-
change in situation...help please
I am in my first month of a new job giving £950 net pay per month for six months at that point i will only be paid on a commision only basis. I hope to be going bankrupt in october are there any problems the above situation may cause. Sorry that was very vague i mean if i get an ipo. thanks kev
-
Is bankruptcy the answer?
Hi everyone, Could do with some advice if possible please. I had a Credit card that had over a 4k limit, i went over and was paying £100 a month but this was just paying the interest and the debt wasn't reducing, my bank then gave me a loan to pay the credit card of, but i spent again on the credit card so i had double the…
-
Advice please
Hi all, after years of trying to avoid bankruptcy myself and the wife are going to take the plunge, weve had enough of the worry and trying to make ends meet but i have a couple of questions could we do a joint bankruptcy or has it got to be done separately, also im in negative equity and in the middle of remortgaging, we…
-
A bit of advice please - court date set
I'm about to phone the court to get a date for our bankruptcy hearing. I could do with a bit of advice regarding timings with salary etc. We get paid on the 27th of the month.... Just really confused about what to do with moving money about to make sure it's not stuck in a frozen bank account. Also, what do you think about…
-
Help please , finishing these blessed forms lol
Hi there, Can I just ask a quick question now before I go to bed, so it doesnt keep me up all night worrying about it:rolleyes: (doesnt matter if no one answers tonight , at least Ive posted it lol) Right it refer to section 8 PROPERTY, now my OH is the one going BR, but the tennacy for our house is in my name, but he pays…
-
Early discharge??
Hi all, don't know if you remember me as it's been a while since i've been on here, so long in fact i have now had my expenses form sent out for possible early discharge (BR April 2) so not sure how long that will be now. OH changed job a couple of months ago, we're no better off and now wants to apply for a better paid…
-
Hello from a Scottish sequestratee!
Hello everyone I just wanted to introduce myself. I'm currently waiting for my sequestration (the same as bankruptcy in England) to go through the sheriff court (have been waiting since the end of June!), so I'll soon be a fellow bankrupt! I have to say that it's a relief not to have to worry about paying my many creditors…
-
What are the chances of a loan or bankruptcy best option?
Hi All Although I had decieded on BR, ( im currently with payplan paying £100 a month on a £25,000 debt), but was wondering if anyone has found it possible to get a loan ie with their bank to pay their creditors a "Settlement" amount - % of the debt, which would hopefully mean I wouldnt need BR or am i just living in dream…
-
Hello!
Hi, I've only just found this forum so I thought I'd say hello to everyone. I've been bankrupt since March this year, so nearly half way there!
-
Got Declined by CO OP Bank Today
Hi All Had a letter this morning saying thank you for your application but after careful consideration we have decided to decline your application Dont know what to do now Im gutted Jo x
-
Can the OR change there mind about the car?
Hi I am thinking about changing my job which i travel 80 miles a day return, the OR let me keep the car, but will they change there mind about letting me keep the car if i get a local job which would be about 3 miles a day? :whistle:
-
Bu**er this dam forum!!!!!!!!!!
to engrossed here reading everything, I just burnt the fishfingers................well and truly welded to the frying pan :eek:.....even the room full of smoke didnt give it away :o :D (sorry I know Im supposed to keep on topic here, but its your fault, isnt it!):rotfl:
-
Problems opening business account after Bankruptcy
Hi everyone. I have been discharged 2 July 2006 and also allowed to be a Director of a company again. However, in order to open a business account, all sorts of credit checks need to be done which I failed, at least with the Abbey. Has anybody any ideas on how to overcome this? As by money laundering regulations all…
-
the deed is done
:T hi guys, its done! after a horrendous journey to the court,having to slam on twice and me nearly sending a pedestian to their death by slowing down and waving him to cross, the silly !!!!!! didnt look the other way and he missed a car by an inch, so to say my heart was in my mouth when we walked in the court is a…
-
test messge
why wont my posting work
-
paying off creditors ?
14 k of debt has any one sucessfully managed to half their payments of final settlements thanks Paul.
-
Anyone gone BR in Bristol
My best friend is going BR tomorrow in Bristol - I am taking her as she is really scared and needs moral support (plus I've already gone through it though in Portsmouth). I'm assuming the procedure is the same everywhere? Did it go smoothly?
-
new bank account after being discharged
Hi Prior to bankruptcy up to the present date I used my hubbys bank account for my wages but now we need to either get my name added to his account, or open up a joint account elsewhere. this would be the better option as abbey are pretty poo lately and although we have never had any charges on his account I hear that they…
-
My Income and expenditure
Hi just a quick question I am doing an I&E for myself my OH is not going BR we have 1 child aged 8 could anyine please take a look at my first attempt at this tricky form Does my OH's income count as she only earns about £100 per month and I usually try to cover all the household expenses... EXPENDITURE Rent£250.00…
-
Another I/E question?
I was wondering as I haven't put down some of my personal debts eg (Owing family members personally). I have put all of my income into the I/E but would they allow me to have these as debts as its only OH going BR? I'm a Stay at home Mum and therefore have minimum income. I do however have a maintenance payment from my ex…
