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Mothers Debt
Hi I was wondering if anyone could offer me some advice on debt that my mother has run up over the past few years. The situation is she is 70 and retired on about £400 a month lives in a council house (rent paid by council) has 2 credit cards with about £7000 on each £14k debt total one card around 18% interest another 27%…
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Please help Advice needed
Hello this is my first time posting! Basically I have unsecured debts of about 65k and had been in a IVA for just over a year everything was going fine until my girlfriend decided to break up with me leaving our rented flat I had nowhere to go so decided to stop paying the full £625 IVA payment and have been just paying 20…
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What the OR needs to know
Hi People, this is my first post so I hope someone can help :) I went bankrupt in July and have had all my interviews with the OR etc and I've had the letter saying that I can keep my car. After I went bankrupt i had a pay rise 2 months later of £16.00 a week (at the same time my entitlement to Council tax and housing…
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Annulment Application - How long till a date?
Hello all, I applied for annulment of my bankruptcy on the 30th of August. I actually went there thinking I'd be given the court date for the hearing there and then. I was told that they'd be in touch with the date. Now, almost a month later, I've heard nothing. I submitted the application at the Royal Courts of Justice…
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HBOS faced with winding-up order
http://news.bbc.co.uk/1/hi/business/7004680.stm I did find this funny, but HBOS will probably extricate themselves from the situation. :rotfl: At least it's not just us (the little guys) who get this. I wonder if they got sent a Stat Demand by "Connaught".
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Help! Worried
I've just cancelled my OH's egg loan DD, this will be the first time we haven't paid it. He got a text on his work mobile earlier telling him to check his account, he did and they want him to reinstate the DD. Anyway that isnt the problem - the problem is that they not only have his mobile number but also his work number.…
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Need Advice Please
Hi Guys, I will bullet point this to make it easier, but would be grateful for any advice: I owe £35K + £6K on car finance. I am currently on a DMP for the £35K and paying the finance off monthly. When I went on a DMP I was working for an employer. I came into some money from my divorce and set up my own business which is…
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Bank account for a bankrupt
Ive tried a few banks and been turned down - all i have is a post office account which i cannot pay cheques into. Anyone know of a basic account i can apply for on the internet? There is no Co-Op bank here or nationwide.
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Excuses...Excuses...Excuses
Hi All, I'm running out of excuses to give to my CC companies that keep ringing me. What is the best action to take? How can I delay them until my BR hearing? What the best excuse? Thanks
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Going bankrupt
Hello, For the past year I have been in an IVA aggrement. But recently my employee has cut my overtime and changed our contracts which means I am losing between £400-£600 a month after tax. This has now affected my payment for my IVA and now I will have no choice but to go bankrupt. My question is should I stop my mortgage…
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What do i do now!!!!!!!
Hello all. I have about £55,000 of debt on 8 credit cards and 1 unsecured loan. I have had to move into my parents home about 4 months ago after my OH had enough of my debts and i am realy struggling to pay any of them. I am self-employed and have not been working much over the last 2-3 months and i have missed at least 1…
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Question for Debt Doctor please
Hello, As I have posted before, I believe I am going to receive some inheritance from my grandmother,(the figures have been changing dramatically), it is half of my late mother's share. I am still as yet undischarged, although my OR has started the early discharge process dated from 6th September. If my calculations are…
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Overseas Property
A couple of years ago my father purchased a small overseas property, he exclusively financed the purchase, but he did add my mother, two brothers and me as joint owners. If i was to go BR what are the implications for this property, could the OR force the family into selling the property to realise my share, even though i…
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bankruptcy and the fees
Can any one help me with this problem i am in the process of applying for bankruptcy but cant afford to pay the £475 to pay the court costs i am not intitled to benifit as i work full time and have an evening job to!! my wife also has 2 jobs and still we barely cove our priority debts.once i have applied then it will be my…
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Bankrupt but trouble with creditors
Help! I was made bankrupt on august 21st and everything seemed ok. I rang up one of my creditors to inform them that this had happened as their bailiffs had already been round and there was a payment due this monday so I just wanted to make sure they knew, anyway they told me that it doesn't matter that I am bankrupt and I…
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Credit Checks
A while ago, on here, I read about 'free' credit checks with a company. You gave your card details, and received 1 month free trial. You could then cancel the subscription. I duly reviewed my delightful credit report and have promptly forgotton the site. I am now being charged £5.99 per month and I can't remember the site.…
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Discharged- credit card?
I am discharged now (June) and am looking into getting a credit card NOT to go into debt with but to put money on and to use abroad. Does anyone know of a card which will accept me?
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Br
Hi everyone, i have £15000 debt and living on benefits since being made redundant 12 mths ago. I have no re sellable assets and mostly non priority debts. I am concerned though about my tax bill from being self employed last year(£3400). Is BR my only option and will it clear the tax bill if i do. i live with my partner…
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Sorry Confused With I&e Again
I have entered my half of household expenses on the expenses section on line should i enter the whole amount and then put how much my oh contributes.. sorry to bother you again thanks kev
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Tax refunds
Would I be right in saying that if you get a tax refund when you are bankrupt that the OR will automatically take all of the refund due to you?
