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Question on bankcruptcy
My wife and I owen £90k between us, approx £45k is purely in her name. She does not work, is it possible for her to declare herself bankrupt? and how does this affect myself?....would i be liable for her debts as her husband and would the courts allow her to go bankrupt? Any help appreciated
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Please Help - Statutory Demand - Petition for Bankruptcy
Hi, I'm new here, i really hope someone can help with something i have received today... Over the last few months since my relationship broke down i have been suffering financially. My now ex and my children are living in the house which i pay the mortgage on and i'm in rented accomodation. I have a few loans and cc's but…
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heres an odd one
a BR has been told by Northern Rock that he can keep his house (£5000 arrears), pay his normal mortgage and repay the £5K when he sells the house.....
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BR and stuff.....
I've been watching this forum for ages but never posted whilst plucking up the courage to take the plunge, which I did the other day:eek: Firstly this is a great forum and everyone is so positive and helpful it's fantastic:D Secondly, having gone through the Court bit and the OR interview I thought that sharing my…
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Face to face o/r interview
I had my phone interview late november,and thought that was that,but now ive been summoned for a face to face interview,i know i made a lot of cash advances on credit cards,and bought some rubbish,just wondered if anyone else has experienced this:confused: thanks
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advice needed on credit score
hi all, i was discharged from bankruptcy last november after 8 months exactly and im the process of cleaning up my report. im after any advice that anyone can give me to improve my score? currently its 264 (equifax) and 404 from callcredit so im gonna take it as 264 and was wondering how to improve it? i have only got a…
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Declined by LloydsTSB -cash account! help please
I hope someone can help me! I do have a bank account with Yorkshire Bank, but due to moving they are very far and few branches. So, after looking at LloydsTSb website, they have a 'Cash Account' just a basic account, main thing for me, there is a branch minutes away. Now to find out more about this account, I click on on…
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what can the OR take?
If i do a car boot sale to save for private rental do i have to declare it to the OR also if i sell household item do i need to declare everything i sell? Also i didn`t have a IPO placed at my interview, but would that change if i started work? Also ( so many questions!!) If we hand the house back to the lender before they…
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ahah jim lad......SOA+accountant question
I had an accountant from 2003 to 2005, and all was hunky dory, when i restarted self employment i didnt consider that i had enrolled his services, indeed when in june 2007 things looked bad i specifically told him "dont do anything more for me im probably going bankrupt". It came as suprise then when, discovering my Ltd…
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Dilema
Just had a letter from the letting agent today with a copy of an unpaid water bill invoice from our last landlord. I am in a bit of a dilema about what to do with it, the last landlords shafted us big time and we spent alot of money on their place sprucing it up as we were told that they wanted long term tenants, cut a…
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They've just taken my Bike Away
The OR's collection agent has just taken my motorbike away, never mind i only used it 3 times last year and when riding it it inflamed an old knee injury, i would have sold it myself but didnt due to the disposing of assets rules. I was a bit shocked at how they took it away though: some old farmer and his wife turned up…
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I may have to go bankrupt
I am with the CCCs and they have advice me to pay £1 a moth to all my creditors as i only have £13 surples left of my money each month half of them wont accept that so i offered £3 but still no my debts in total i owe is £12,550 so CCCs says the only other is go bankrupt that is all very well but no one will lend me the…
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Okay peeps, should I chase my OR?
Hello you lovely forum folk! Right, quick question on what to do: I had my OR telephone interview on 27 Feb. At this time I was recovering from an operation and so was on sick pay. She made a note of this and said she would send ot new I&E forms for me to fill out as I could have been off for 6 weeks. As it happens, Im…
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bankruptcy and my employment
Hi it been a while since I posted on here. My husband has now left me so its all worse than ever.Still working as a bus driver and waiting on tax credits as a single person. I am now looking at going bankrupt and have got my deposit, just worried about my employment do my employers gave to know I am bankrupt? As a bus…
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The CCCS
I had a phone appointment with them yesterday, I've got to say the woman I spoke with was very helpful, never sounded like she was judging and was very understanding. If anyone is looking for advice i'd highly recommend you deal with this organisation, The woman who I spoke to made me feel at ease all the way through going…
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It's funny how some people think
A colleague of mine has borrowed umpteen amounts from family & friends over the years, & never seems to think about paying it back. This year, he's started asking to borrow for money, & for the first time he's getting a succession of "Sorry, I can't help you this time". He thinks people aren't being fair, because he thinks…
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joint account overdrawn , need advice
hi everyone, i am new to this board and need a little help. my OH is going down bankruptcy route shortly currently £60,000 + plus in debt all in his name , i stay at home and look after our 3 children, one of whom is a baby, my main concern about this whole process is that we have a joint acc which is currently £8,000…
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OMG!!! I think I have made a mistake
I went to the Co op to apply for an account today, and my BR is tomorrow but the insolvency website says that this account I applied for may be frozen if I apply before bankruptcy. Will this happen?
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Help need credit (was hoping I would never say that again!)
Hubby & I have been discharged after BR on 16th Feb; it was all going so well...... I've looked at our credit scores & there are several errors, which I've just started the letters for; but car (which is essential as I work 20 miles from home, there are no buses at time I start work & need for kids) has given up ghost. It…
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Query on my IPA plan
Hey everyone, I have just received my notification of the figure I have to pay through my IPA which is £313 based on 66% of my surplus income. Fair enough as I know that's the rules. However my question(s) are - I have a monthly travel pass for the train as I get a tube to work everyday and therefore do not need my car for…
