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Any Advice
Hi all Another newby to the site here. Some great advice, hints & tips Could any one share any advice with me? My ex partner owes me money, however, after being declared bankrupt, and there being a complete lack of funds and assets available, i am under the impression i will not be entitled to any of my monies back! What…
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Desperate for advice
Hi all' this my first post and I am dying for some advice. My debts Credit cards £26000 Overdraft on my bank account £5000 Bank loan for wifes car in joint account 4000 ( joint loan) Income £1836 monthly wages take home pay + child benefit and family tax credit It would seem to me that my debts are 2 years worth of income…
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Todays update
hi everyone well after sleeping VERY little last night & sobbing to myself most of the night i got up with eyes like pi** holes in snow, i got the kids off to school & DH was in bed, post came & i cried again,& i sayt there & thought how the hell have we got here, i do like my newly rented house but it doesnt feel like the…
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IVA into bankruptcy
I am nearly 18 months into an IVA and our payments are £277 a month with Blair Endersby(Baines and Ernst). We are struggling as we underestimated our cost of living and last month applied to have the figure reduced. They refused on the grounds that the school trip fees, cubs childrens parties etc... are luxuries and do not…
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Help with forms
Hello...another question from me, would someone mind reading over my statement for the BR form and see if they think it's ok ? here goes... I was out of work for nearly 3 years, and being proud and vain I declined to claim Job Seeker's allownace until the end of that time as I believed I would be able to get work.…
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flat rental question
Looking at going BR next week and was wondering when they inform your landlord,if i can't convince them not to?is it decided after my visit to the Royal Courts,or after my meeting with the OR approx 3 weeks later?I'm looking at moving to another privately rented property soon and this could make a diffence to when i move…
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HELP Wrong advice given by charity and now even Bankruptcy looks like it won't help
Hi all, I really hope someone reads this who can help. We've been in serious trouble since last year due to many things going wrong which I'm happy to go into if you think it's relevant. In the main, we are 4 months in arrears with our mortgage and secured loan and we have just had 2 charging orders granted on the house…
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Really need advice or a kick!
Hi, finally plucked up the courage to post my situation..feel gut wrenchingly sick but no change there (wake up with it every morning) This is probably gonna be long-winded so i apologise in advance. This situation started back in May 06 when i had a riding accident which left me with a broken humerus, long story short,…
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OR self employed and tax due
hi all , another self employed question, hope someone can help please I understand that self employment ceases on the day of BR and all tax due is calculated and included in the BR and then if its a continuing self employment, a new accounting period starts on the day after BR Please correct me if that isnt how it works I…
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My BR diary!
Right, thought by completing a diary on here, it would help me to keep organised and know what i should be doing. Just received a phone call from the money advisor of my local CAB who has been so friendly and so helpful. She has spoken to someone quite high up at Payplan who has agreed that BR is my best option given my…
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Whether I would be eligible to apply for an IVA?
Hi, I'm in a rather confused state at the moment. What I need to know is whether I would be able or eligible to go into an IVA plan rather than bankruptcy. At present my debts are 35K and I am earning just over 18K although this is a temporary situation and hope to be earning quite a bit more over the coming year. I have…
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Car & pension question
Hello all...quick question... i'm going to go court this wednesday to be made bankrupt..I have a car worth about £1500 which is costing me a fortune (broke down this morning on way to work :( ) I presume from previous posts that the OR would allow me to keep this as I need it to get to work - however i'm worried that it's…
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I did it yesterday
Yesterday I did it muber 66 of the year already:eek: :eek: . I did not even see the judge he did it anyway:j . I felt a bit blank yesterday but now a bit relieved it's done. I opened a co-op account last week and phoned then to tell them, they said fine, lets transfer all your dds over from your old bank and phone the…
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hey guys
Hi me again, sorry to ask lots of questions but ive had nothing but really good advice on this thread so far. Something that is really, really worrying me is how much the OR will look into money received over the last 2 years. About a year ago whilst i was signing on jsa I worked as a temp at a company for 4 weeks, whilst…
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Bankruptcy advice needed for the sake of my sanity..
Hi everyone, I have spent several days now reading through the various posts and am amazed at how much help and advice is out there if you just ask. So I decided to bare all so to speak and hope for some of the same. I will try and keep it brief, but I am also aware that the more info the better (just don't want to bore…
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water bill
Received a water rates bill today. £250.00 Previous address. I am an undischarged bankrupt. Ignore, :eek: tell them. Offer to pay :confused: Any advice Thanks
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Thank you all
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I've booked it!
monday the 11th... now i just need to stay focused and keep calm, it's definately the right thing for us but still none the less daunting, lady who booked my appt was very friendly and i was able to go for an appt when I'll have 3 of the 4 kids in school thank you everyone for the support and advice
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What were your experiences with the OR?
Just wondering as myself and OH will be going BR just as soon as we get a move and are settled. Bit worried as to how the OR will be with us, what were your experiences, was the OR nice to you, helpful, empathetic. Or was he a complete ogre. :confused:
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name in the paper
hi im new on here, found out about this site through another site!! no one knows about me going bankrupt, i know the name will go in the paper but how soon? i keep buying the paper to see if it is in, but its not - i was made b/r on friday. also will the OR look into every single purchase that i made on the credit cards…