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Help!Together mortgage no equity will they take house?
Hi, I'm thinking of going bankrupt. I have a mortgage which is made up of 76K secured, 20k unsecured, a value of 80k (so no equity) and other debts of 25k. Will they take the house off me if there is no equity? Also does anyone know how it affects your chances of buying a house in the future? Any help would be appreciated,…
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Went Bump (BR) and went pretty smooth.
Well went BR this week and it went pretty smooth well just about.Due to no appointment system I turned up and waited for my turn only to be told sorry short staffed so no go today :mad: I then ranted and explained I had taken a day off work and had telephoned the previous afternoon.In the end they relented and did the deed…
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BR and where I'm living
Hi all, I've got my BR papers from the court and before I fill them in I need some advice. I'm currently living at my girlfriends house, which she owns (except for her mortgage) and need to know if there will be any repercussion of my BR on her and her property - ie, credit rating, bailiffs, etc. Many thanks for the help…
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Just for this weekend...
I am going to try to forget that I am in the mess that I am. I am going to try to just enjoy myself (no, not spending too much:rolleyes: ) and make the most of my last bank holiday before I go bk. Anyone else??
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Alternative to finance to get a car?
I have been offered a fantastic new job that pays more but gives a car allowance rather than a car itself... As a discharged BR, what options are open to me to getting a proper car rather than a £500 old banger?
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URGENT question about car repossession
Can a car be repossessed and removed from private land?
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Advice needed: Loans after BR
Hi everyone - I need a bit of advice. I went bankrupt in 2004. I had struggled with a lot of debt that I had been left with when splitting up from my partner in 2001 (and he had a breakdown, so I took on the debt). I can't blame anyone else though as its was my fault that it later got out of control. I was discharged in…
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Are the CO-OP about to say no ?
Hi All, I made an application last week for the basic CO-OP Cashminder account as most recommended on these threads. I was advised to call back in 5-7 days time for a progress report, which i have just done. The operator told asked the security questions etc and then said that the application had been cancelled and if i…
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Will this be frowned upon? What will they do?
I am in the process of leaving my job as, once my car died, the travelling is nearly 2hrs each way, and I am exhausted/getting ill a lot/tearful/etc, etc. I do not have anything permanant to go to yet, as the job I thought I was getting fell through. I tried to retract my notice but was told I couldn't. I do not feel that…
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Negative Equity, Reposession, renting and Bankruptcy
Morning all Please can someone help before me and dh kill each other. We were stiffed by our FA and now have an extortionate mortgage with an order to reposess if we do not pay every month on time. Our mortgage is £2900 pcm including arrears. We cannot obviously afford to live and have £70k of unsecured debts and £8k of…
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OR interview
hi everyone :hello: just wondering how long you all waited after your bankruptcy date before you had the or telephone interview? still cant relax till i have got this out the way thanks
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debtors petition help!!!!
hi guys, my hubbys stuck on filling in his debtors petition the bits he's stuck on are as follows, which of the following would apply, (delete as applicable) my centre of main interests has been or i have had an establishment at or my centre of main interest is not within a member state 2,3,4 were self explanitory. i have…
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Well Here Goes
I am going to the Strand tomorrow with my forms and money, do I sign the forms before I go or do I sign them there. Was told by the insolvency helpdesk to take 3 copies even if I did it on line, don't know whether to feel relieved or panicked. Not looking forward to going into town with all that cash on me, really silly…
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what will happen if I don't close joint account?
Just wondering as I have a joint account with my boyfriend that is currently about £300 overdrawn. I haven't closed it yet, a) because it would mean DP finding the money to get it straight and b) because I wasn't sure if it would make any difference whether I did or not. Can anyone tell me what the score is? I think that's…
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Can I cash in my ISA....
...which is worth about £500 and use it to pay BR costs? Or will the OR see that as being a bit dodgy? Not entirely sure where else i'll get £485 from! Also, aren't there certain circumstances in which you don't have to pay the full fees? I currently have no income (on maternity leave) but do you have to be on benefits to…
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High Court.......Strand!! Any Advice
Hi Everyone, Ive got to go to the High Court in the strand (London) to hand in BR forms. Just wondered if anyone else has been there? and what are they like?. Are they difficult to deal with? I cant wait to be debt free, but dread going through the process (doesnt everyone):confused: . Thanks for all the advice so far.…
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Bankruptcy advise!!
If a company makes you bankrupt do you still have to pay the fee's! One of the companies keeps threatening us with it, shall we just tell them to go ahead as we are doing so anyway once we have enough money saved. Also we are about to move into a rented place and we have not yet gone bankrupt, the landlord is aware of the…
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Or Interview Over...sigh...
Hello All As you all know i have been asking a few questions for a friend and the advice i had from this forum has helped in an enormous way. So here is the story. Collected forms for BR from courts on a Monday. Managed to get a court date 4 days later. Made BR that day. 11 days later had OR interview. Congratulated on…
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can someone please tell me...
(I just wrote this post and it vanished, so I hope am not repeating myself!) ...what will happen if I go on living out of my overdraft until my bankruptcy appointment?! Is this seen as a bad thing? And what if I use what's left to pay my bankruptcy fees? Is this frowned upon or what most people do? Any help/advice…
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Employers knowing?!
Hi all, Another question from me - I can see this becoming a habit! If you go bankrupt does your employer find out? Thanks! :)
