-
unwanted phone calls?....
now it might sound bolshie, but ive changed my contact number with all my cards+bank to a personal number i have (07050) this can be diverted anywhere, to a mobile or landline) at will, the great thing is there is now an advisory message on all these to the effect that they cost more to call, guess what, no sales calls or…
-
bankruptcy & family credit
Lo all, I am a recent Bankruptee and so far so good. I live with my parents and so have obviously gone bankrupt at their address. Are there any extra steps and/or paperwork I can do to ensure my folks, brother and sister (who also live here) aren't adversely affected in any way by association with me and that address?…
-
Consumer Credit Act - asking for copy of agreement
Hi guys Where can I find templates etc on asking for my credit agreement and what happens next if they do not respond - thought it worth a try to see if this works?
-
sorry another bancrupcy question or two
If you and your OH are both inthe financial poop but one is deeper in than the other can one of you go bancrupt and the other not? Also ref these basic bank accounts, what if your debts are with all the providers that do the accounts, does that matter and if it does where do you go from there? Lastly do you actually get…
-
publishing of bancrupcy
just a question did you or your kids get any stick when your bancrupcy was "advertised" in the local papers?
-
New job nervous about talking to OR
Hi, I just landed myself a new job, with a pay rise of about £150/month (to be confirmed in first pay packet at end of October) I know I have to inform the OR within 21 days of becoming aware of any change such as this. I start the job on Monday and only actually got the job last Friday, with written offer on Monday, so…
-
IPA question...
Hi there, haven't been around the forums much at all since my BR hearing mid-august, due to moving house to a whole new area, spending less time online, trying to find a new job, more time with my gf and so on. Basically about 3 weeks after my hearing I had my phone OR interview, all went well, they were quite friendly,…
-
Court on Fri - pls chk SOA
Hi all Got my court date for Fri this week, filled the online forms in for I&E but could do with someone to check : I live with my partner and have filled housekeeping in for two but fuel, car stuff, etc is just for me and I've put down a contribution from her each month : Rent550 Council Tax130 Food300 Electric40 Gas30…
-
reduced payments help please
Hello I posted a few days ago asking about advice about going bankrupt. Since then I have been thinking about my situation. I am so over committed with finance payments. We sold our house a year ago and have been using the etiquity to keep up with the payments. If I contact the creditors do you think I will be able to get…
-
MSE: Bankruptcy & Supporters Club - membership numbers/requests
Sort of got nominated for this duty, so: The current membership list is below. If you have been missed out or your name/number is incorrect, then please let me know. or (Some people are known by different names on other forums, so if you would like the name on this list switched then also let me know. Plus some people have…
-
bankruptcy in scotland
hi im new here just wondering if anyone could tell me how long bankruptcy lasts in scotland I have heard 3 years and also 1 year so not sure which. Also has anyone gone through bankruptcy and managed to keep their house. thanks in advance
-
Advice please, stuck as what to do...
Hi there, I hope you don't mind me logging on for a little advice. I have over £60,000 unsecured debt and have been struggling with it for the last year or so and have now had to take a pay cut too which has resulted in making matters worse. I have managed to pay everything up to date (with a few late payments) more or…
-
WHAHOOOOOO!!!! I am DANCING!!!!!
Just checked online!!!! Still homeless and at parents-in-law's But just been online and OH and I were discharged on 21st September!!!!!!!!!!!!:j :j (Bankrupt on 23rd March!!!) Yeah :j So happy!!!! Hopefully have a home next week too!!! Love to everyone!
-
Getting a mortgage when discharged from bankruptcy??
Can anyone give any advice on Mortgage companies, and which...if any....can help a young couple get on the property ladder, both of whom have been discharged from bankruptcy recently?
-
Great news, & I'm SO happy!!!
Well, I've just spent the last 10 minutes dancing around the house like a mad woman - I must have lost a stone! I'm so happy I could scream. "Why is wherediditallgo carrying on like a lunatic?", you may ask, with a bit of trepidation? Well, lads & lasses, I've just opened a letter from the Insolvency Service confirming…
-
SOA, or my 1st attempt at one.....lol
barclaycard visa £400 RBS visa £2100 barclaycard platinum visa £2000 virgin mastercard £10,000 yorkshire bank visa £9000 marbles £1500 coop visa £12000 hsbc mastercard £6200 hsbc loan £6000 vehicle HP £4400 total £53600 outgoings all pcm rent £210 rates £80 gas £40 electric £40 virgin phone/tv/bband £60 mobile phone £20…
-
BR as a married person.....
If I go BR, and list all income and spendings, how do i calculate what part in household stuff my wifes income and spending should be made available? I owe £53K, she owes nothing to anyone, yet works part-time. Or do i just count all her income (and the rent rebate+WFTC) as income, which seems a tad unfair. all debts…
-
Life is never dull!
Got home from work about 4:30 last night. Had my tea (cottage cheese salad :rolleyes: ) and was watching tv while playing with my landlords lovely kitten, Porridge. I strated to get a bit of an itchy neck - no big deal. Then an itchy face...so took a piriton. Then my tongue, throat, lips and chest started itching, and I…
-
ref any money im owed....
I see a section on the SOA which asks if im owed any monies, as im still trading (just) im owed about £2000, if i go BR does the OR snatch any dues, if so i may as well jack in and sign on, otherwise im working for nothing in effect.
-
Br, Bro, Bru...........
what exactly is a BRO or BRU, are they in addition to a BR order?
