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Went BR on Friday...
Just wanted to let you know that me and hubby went bankrupt last Friday. I just wanted to let you know what our experience was like and to add our experience to the collective BR pot, so to speak. Well, we didn't need to book an appointment in advance, we just had to be at the court for 9.30am. On arrival we were pointed…
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SOA question "are you owed any monies"
ive a few outstanding (unpaid) invoices, does the OR consider them income? about £200 total
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BR and vehicle loaned
Whilst the wife has kicked me out over the debt situation, my daughter has bought a car and loaned it to me, its worth £4K, as i cant insure a vehicle im not registered as keeping (on the V5) is it at risk from the OR if they do a search through DVLA and find my name on the logbook? ive no assets of my own, obviously it…
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Final Questions on court forms for tomorrow
1. Do we complete the form 6.27 the debtors bankruptcy petition before we go? 2. Do we complete the form 6.28 (affidavit form) before we attend court? 3. As OH needs vehicle for work do we ask for it to be exempted anywhere on the forms? 4. When do we put forward our reasons for keeping this vehicle (think it may be…
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Disgusted with Post Office
Blimey trying to pay everything by cash since OH is going bankrupt and went to pay a small amount to close one of my catalogues and i usually pay online but this time cos we have stopped using our overdrawn account i went to Post Ofiice and they charged me £2.20 as their standard fee:mad: , she did say that is the standard…
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One Off Discounted Sum?
Hi As many of you will know I went BR in Sept this year. All has gone well, but one slight problem with one creditor, our bank account was overdrawn by £800 at BR and it was a joint account and the bank are chasing my wife for the money, as of course they are allowed to do. They still address the letters to both of us…
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yet another question please
As you probably know now after all my questions OH is going B/C , i have just realised i have a currently unused Abbey Business account in my name not used for over a year now but with OH as an additional user holding an Electron Visa card from the account(can only draw money/pay money in on my behalf that is in the…
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Advice on Beneficial Interest Please
Hi, our situation is this: My partner & I are going BR, together we have about £52k of unsecured debt, my partner works bringing home £1950 a month, i am a stay at home mum 2 a 1 year old and we have another baby due in june. We have a mortgaged house, we had this up for sale for £185k but have just had to drop it to…
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Bank accounts
Thought I had posted this question earlier but it doesn't seem to have come up on the board, so I really am finally losing the plot. It was a Monday morning panic about bank accounts. OH is due in court for BR on Weds. I realise now just how much we have not done in preparation and I running around like a headless chicken…
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Tax credit
sorry, me again just wondering , before I phone the tax credit office if OH bankruptcy will effect any paymnets they make? Thanks
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Couple of Qs on court forms
1. We can't find OH life assurance policy - only have the payee number from the DD from the bank, have been paying it since 1992? will the OR be able to solve it ? 2. re the I&E could i put my LA policy down as i'm not going bankrupt ? 3. On Q 5.3 about joint cards/accounts do i just put joint responsibility items and not…
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I&e
Hi Tuesday is nearly upon OH heres our I&E (2 adults, 3 children incl 2 teens, 2 cats) CHB 183 WFTC,CTC 666 average income 333 TOTAL 1182 outgoings Water 42 Gas 50 Electric 49 cont ins 13 Phone 58 (BT 30, mobiles 10 and internet 18(doing home study course and cheaper than kids having to get bus to do homework at local…
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Bankruptcy and a mortgage
I have approx £40k of unsecured debt and am considering bankruptcy. I am unsure how this will affect my mortgage. My property is worth approx £75k and my mortgage is £72k. I am wondering what will happen with my house, will I be forced to sell it or will I be able to carry on as I am. If I can't keep my mortgage is there a…
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First Steps
Hi Everyone I'm back I just wanna say thank you to those of you that I have given me very positive information and making me feel at ease about going thorough my BR. With the help of my aunt, I have completed the forms (hope they are done correctly) Oh is there anyone I can go to, to make sure that I have done it right? I…
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My OH Bonus - help please
Hi All I have a question about my OH bonus, we mentioned to the OR that my partner gets paid a bonus if the company he works for does well and the OR advised him to let them know when we receive it and they will ask for 50% of it, which is fine with us, but my question is - Will we have to pay this for the 3 years or until…
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Bank incompetance or shape of things to come
Hi everyone I was discharged 3 years ago and last month, 6 years after bankruptcy, my credit files are now clear and I have an 'excellent' credit score. However, I filled out the forms at Lloyds TSB to be put back on my wifes bank account. On friday she got to the till at Tesco and her card was refused. She phoned them but…
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Mortgare Wows
Hello All I am a discharged bankcrupt, nothing to be proud of but i was robbed, i used to run a central heating company and an employee was stealing, he had a very high position in the company and was being watched buy the serious crime squard, the company was raided and the said person arrestead, our company was found to…
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Thank you
I just want to say thank you to all you 'experts' - I went bankrupt on 4th April 2007 and my bankruptcy was ended on 6th October after 7 years of worrying myself silly about all the credit problems. I am still left with a car loan with a shark to deal with and my student loans but at least things are now manageable.…
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Panic about CHB
I've just realised that CHB is going into our overdrawn Bank account in a weeks time and OH is declaring B/C on Tues and i've already missed a telephone bank review and cancelled all my DDs but forgot about CHB.(thought i was doing well :eek: ) I will call them on Monday when i should get my CO OP bank account details or…
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Items for SOA?
I am looking to complete my SOA in the next week or so with a view of doing the BR deed in the next 3 weeks. I just needed to compile a list of everything that I should include in a SOA. The obvious ones such as rent, food, fuel etc I am familiar with , but does anyone have a definitive list, or ideas on often forgotten…
