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Bankrupcy question
does anyone know if i will lose my business and my house which i have only had for 8 months on a mortgage if i go bankrupt because of personal debt?
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Had my Official Receiver phone interview today!!
Hi everyone, I hope you are all well! I had my phone interview today and it went very well, the OR was really nice and even cracked a couple of jokes with me. Just really asked if I had made any large purchases recently, when I last used my credit card. I am allowed to keep my old banger that is sorn off at the mo as I…
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bankruptcy and credit reports
hi all i've recently been discharged from bankruptcy and have been getting my credit reports in to check everything is correct. There are a couple of age old debts that I had completely forgot about as I'd had no correspondence from the companies for a long time. As they weren't mentioned in the bankruptcy would I still…
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What happens AFTER bankruptcy??
Hi can anyone tell me what happens afteer you are declared bankrupt. i know the OR obviously checks out all your info you have given. Is that it? Do you need to send in your current bank statements ie) money made after you are bankrupt or wag slips? or does the Or control your bank account anyways? if anyone has been…
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Will it get better
Feeling really low today, dont know if I can go on (know I will but feel so bleak), CCCS paperwork arrived with some errors on it, it said I had £53 spare to pay off 60K of debts, but in fact it should have read £153 to clear 70K. I have tried to get in contact with my advisor giving her my mobile number but she keeps…
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Tmobile/Buchanan clark + wells
Hi, I was declared Bankrupt in Aug 06 and discharged end of MArch 07. The OR let me keep my contract with Tmobile. From Jan 07 my bill went up, basically from where I got ripped off from Dialaphone on a half price line rental plan. The contract ends this month but where I havent been able to pay it, it has gone to Buchanan…
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Advice on Co-op Cashminder please
Hello everyone, I applied for a cashminder account from the co-op and was refused. I rang up and was told that it was not because I am bankrupt. The lady avised me to write a letter appealing it and to ask the resason why as she could not tell me. Just wondered has anyone else been refused one of these accounts and do they…
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paying for BR
:hello: this is our 1st post and we are just filling forms out for BR just wondered if anyone has ever used money still available on a c/c to pay for the BR :confused:
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Early discharge?!!
I am feeling very hopeful - we sent off our early discharge forms today!! We went bankrupt on 6th Dec 2006 and have just got the forms from the OR. Now we just wait with our fingers crossed that it will be over soon. Thanks to all on here for advise and help, it was horrendous last year but hopefully will be over soon.
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BR and mortgage payments
Does anyone know if i am on incapacity benefit or income support can I get my mortgage interest paid after being made BR? Thanks in advance
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offer to repay
i have made an offer to repay a debt but they have refused my offer a/ can they do that b/ i have had a letter that they are coming to take goods the bailiffs have NOT been in my house before as i will not let them in what do i do when they come back with there van also i have a car it is registered in my name but was…
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Help my ex-partner bankruptcy has left me blacklisted
Help - I found out my partner had mounted up £100K of debt, I bought him out of our house and he moved out. He was made bankrupt in March. I applied for a credit card recently and was declined - is this the reason. My previous credit rating was fine. Can I get this removed from my address and credit file.
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Going BR for 1st time........
Hello all , Myself and OH going to file for BR very soon , had to cease trading ltd company so I have no income and CC/BankLoan/Car loan/Overdraft debts of around 60k (30k of which shared with OH). Got a few things I need to know now , looked on Forums but tricky to find each specific item. I have already seen conflicting…
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Bankruptcy?
Hi All After some advice really, I owe about 40K and pay about £160 a month to various creditors and now thinking should i go bankrupt? I have spoke to CAB about it and they recommended it, but just not sure myself. Is it as bad as it seems, does it affect your life for the six years as stated or does it improve after a…
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Oh s**t - mortgage rising to 7%!
Hi everyone, Just had letter from mortgage company advising that we are coming to end on our fixed rate of 4.9% in July, then its rising to 7.1%. Currently pay £720pm but it will rise to £870pm! Should we try and get new mortgage in place before BR or will mortgage company just put it up after we are declared BR anyway??…
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house and BR
Well things go from bad to worse...I'm pregnant which I am really happy about and going BR 15th July earliest I could get in the court, i'm getting phone calls, letters and default notices now even though I'm sending letters explaining and token £1 payments. I know I will lose the house not because there is any equity in…
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Not coping today
I have been worrying about my situation for a while, and although I was advised to wait for my IVA people to make me bankrupt, I have decided to go for it myself instead so that, as far as is possible, I am in control. Now I am panicking about finding the money/digging out all my paperwork/getting up to date balances etc.…
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Urgent help needed about token payments
Hi all Not posted on here for a while - I think I have been trying to bury my head in the sand and forget about how much debt I am in. Just to update. I am currently about £30,000 (7 different creditors in total) I had my IVA application refused in January and have since been trying to pay off some of the minimum payments…
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We Did It!
Just want to let you all know we did it!! 11 May at 12.18 . Wasnt as bad as I expected, still waiting for OR's decision about our car, but just wanted to thankyou all for your support leading up this. Im currently on dial up and its really slow, so will be back real soon!! thankyou all :beer:
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iva
has any one finished an iva ? i have a claim on my property for yorkshire bank can a negoiate on a re morgage to pay it off ivs was sarted in 2002 March Paul ?
