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Will coming back be difficult?
I've been travelling and working on boats all over the place for 6 years. More recently I've been teaching sailing in the Med, have met an English girl who is now expecting and she wants to come home and settle down. She is a trained school teacher and is applying for UK jobs on the net and talking about getting a house…
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Letters and Statements
For months now I have not been receiving any letters from my creditors. Today I got a couple of letters from companies, surely the OR has contacted everyone to tell them that I have gone BR?? When I spoke to the OR when I had my interview, she did tell me to get rid of all my statements and if I received anything else get…
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Anyone Had An Ipo Imposed In Court??
Hi there, OH and I are fighting an IPA at the moment as we can't afford it, declared BR last August and have had a lot of trouble with the OR, SOA keeps being altered by them to find more free cash and it all seems rather unfair. One minute they allow something and then a different OR disallows it. Anyway, our last letter…
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Early discharge letter... quick question?!
I got a letter from the OR today saying they were thinking about applying for early discharge, but the letter isn't very clear. This is what it says: Even if your financial situation has not changed since the bankruptcy order was made, you should still complete and return the questionnaire. But in the next breath there is…
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Sequestration- Bankruptcy in Scotland
Hi I am in Scotland and I know the law varies here. I have heard conflicting info about early discharge here, does anyone have any experience? The CAB were truly awful in terms of advice, verging on negligent. Thanks!
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What Should I Be Sending The OR?
Right, since court on monday things seem to be moving quickly. I have my OR phone call next wed at 2pm, I have signed the forms that were enclosed but I am now wondering exactly what I should be sending. I have tenancy agreement, 6mth rent statement, 12mths bank statements. The main bulk of my debt is catalogues but I have…
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housing question.... blurgh!
ey up you lovely lot, how are you all? I was kind of hoping to pick your brains again (im sorry.... no more questions once this whole sorry situation is done and dusted!) My ex and I have a house together which is currently empty and costing £600 p/m mortgage payments. I cant afford this as Im living off £345 a month total…
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Quick question
I just had a letter through confirming our rent increase. Its a bit more than I thought and means our outgoings are going to increase by about £90 a month... This means our outgoings are still going to be higher than incomings even after we have gone BR :( Will anything be said about this and will it make a difference to…
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Should I offer hem £1
Hi All. I have been looking at BR for weeks now, on the advice of the cccs i stopped paying the creditors(in jan), wrote to(in feb) them asking would you freeze my account for 6 months/consider writing of the debts? surprise surpirse...they said no, please keep paying us...ok...with what??Anyway, its going to take me while…
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is It Worth Me Going Bankrupt????
I have posted quite regularly on the DFW board and have followed all the advice and suggestions and have made some good steps towards keeping my debt situation at bay. However my situation has now changed and I am finding that my outgoings far exceed my income. I am considering bankruptcy as an option, but have a…
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Renting- is this really bad?
Hello again, Im going bankrupt in next couple of weeks and will be handing back keys to mortgage lender shortly afterwards. Im looking to go into rental accomodation. Every letting agent I spoke to wants 6 months rent- this would be pretty difficult to find. My credit rating at the moment is ok- a couple a defaults. Would…
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OR - What Asetts?
CMD - Again! Would you know how 'petty' the OR can be? Strange question,but.... ive got a picture of them walking round my house with a pen and paper to see if they can sell anything. I rent private, share my sisters car (when i need it) owe 25k and own nothing really. However, i did buy a PS3 at christmas its about the…
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I've got the job!!! Yippee!!
I've just had a call offering me the job which I went for today!! Yippee!! I thought I had to come on here and update my forum buddies!! It's £6K more a year too which is a right result!! Unless the OR takes it all off me... boo hoo... not that I've done BR yet?! Well chuffed though... they're going to put a 'back to work…
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OMG! OR interview today:(
Oh my God, what a cow! Sorry, I wasn't exactly expecting a pat on the back but was made to feel really small and worthless - if you'll excuse the pun;) Went bankrupt on 20th Feb. Called OR office end of last week and they still hadn't decided who was taking my case. Yesterday got a letter saying I had a phone interview…
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Self Employed I & E
Hi All When the OR looks at my total monthly salary will he allow me to put 23% of my earnings onto my I & E for my yearly tax bill?or am I wide of the mark. Many Thanks Andy
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Hypothetical..ish question
If my Ex and I got back together, how would it work with my BR??:confused: He works and I do not. If we got back together then I would obviously not be entitled to IS or housing/council tax benefit and my only income would be child benefit and child tax credit as he would pay the majority of bills (as before). He is not BR…
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Best company for a CC 1 yr after BR
Hi all, Can anyone recommend to me a good CC company that will take on customers that have been bankrupt? I really need to improve my credit score in order to get a mortgage in the next few years. Any suggestions would be most welcome! Thanks :rotfl:
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outgoings for BR form
Could you tak a look at this and see i need to add a few more pounds to any of them? just me missus and 1 yr old in the house. How much do you spend each month on the following: Mortgage payments or rent on your home £500 Housekeeping (including food and cleaning) £260 Gas, electricity, other heating £80 Water £40…
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I & E questions pls
how much does the OR allow for rent when living with parents?? Also i pay the phone bill/broadband which in total is £23 pcm - it that allowed? EDIT: sorry, will they ask about my mums financial situation? ie: your mum gets £x amount of money so you should have to pay her £ x amount for rent??
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br help
firstly i did live at home with my parents and got in a bit of money trouble and resently my girlfriend got pregnant with our first child, so now we are rushing to get our own place(renting). but im the only one with income which is roughly 25k a year i have debts of roughly 18k. I was going to do a debt management plan…
