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If in trouble contact CAB.
I owed 12,500 to credit card company,7,500 to bank for loan and 1,000 in H/P my total repayments were 500 p/m while i was only earning 800 p/m with a wife and child to support i was really struggling, I had used up all our savings and had started to gamble to try and get rid of some of the debt, of course I proceeded to…
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BR date booked
I rang the local County Court today to ask about their proceedure for going BR and found out they were already booking for the first week in January! It's a two step process at my local Court so you have to go in on a Friday with your forms and fees and see the clerk and then the following Tuesday you see the Judge and are…
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Or question
Going bk a week on thursday ,When the OR request bank statements ( which I have ) I am bothered because my daughter had her child benefit and csa payments paid into my bank account, this has been going on since she split with her abusive husband 2 yrs ago. Also she gets things out of kays catalogue which I pay with her…
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A different car question than usual
About 2 and 1/2 years ago I gave back the car I had bought on HP because I couldn't afford the balloon payment. My mother then gave me her car to use but it remained registered in her name. Last year, due to a new baby being on the way my mother gave me permission to sell her car and to use the money to buy a second hand…
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hi looks like i am going br
well looks like my only choise is to go br owe over £30.000 :eek: scarey isent it:D will get over it dosent help my gf got atacked and raped couple of weeks ago she lives abroad
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I & E Need Advice Urgently
Both my Husband and I have decided to go bankrupt after 12 months of getting nowhere. Unfortunately we have seperated and no longer live together, but are still good friends. My I & E should be straight foward. I am on maternity benefit my only income and am living with my in-laws until after the baby is born and then I…
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BR & Windfalls
Say i was to come into some money, a Lotto win of £1200 for instance, while i was BR and paying an IPA for three years. Would i have to submit half of that to the OR like in an IVA? Discharged or Undischarged.
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Stress and bancruptcy looming!
Well Im absolutley stressed out, I have all these forms, got to find my property details I sold, got to save the fee, bank have now froze my debit card , calls and calls, my car prob be repossessed, im just freaking.
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how long after OR interview
hi had my OR interview nearly six months ago but i havent heard anything since, is thsi normal? when will i hear something about my case or should i ring them? my case is pretty straight forward ie no homes, mortgages etc. any help is appreciated, thanks
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my brother
hello everyone, my brother went bankrupt about 6 weeks ago, and he is still getting threatening letters and phone calls. He has been unable to get hold of the chap dealing with it. Can you advise as to how long it will be before his details are passed on? Thankyou in advance
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bankruptcy orders and pre pay master cards
hi, i went bankrupt on nov 1st this year and just had my OR interview yesterday where i was told i would not be allowed to keep my pre pay cashplus mastercard i thought the idea of these cards where for bankrupts and people with bad credit ratings your thoughts and comments please cheers
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Do we have any other option or is definitely bankruptcy?
Hi, I feel bad for jumping in with a question straight away, but I don't feel that I can give advice to others, since I'm clearly so rubbish at anything money related. We owe around £35,000 on various credit cards and loans. I've been trying to consolidate over the past 2 years, but it seems I've only been delaying the…
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Equity in old house / Car on HP / Timescales
I have recently been divorced and have been left with large un-servicable debts amounting to around £100K. I have been advised that bankrupcy is right, but have some questions: 1. When I divorced my ex-wife got to keep the house. She is currently trying to sell it. It has around £250K equity in it. I believe that I would…
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OR interview
Hi everyone, Went bankrupt on the 7th nov 07 and have got my telephone interview with the OR tomorrow morning at 9.30 AM. Asked if my OH needed to be there and she said it depends on how much information she can get but really she should speak to him, he has niomore time off to take you see. Was just wondering, does anyone…
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Bankruptcy Board: What's missing but we need to get?
OK. This shouldn't be a long list for this board, but we better do it officially and all in one place. Please read:
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Desperate Please Help
Hi I have been reading the post on this forum and they are really usefull. I am in a really desperate situation and feel my only option is to declare myself bankrupt. Both my Husband, we are now seperated, and I owe money to various creditors, hubby (£20,000) me (£28,000) Joint (£5,000) I previously lived in Jersey, my…
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Please Help
Well have sent all the documents and information off to the official receicver. My OH has had a letter back from them with regards to the house. We have about 95,000 outstanding on the morgage. We had the property valued yesterday and the estate agent said it would now sell at around 130,000. But obviously I dont want to…
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Need help please¬
Hi all, I am new and am due to go to court to go B/R on friday am... Just wanted to check a couple of points: i have a joint account with my oh and was advised to take my name off (originally oh put me on, the account was already his). All the bills come out of it and are in his name..please tell me they won't freeze his…
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how long after bankruptcy........
hey everyone, new to this just joined today but im really considering bankruptcy, im only 22 yet in about 21k debt, my own stupid fault and so regret it like i suppose we al do BUT.at the moment im doing something with the c a b paying osme companies aything from 50 a month down to a pound a month but its so hard with all…
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Declared Bankrupt Today!
My hearing was at 9.30 am today. I was out and finished by 11.45 am. I was surprised at how painless it was. The Court staff were great, the Judge was a bit frosty (but aren't they always!) and the Official Receiver even gave me his best wishes for my "new life". A great weight has been lifted from my shoulders. One thing…
