-
Think i should look at Bankruptcy.
Hi , first time on her . I have unsecured loan of £8000 , two card debits total £7000. All in my name only . My wife owns the house . She pays all the bills. We have a three year old , so I stay at home to look after her .I work part time in the evenings cleaning and even £250 a month cash. I pay £130 to my ex for my other…
-
This is probably a big no no but thought I would ask anyway
DF goes bankrupt on Wednesday (although I think I am even more stressed than him about it).... BR is really the only option for me too, we have got DFs BR fees from his credit card.... would it be a big no no to withdraw more money from credit card to pay my BR fees? I know the answer is probably a big fat no don't do…
-
Had OR telephone interview
Had OR telephone interview today, it lasted 2 and half hours:eek: :eek: it was so stressfull, but got through it all and think it went ok. My OH bought me a car for £350 a few weeks ago, The OR wants proof that she bought me the car, it was bought in my OH name, can they take the car? Also is it better to give back your…
-
Help and Advice Please
Hi there. In need of some advice. In a bit of a mess. Mortgage, secured loand and a failing IVA. Im on the sick atm so insurances are paying mortgage and loan. Probably going to file for bankrupcy in next few weeks. Just dont know what order to do things in to ensure we can find somewhere to rent, as probably wont be able…
-
Being self employed after BR
Hello, This is fast becoming my favourite, if not over-used forum, so another question please. I have just spoken to my excellent case adviser at one of the debt charities and told him that I think I should apply to go bankrupt. He agreed that it was the best course of action for me at this time. He surprised me rather by…
-
BCW group.... anyone heard of them/ dealt with them?
I am getting lots of calls / texts from them... I am guessing they are a debt collection company? I'm too scared to answer to them
-
Respossession and council tax liability
Hi, I moved into rented acom before going BR in January 08. Im paying council tax to my new council. Am I still liable for council tax for my old house until it is repossessed? It is classed as an asset in BR as there is equity. My mortgage co say it will be another 4-5 months before the repossession happens and I cannot…
-
how much debt do you need
hi how much debt do you need to go bankrupt please thx
-
Bankruptcy Help - To do or not to Do?
Hi. I posted last week re our situation and had some useful replies. Thanks very much. What I am now asking is whether my husband should go bankrupt. We relocated last June - house has been on market since and price has now been dropped by £20k and is on market for £289k. MOrtgage is £230k and secured loan £50k. We have an…
-
A word of warning!!
In order to gt my OR/BR fee and downgrade to a cheaper car to run I sold my current car on e bay. The guys came to buy it yesterday and took it for a test drive. When they came came (40 minutes later!!) they told me they had found all sorts of (made up) problems with it and only offered me £250 (down from £820). They were…
-
Today
Hi everyone, well its time. I have my court hearing this morning at 11 for my BR. I feel a little bit nervous but I'm also looking forward to it. Will let you know how it went.
-
Bankruptcy and benefit overpayments?
Phew! Having one of those weeks- I have reveiced a letter stating I have been overpaid on my council tax benefit and it will be added to my next bill! :eek: If the overpayment was made before my BK date is it included? Many thanks
-
more questions on bankruptcy
Hello, I am hoping to complete my BR forms today, assuming I can and have a couple of questions. Does the OR inform your employers of the bankruptcy? I don't work in finance or law and don't handle money within my work. I'm just wondering if they did inform employers, what the outcome would be particularly for some who is…
-
D Day today!
Guess that should read BR day really. My appointment is at 09.30 :eek: Think of me! K
-
Change in benefit law and OR
Hi On Friday the job centre called me in for an interview re. change in benefit system for lone parents which they expect to come into effect in October 2008, as follows:- Lone parents with children 12 and over will no longer be eligible for income support. Instead they have two options: -* Claim job seekers allowance and…
-
Help please, OR and car
Hi I had my phone interview with the OR last Wednesday. I was asked details about my car and at the end of the interview I made a request outlining reasons to keep the car. On Thursday I sent this request in writing with documentation to support it. On Friday I called to try to speak to the OR to check they had received…
-
Ebay and pre-BR gas bills and social fund loan
Hello all, Just to start I must admit that I haven't really being doing much supporting since my first (and only) thread in December (ref: 'Have I made a mistake going bankrupt? - regarding work and IPA's):o , I have been around though... My problems are that, the person who originally advised me on my BR, whilst well…
-
Bankruptcy And Council Tax Arrears
I'm considering bankruptcy and would like to know if you are allowed to bankrupt council tax arrears too?
-
Question re Income Payments Order
I am currently awaiting the outcome of my Creditors Meeting of an IVA proposal. The IP that has put the proposal together has estimated that I can pay £1147 per month into the IVA. This, he refers to as ‘disposable income’ after my priority debts. If the creditors reject this offer, I have made it clear that I am not…
-
A few questions???
Hi all, i've been reading this site for a while now and find it amazingly informative and reassuring. I was wondering if anyone could find time to help me with a few questions. 1) Can a career training course (home learning diploma) around £80 per month be allowed by OR? 2) I'm probably going to have to move back to my…
