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Joint Account now discharged?
Hi everyone, Some advice please. As you may know I went BR in Sep 07 and was discharged from BR on 27 Feb this year. Before I went BR I got my wife to open a NatWest Step account (a Basic bank account with no credit facilities) in her own name ONLY with Natwest so that I could have my benefit paid in and we could do all…
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Query about Bankruptcy on my Credit Report
Okay, so having seen the thread about cleaning up your Credit Report after Bankruptcy I've ordered mine. I've successfully dealt with Equifax (they just didn't have my discharge noted, not much to change) and today I received my Experian report. This one has confused me. You see under the Public Record Information section…
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Please help me
Hi, Please help me. Hubby and i went BR 27th feb. OR interview 25th March. LL just phoned to say he's had a very disturbing letter telling him about our BR:eek: ( we wanted to tell him) I begged him to let us stay:o .He said he needs to get legal advice and will come and see us next week:eek: . What will his solicitor say?…
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Contracts for anything in BR....
Right. A touch on the embarassing side this one. My Ex ordered (using my bank account) what I thought was a one-off Magazine. I saw the money leave my account and no problems. (DD taken the once last month - which he gave me the money back for) Since splitting up I have cancelled the DD from my bank account and had a…
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How long does OR stay in contact?
Hi,I got make BR nearly 3 weeks ago,its been hell so far.Im Self employed,am dreading people seeing the advert,may lose my car and generally have been so mentally exhausted by the whole thing.Ive had my OR interview,it was ok,and so far ive had one query from them.What happens now? how long do they stay in contact,will I…
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Going BR soon, a little advice needed
Hi, I am thinking of going bankrupt soon, when I got the money together and just had a few quick questions if anyone could have a brief look it would be much appreciated. I am in debt of around £63,000 built up over the past 6 or 7 years, mostly through time off from work due to injury in periods over that time and never…
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Car on HP again sorry!
hi all, the OR said he had no interest in my car at all as i owed more than it was worth. so he told he would write to my HP company, then they should get in touc with regard to sorting it out. this was mid feb and ive still not heard anything, they know im b/r as i rang them and told them, again they said they would in…
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Hi everyone - long time no see!!
Hi guys, Haven't been around for such a long time, thought I would come back and say hi, and let you know how things are going! Well after going BR last June, I am now almost at the finish line! Can't quite believe it!! Life is going well, although still a bit hard with budgeting etc. If you guys remember, my br was due to…
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Help...please
My Son and daughter in law are going through a nasty divorce , she has cleaned all the savings accounts , everything, my son is only just about able to pay his way through the week let alone any extra payments,they are just about to have the house repossed, and now he finds out she has also run up huge debts on credit…
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Nationwide account info
hi guys, sorry I havent been around to offer support of late, have been spending all my time searching for work, hope all my old friends here are doing well I just popped in to supply a little new info on the Nationwide faccounts Some may remember, I went into my local branch the day after becoming BR and they told me all…
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Have finally decided to go bankrupt
I've now made the decision and want to do it as quickly as possible. Ideally I would prefer to go to the High Court in London rather than my local court. I am going to do the paperwork online myself but does anyone know how it takes to book yourself into the High Court? Thanks, C
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The Good and The Bad ...........
And before anyone else says it ............I am the ugly one !!!!!!!! Well , another chapter in my colourful and varied life....................Landlord's business (Estate Agency/Lettings) has gone belly up ...........he has to realise all his/wife's assets ..........guess who has to find a new place to live. So , posted…
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Could this be classed as criminal/negligent?
Hi, Im going down the vol repo/BR route. plan to save 6 mnths rent upfront by not paying sec loan/mort for next 2 or 3 months. mort is £90k sec loan £84k house is worth approx £150k = huge shortfall. If I sold the house normally First Plus would have a shortfall but would recoup some of the money- about £55k after…
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I&E - Can anyone have a look please
INCOME MR P 1327 MRS P 1220 CHILD BENEFIT 172 TAX CREDIT 48 TOTAL 2767 OUTGOINGS MORTGAGE 907 S/LOAN 398 FOOD 500 HOUSE INS. 54 CAR INS 48 CAR INS 31 BREAKDOWN COVER 8 BREAKDOWN COVER 8 DOG INSURANCE 14 GAS 35 ELECTRICITY 61 WATER 43 PHONE 30 MOBILE 5 SCHOOL DINNERS 100 PETROL 150 PETROL 100 CLOTHING 50 CAR TAX 17 CAR TAX…
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New job - I&E
Hi All Following my post the other day, I would welcome and idea of how much I would have to pay the OR if I go back to my career based on the following I&E: Net monthly income (after tax, NI ): £2,500 Rent: uncomfirmed yet (still trying to find somewhere that will accept BR) but likely to be min £900 (central Oxford is…
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Car Insurance when BR
Hi All, Does anyone know if you're still allowed to pay your car insurance in installments while you're BR? Or is that considered a credit agreement. TIA
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Discharged bankrupt with no IPA/BRU - bonus & increased wages
hi I am recently discharged from BR - YAY! however upon trawling various message boards there is no clear information on whether any additional income received after discharge needs to be communicated to the OR. Note: I do not have an IPA/IPO/BRU etc I started a new job during BR and notified the OR, gave them new…
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Things must be bad....
I spoke with my secured loan company today, as it's now reached the stage of it going to their collections team and they actually said to me "You should go bankrupt" ... I've been considering this for a while now and had independent advice and they have all said go bankrupt. Is it common for companies to recommend you go…
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Credit after Bankruptcy
Hi I,m studying with the Open University and I'm paying off one of my courses via installments, ie.credit APR really good. Does this mean all transactions etc will go on to my credit report, especially if i'm a good payer as I'm trying to establish good credit again after being discharged in Aug 06. Also the Cashplus card,…
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What extra things have you been allowed in your I & E by th OR
Hi guys what has anyone included in there I & E that isnt normally considered and been allowed to keep? Im just trying to cover all angles of my I & E.
