of debts and CAB recommended bankruptcy. I've completed the forms online just about and have come to the part about income. My question goes like this: My wifes debts are nowt to do with me, they're all in her maiden name. She is a…
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Early discharge - never knew that!
Just rambling but the OR told me today that as long as your affairs are in order and your paperwork is sorted (the paperwork they have to fill out that is), that's what makes you eligible for early discharge. Unfortunately, he said that his office is dealing with a backlog of cases so it might not be the case for me and to…
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Why is dealing with the OR so scary
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New here, questions...
Hello, I am really pleased to have found this board. I probably have a gazillion questions so I apologise in advance :) I am in an odd situation, I guess. There's probably a lot I need to tell before I can get answers. I have unsecured personal debts in the UK which I have no way of paying back. I first had problems in…
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CCJ and BR
I am going bankrupt JUly 15th...now I'm being threatened with defaults on some credit accounts...will they have time before July to raise CCJ's? Any help grateful of
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****urgent Question ****
Have an appointment on friday at the courts to start the BR rolling.This is only to submit the papers and to go in front of the judge. Will all bank accounts be frozen from tomorrow ?
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PC situation, still freaking
Big day today, still freaking out on the PC situation (bought on credit end of last year, worth maybe £300 but paid £500 from a catalogue). Just wonder if the OR will give me a hard time for purchasing it but knowing I was in debt and struggling. I know, nothing I can do about it now and it's not worth them removing or…
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Personal pension after BR
Hi All, I went br in 1992, at the time they administrator took details of my personal pension and made an attachment to it precluding me from changing anything on the policy without their permission (ie switching funds etc). This attachment is still in force. In 2 years time I will be 50 and therefore old enough to convert…
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Advice needed for HUGE debts!
Firstly, I feel completely ashamed at the situation I'm in and can't believe how bad I let things get before realising what I'd done. Here's my story, I went to university and then drama school so left there with student loans. I've paid bits of them off over the years and now owe them about six grand. Other than the…
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trust deed
hi folks, just had my trust deed protected a few weeks back. a wee question,what as a rule constitutes something that counts as money you may need for an emergency. i also work on a commision basis, how have you folks found that works in a practical sense.ie do they come looking for all spare cash you may have. thanks
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Hello you fab bunch a quick update
Had OR telephone interview today he rang at 10.07 he went at 10.15 he rang back at 10.48 he went at 10.51 no intrest in house, thankyou very much was a lovley man very understanding said it was a straight forward case and that i would be a likley candidate for early release i think he said or something early anyhow. I have…
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bankrupt???????????
what exactly happens to, 1 loans in my name 2 creditcards in my name 3 loans, creditcards in joint names (wife and i ) 4 the house and mortgage in joint names 5 overdrafts
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Meeting with OR - Help please!!
I'm in court to go BR Friday 11th and straight afterwards to see OR. I can't remember being told to take anything with me, so I rang the clerk today and I have to take everything with me regarding all my debts!! At the court I'm going to they like to get it all done on the day. How far do I have to go back with bank…
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Filling in BR Forms..HELP
Ok so we are having a bit of difficulty with this form and having a dull hour or two, (dull as in thick..Ha ha.) With the question dates cards obtained, do these have to be accurate ,or if not sure, what do you answer. Do we put details of new basic bank account and do you get to explain its for receiving your income. When…
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Name in paper question
Anyway i can avoid my name in the local paper? I have had to move three times in the last 2 years because someone has been issuing me death threats (my boyfriends ex wife). This is the only thing that i worry about with reagrads going bankrupt as i really do not want her to find out where we live this time. I do not have…
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OR update....
Hi everyone, I've not been around much lately. Very busy with the kids, and OH has been at home on his computer so I can't get a look in even in the evenings! Tonight he's playing in a cabaret performance! At 6pm this evening, just about to light the candles on my 5 yr olds cake when the phone rang.....the OR. She just…
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Car breakdown cover...
Hope someone can help with this...what is considered an acceptable amount by the OR either per year or month for car breakdown cover?
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Sorry for the self indulgance but........
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bankruptcy question for you
Hi all.going br soon..i have an outstanding bill from my accountants of £360 for last years tax return they did. i want to pay them before i go br.......if i send them a cheque or use a cc cheque how will the or view this ?, is it classed as a necessary payment ?, hope you wise owls on here have an answer or opinion on…
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Mortgage arrears
Hi all, ive just contacted my mortgage company to say its very likely im going to miss last months mortgage payment because of cashflow or lack of it at the moment and the idiot i spoke to said its already a late payment on your credit file and i had better ring back by next week saying how im going to pay or an agent will…
