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Ain't Halifax great
I mean i went BR 4 weeks ago, Had a letter from Halifax on the 25th Feb saying my accounts were being frozen and closed:rolleyes: as they had been informed i was BR and........................... today i get a letter from them offering me a personal loan:D :eek: :T :cool:
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bailiffs question
hi everyone as you may be aware, my husband has decided this week our only option is bankcruptcy, we are 70K in debt and cannot afford the monthly payments anymore, we have beena dvised to stop direct debits just to the people we cannot afford any more, (numerous credit card companies) and two loan companies, the phone has…
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I and E forms please advise
hi there my husband is going down bankruptcy route and we will be filling forms in next couple of days (i am not going bankrupt just him as most debts are his name only!) one concern about i and e is that i am a housewife looking after our young sons so my question is on i and e form petrol will my allowance of 10.00 per…
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Sequestration help....please :)
Hello all, I'll do my best to make this brief- Basically, hubby and I owe about 45K, rented home and no assests, and have been paying it back at a very slow rate with the aid of Payplan for ages, with no new debt in the last 5 years or so (but it's not gone down much either, what with interest, only the big companies…
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lostinspace
Hello all, I've been in touch with CCCS who have been V helpful, they advised me to go straight for BR, but I have resisted so far, so I've chosen to go with a DMP, at present the CCCS predict it could take 13years to payit all off, this would be ok only if the crediters would stop charging me late fee's and interest…
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lostinspace
Hello all, I've been in touch with CCCS who have been V helpful, they advised me to go straight for BR, but I have resisted so far, so I've chosen to go with a DMP, this would be ok only if the crediters would stop charging me late fee's and interest charges, I saw this all coming so wrote to them all informing them that I…
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stopping Direct Debits ..
as it is looking more likely that i shall be going bankrupt (subject to a more detailed chat with CAB ) I was considering stopping my next payments and D/D's as i need the money do pay the B.R fees and for petrol \ living money. is this a good idea ? also as my visits to CAB have been "drop in " visits is there somthing…
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Director and Rented property. Urgent help needed.
I dont think my first post went through and if it did I apologise for reposting. To sum up I owe MNBA (10k) Nat west CC (8k) Monumant (6k) Egg CC (5k) GE Finace for sofa I bought for my sister at Christmas (£1,200) Next Store Card (£900), HFC around (£500) I have been sleeping on my sisters sofa for 4 years, because I earn…
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self-employed and confused
Hi This issue of being self-employed and going to a nil tax code is really confusing me. Does anyone have any advice or help. Many thanks Andy
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Receiver claiming money under section 340?
Hi All I wonder if anyone out there could help please, the official receiver is claiming that under section 340 I should pay back money. It is my husband that is bankrupt. He was self employed and during struggling times I paid some business bills by credit card. Subsequently he transferred a car into my name by way of…
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allowed items
Hi all ,i ave just finished my interview with the OR and i was a little annoyed. I had a small personalised printed gift site and made mugs t-shirts etc which didn't make a lot of money but it was a job. i decided to go bankrupt because my personal debts had dragged on for years and i would have been 70 by the time i had…
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Forms Assetts??
Hello again After several attempts- Ive FINALLY started filling in the SOA form online on the Insolvency Service website. (Im rubbish at computers and kept putting in wrong password.) Im a bit stuck on section 3 List of Assets- the pension- I have company pension from my old job- just a bog standard one and I didnt pay…
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Statements for the OR
Hiya everyone. We have had paperwork from the OR and we need to send 12 months worth of statements etc... we have a lot of the statements but we are missing some. Not sure what to do? can we send statements printed from the websites? although a lot of the websites aren't letting us access that now :confused: we're not…
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bankruptcy or iva ?
hi i am looking at sorting out my debts one and for all and going for insolvency.. i live with my mother so dont have a house to lose. i owe bout £3000 over a car ,3 credit cars a motorbike , and a personal loan CAB seemed to steer towards the BR route rather then iva. anyone give me a key point to decide which one ? i…
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Mobile Phone Contracts
Hi All Just a quick question would I be able to retain my pay monthly contract after I went BR? I am not in arrears with my provider and it is essential to my business. Thanks Andy
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HMRC and self employed
Hi Guys As I am self employed I have to make two payments each year 31.01.08 and 31.07.08. I already have the figures for Julys payment but as I will de going BR before then,would I be able to include these figures on my list of creditors. I an unable to pay Januarys anyway as this is the main cause of me going BR. Many…
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Online Forms Help please
Hi there Just a quick question, I have started filling in my online forms. It asks for my monthly rent figure. We pay £800 pm but we get housing benefit, so we actually only pay £450. Do I put £800 or the £450? Also, my husbands name is on our rent contract only.Do you think the OR will need to tell our Landlord about my…
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Quick question if IVA failed
Hi, Just a quick question I am filing for BR following a failed IVA, do I need any paperwork stating the IVA failed like a certificate or anything as I don't have anything on paper. Thanks for your help x
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To ebay or not to ebay?
Hello everyone :) , Quite an easy going question to ponder on (or not if you don't want to) a Friday night! I have been wondering over the last few days whether to sell a few items I have on ebay (something that never occurred to me pre-BR, as in to help raise funds!), ie a games console I no longer use, some DVD's, a pair…
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notice of discontinuance on a debt
Does anyone know what this actually means?
