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OR interview in an hour!
Got my interview in an hour. I'm more worried about this than the actual bankruptcy. I keep looking at my petition and business accounts and studying them like it will be some kind of test!! I've spoken to the lady before and she seems really nice, so why am I so worried??? :eek:
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Help needed please - BR
Hi all Couple questions for you guys - found this site a few days ago and its amazing that there are so many of you who have came thru the other side of the BR Tunnel! Personal Info.. Debts Nursery Fees £2327.25 Car HP £3000.00 (approx - once car sold) various DCA's £3400.00 (council tax originally) gas /elec £327.00 Thats…
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House in France
This was posted on someone elses thread by Crystaltips so I thought I would post a new thread for her so it wouldn't get lost and would get some replys House in France Hi everyone. I just joined today and like the person on here who is over her head I am too. I have taken advice from the debt organisations quoted on here…
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BR SOA online vs paper forms at court?
Ive looked at the online forms on the Insolvency website for going BR, a family member recently went BR and had 3 identical SOA forms to complete at court, how many online copies of these forms should someone print off, 1 or 3? (just in case.....):confused:
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Am i in deep doodoo?
I have been self-employed 4 years, in april a customer went into liquidation owing me £12000, in a panic i used cash off cards to pay bills and now am not earning enough to repay the montlhy bills, work is slack, incoming payments are slow. I have 8 credit cards all maxed out, and am now seriously considering going…
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Are we blacklisted or what?
Evening all. We have just recently moved house. The guy who lived here before us has just gone bankrupt. Now, my solicitor informed us that formally registering your property with the Land Registry takes around 4-6 weeks. Unfortunately, literally 11 minutes before our registraion was submitted, the guy went bankrupt; and…
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nil tax code still on
hi all had my bankruptcy anulled and it is all signed and sealed like it never happened but my tax code is still nil and i am paying no tax this was put on about six weeks ago. Will they automatically take me off it and will i owe them the money i have not paid so far? tyty
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Car situation
Could anyone please help me to understand our car situation, both my husband and me are about to file for BR together. We both need cars for work. At the moment we have a lupo which my dad bought for us to use when we first lost our business and went back into employment (but its in my husbands name not my dads) its worth…
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Advice for friend in RAF...
I have a friend in the RAF who has about £21k of debt, they don't own a house as they live on the base and rent... Does anyone know if they would be able to get an IVA? I heard that they wouldn't be able to go bankrupt, is that right? :)
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Haven't heard from OR...Have now! (16/10)
I went bankrupt on 4th September and called my OR on the 6th to let him know I was going to Mum's in France for 10 days... He said he would call me when I got back to arrange an interview but I still haven't heard from him. Should I be worried?? When I did speak to him before I went away I asked him about my bank account…
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Have you time to advise please
Hello It is getting so hard to find work. I am self employed. A few years ago I had no debts. I then decided to try to develop my business and I took on employees. I took out loans and credit cards in my name to do this. It was a total disaster and I was just ripped off by staff. In 2005 I decided to go back to working…
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Back Home and OR Letter waiting for me!
Hi everyone I just got home today after taking a weeks break with friends as I said before i went. I told the OR office about it at initial contact on 3rd Sep when I went BR ... so today I find at home waiting for me OR letter fixing phone interview for Monday 24th at 3pm and enclosing forms to be returned by then!!…
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Got My Co-op Bank Account Opened Today
Hi All, Got my Co-operative Cashminder card through today :T No doubt the account will get frozen when I go BR shortly but at least I won't have to worry/wait to set one up after BR. My advice would be to open an account before you go BR and when you credit rating looks good.
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Bankrupt Seeking Advice on Art
Me and my wife were declared bankrupt in Aug this year after about 6 months of trying to 'turn things round' (bankruptcy was result of our 7 year business failing, leaving us with unsustainable debts etc..). This left us with no car, no home etc... Fortunately we are now in rented accommodation and trying to 'rebuild' our…
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Real Credit Card for Disharged BR??
I declared myself BR over 3 years ago and have now been discharged for over 2 years. I have applied to the only 4 UK banks that appear to encourage people in my position for a credit card but have been declined on each occasion. Catch 22 now as these declined applications will also reflect negatively on my credit record! I…
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That 'C' word
I hope this doesn't sound silly, but i had a huge panic today. My daughter (shes 18) got sent her first CC today with a £450 limit, along with a letter from her bank saying she had a £400 pound OD limit. :eek: She been with me through much of the recent hell i've been through, and i know i can't stop her, and i have to let…
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Anyway to keep the house?
We are seriously considering bankruptcy we have over £102k of unsecured debt, it is only the house that is stopping us. Without the debt we could easily afford the mortgages on the property I would say we had about £25k equity at most in the property. We are already on a dmp but more and more of our creditors are refusing…
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Advert in local paper
I know on the scale of things, may be this should be the least of my worries but the thought of everyone knowing my business seems even more depressing. Are advertisments always placed? and if so what information do they have to include, I currently have a job where if one of the 'unsavoury' characters which I sometimes…
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OR interview on Monday
Hiya, One month after bankruptcy and I have my OR interview on monday. I'm c**ping my pants a bit about it. I think it's because it seems so long ago that I went to court now, that i've kind of put it out of my mind. I was just wondering into how much detail they go with what things were spent on, because to be honest I…
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Bank Account/House Equity
Hi everyone, Apologies for babbling but I am very nervous and its the first time i have ever used a site like this aswell! After many months of worry, we've decided that nows the time to take the plunge and BR is definately our only option. I have many worries which I want to clear up with your help but one of them is: My…
