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First Step
RBS Credit Card £4241 Barclaycard £3000 RBS Loan (inc interest) 24584 Overdraft 1500 Evans £60 Total: £33,376 I contacted CCCS yesterday. I have a reference number and a phone interview with them on Monday. The lady told me to contact my creditors so I phoned Barclaycard to ask the to put account on hold. I was really…
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Please advise
Hi i have had my lightbulb moment and i am really looking for some advice, i'm 19 and live with my partner im claiming everything i can (housing and council tax benefit) i am working. i have unsecured debts of just under 7000, i am seriously considering bankruptcy i have looked at DMP but it would take me nearly 12 years…
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Well here goes.....................
OR phone interview (my OH) tomorrow afternoon! :eek: Its going to kill me not being able to listen and talk too, I like to be in control of things :rotfl: I have a feeling of impending doom! :rolleyes:
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Complicated situation - advice please
I am in alot of unsecured debt (around 60k) Last year when I accepted defeat, I contacted all my creditors and arranged reduced payment plans with them based on a pro rata system . They all accepted and froze interest to various degrees. A calender year on and they have all asked for a review, and although my financial…
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Could you answer a few questions please?
Hey guys, One of my close friends is filling in her forms for bankruptcy. I've answered most of her questions but there are a couple I just don't know. She tried to prop up a failing business for 2 years and now has personal debts of 65,000. Firstly, she and her husband have around 16k in savings from selling off their…
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creditors not informed
Hi can I ask a question please. It is now around 7 weeks since I became bankrupt and I have had constant phone calls from my creditors - I rarely answer the phone - old habits die hard - I do 1471 when I get home and it is always either barclaycard, Mbna or one of the others - My bank still send me statements despite me…
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What actually happens?
Hi everyone. I am finding this site so helpful and I still don't know whether or not I am going to go ahead with BR. What I would like to know, is what actually happens on the day? I have read about going to the court and filing etc. When you see the OR do you have to go through all the spending and talk about why you…
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Bankrupt on Benefits
I am considering bankruptcy as my final option now. I have heard things of court fees and payments afterwards of up to about 200 a month etc... Does this apply if you are on benefits? I am currently in receipt of Incapacity benefit, income support, child tax credit, child benefit and DLA.
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under caution?
i am in the middle of filling in my soa, and a friend came round, he is fully aware of my impending br,and we were chatting away when he suddenly asked a question that i had never thought of, so im sure somebody will be able to answer it. "when being interviewed by the reciever are you under caution?", as in when…
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I still don't have my bankruptcy club number
feeling a bit unwanted now seeing as i went BR on July 4th and it's now almost the end of September... :(
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Grrrrr! - Gone BR now Creditors want 'Proof'
Hi all, thanks to some invaluable advice from reading this forum over the past weeks (not directly - I just lurked as other people had asked most questions I was asking!) - DH and I went bankrupt last Wednesday - It was so not what we expected - we're lucky in that the Court we needed to go to operate a 'drop in' for…
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past experience - house repo.....
maybe of note. 15 years ago we had our house repossesed we paid £32,000 for it, with a £31,000 mortgage we paid the mortgage (£250) for 3 years. the building society sold it for £20K and wanted the rest off us, however they also got paid a £8K insurance in addition to the £20K the house made and our 3 yrs of payments. they…
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HELP! Advice urgently required
I recently had a letter from a company called Daniels Silverman chasing an alleged debt. I Withdrew my daughter from nursery (I signed a contract) but gave them notice in the form of a posted letter. In the month of August she consequently dd not attend. In September Daniels Silverman (D.S) wrote to me demandng full…
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Recomended for Bankruptcy
Hi All. The wife today had our annual review with CCCS regarding our debts. We have been advised to consider Bankruptcy, and the forms and information is on its way in the post. I've read many posts and the advice has been well received and a help. I am married with 2 young children 5 and 2 I work and earn £21K. The wife…
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Student Loans and Burseries for your children whilst on an IVA
Hi Guys Waiting to hear from Debt free direct re my IVA application and have arranged for Black Horse to come and collect the car. Does anyone know what happens with regards students when you are on an IVA. My daughter is due to go to university Sept 08 and our gross income would mean very little, if any, means tested…
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Just had my OR interview!
Hi everyone Wow, I am still shaking a bit (with relief). I have just come off the phone after having my OR interview. Started dead on 3pm and lasted 22 mins (Yes, I timed it - saddo!). The man, Robin, was really kind and when I told him I had almost no bank statements and stuff he said not to worry and he was VERY…
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BR Query
Hi everyone Can you please advise me if my husbands pension would be affected by going BR? Currently, his business has gone down and having waited months to tell me, he knows how I worry, he told me he may have to file for BR. He is currently collecting his state pension, and two smaller, all together would not even pay…
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As from
11.30 this morning my OH is BR!!!:eek: Relieved, but both feeling rather flat just now.............and we're both 'pooping our pants', re the OR interveiw!! COurt was fine, out in a couple of hours, I was even allowed to go and see the DJ with my OH, how nice was that, all very pleasant, the DJ was very pleasant indeed,…
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Can I go bankrupt from New Zealand
Having just joined the site I'm hoping someone could tell me if it's possible to go bankrupt from here in New Zealand. I have lived here for 2 years and have no intentions of moving back to the Uk, although I will visit when funds allow. I owe around £25k to the tax man and VAT. I have also been told that debt becomes…
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Diy Iva.......
Can only proffesional practioners organise IVA's? i feel the fees are a con, but a mate had a faxed "IVA offer" come thru to him late on a sunday afternoon, i said the guy was either trying it on, or its kosher to do then yourself. over to you experts.....:rotfl:
