Bankruptcy & living with it

Discussion List

• Creditors very quiet

  Hello, Since going bankrupt on Monday I finally plugged my phone back in ( Im a bit of a wimp regarding creditor calls ) - and Ive NO contact whatsoever from creds. did send a token payment earlier this month alomg with CCCS budget ( showing 0 surplus ). Before I went BR I was absolutely bombarded with calls- now- nothing.…

• Hello everyone - three months on and here she is

  Hiya everyone How are you all? Sorry I haven't posted in a while but there's not really been anything to post. I am now into the third month of my bankruptcy. I am FINE. I am not scared to answer my phone anymore. I buy "two for ones" and I look after my money and manage quite nicely on my wages. What a relief. I have a…

• Hi I am new and have lots of questions!

  hello, this is my first time on here although have read lots of posts yesterday . Basically my husband and I are in debt, we have been in a downward spiral for ten years since having our first child, using credit cards then getting loans to pay them off just to live on. We haven't ever been frivolous with money but just…

• Bankrupcy covering council tax arrears?

  A male friend of mine recently declared himself bankrupt, however since doing so he has now been told that his council tax arrears are not covered by the bankrupcy. He is now back to bailiffs knocking on his door and depression is well and truly setting in. Is this right?. If it helps he is in the Birmingham area. He was…

• Bankrupt and moving house

  Hi all, This is my first post so bear with me. I am an undisclosed bankruptee living in Scotland. I signed the papers 6 months ago, and under Scottish Law still have 2 1/2 years before I'm discharged. I currently don't pay any towards it as I'm on maternity leave, with a 4 month old. Im a single mum, so my income right now…

• How long does it take...

  If my IVA proposal is rejected 20th March, I have an appointment booked at the County Court for 9th April. Is the three week period in between the two dates a dangerous one? i.e. can I expect bailiffs etc? or does it take longer than that for the creditors to take such action? What should I expect if anything?

• Debit Card question

  When we realised we were having problems, we were with the RBS and owed them some money – a loan and an overdraft. We opened a new bank account with Barclay's, a debit card account; we told them we were proposing an IVA. If I now go BR because the IVA proposal looks set to be rejected, Barclay's told me that I will have to…

• IVA set to fail at the first hurdle

  My wife and I have proposed a joint IVA and the creditors meeting is tomorrow – 20th March. It was adjourned from 14th because Egg wanted more time to consider our proposal. I have heard today that the proposal is likely to be rejected because Egg want us to cancel our Sky subscription (£19 per month) and they think that…

• So many questions...

  Hi there, This is my first time posting and I would be really grateful for any help. Both my partner and I are soon to go bankrupt, we have taken advise from one of the debt charities and they have advised it as our best option. We have debts of about 13K. My questions are: My OH is currently on IB as is long term ill, we…

• Im Back

  Hi everyone alot of newbies since i last logged in but still a few familiar names ,Anyway guys and gals im back :D so any help i can be just let me know :T :beer:

• Halfway to being 236 of 2008!

  http://forums.moneysavingexpert.com/showthread.html?t=808769 Sorry for the cross post, I posted in the wrong place!!

• Need to get this off my chest....

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• Where to go BR in Bournemouth, help please?

  Hi, I am going BR in Bournemout tomorrow and just thought I haven't check the court details, I though it was one place but there are 3 different courts and now I'm not sure can anyone help. Thanks x

• New IPAQ form

  I hope i catch you all before you goo off for easter:EasterBun As some of you already know i changed jobs recently and now have to fill in a new IPOQ form. When i went bc i could not be bothered to open a new bank account so i just use hubbys:o . We pay both our wages in and just pay bills as and when they arrive. We both…

• I feel like an adulterer....

  That has come slinking back with tail between my legs. Its been over a month since I have been debt free and have been so busy enjoying the freedom (and spare cash?!!) that i lost track of time and one website led to another.... :o Anyway - just checking you are all still here and ok. And say hello to newbies and please…

• 3rd visit to OR office aaaarrrrgggghhhh

  hi has anyone had more than 1 visit to the or office, ive to go for my 3rd meeting next wednesday,ive had enough i thought when i went br it would be all over i cant take it anymore, im so unhappy just now just want it all over with, cant see any light at end of very long tunnel,i feel as though im drowning, cant sleep or…

• will i lose my house?

  We are seriously considering bankrupcy but the only thing stopping us is our house. we have a mortgage of £123000 left and it's worth about £135000 will they make us sell it ? We have been offering small payments to everyone we owe, altogether we owe £53000 unsecured debt, just can't see how we will ever pay it back this…

• I made the call! Now for the questions!

  I finally plucked up the courage to call National Debtline this afternoon and they could not have been nicer! They did a budget form and it was as we thought - £0 surplus! They have advised OH does go br and suggested I do too but I really want to try and save my business so am going to hold off for a while. So, OH is…

• pension advice please ..

  i have a contributory pension at work where i pay a certain amount pm and work pays into it as well. can this be touched ?

• opened my co-op basic today..

  and they couldnt of been more helpful !!!!! went to the main branch in manchester city center. explained the BR situation - not a problem account is now approved subject to the standard fraud check one thing that helped was providing enough info to prove i am who i say i am .. she was pleased i could provide details of…