-
New job?
Hi All Was declare BR last month. Have not worked for 3 years, so only income has been income support, child tax credit etc. I may now have the opportunity to return to my career - if I took a job at £35k, how much do you think I would have to pay the OR, and for how long? I am a single mum with 2 kids and pay £800 per…
-
Life after bankruptcy
Hi folks It's a tough road but there is life after bankruptcy. I was made bankrupt four and a bit years ago, following the end of a long term relationship and a long spell of depression. Anyhoo, after a year or so I was accepted as a joint account holder on my husband's HSBC current account and they even gave me my very…
-
ISA after bankruptcy
Are you allowed to get an ISA afetr you are discharged but while still in an IPA? I would like to start saving some money now that I am sorted out but I'm not sure if ISAs are treated the same way as bank accounts for ex-bankrupts and whether the OR would allow one.
-
am i likely to get a BRO?
I'm going to be applying for bankruptcy very soon (just got a couple of things to get sorted out first) and 1 of my debts is a HSBC loan that i took out after i knew i'd fallen pregnant. I had intended to return to work part-time after my maternity (which ended 2nd march) but i didn't realise that my company would have…
-
How does this look please?
This is what I have put as outgoings on my SOA just wanted to double check its okay. Rent - £270 Housekeeping - £440 Electric - £80 Water - £25 Telephone Charges - £40 Travelling - £50 Clothing - £50 Maintenance payments - £125 Council Tax - £115 Other Essential payments TV Licence - £11 Contents Ins - £10 Xmas/Birthdays -…
-
Finally going to do it!
Hi, i've been browsing this forum for a while now and its been so reassuring seeing how people have gone through this process and survived intact :) A little run down on my situation: Over the last 10 years or so my finances have gone from bad to worse, I can't say a lot of it isn't self inflicted but unfortunately when I…
-
ive used my cards...but not BR YET!
HI. Just wondered what happens if ive used my cards in the past few weeks? Ive got 3 cards that have not been touched for months and have stopped paying. Ive got 2 that i still use and pay the min payment so i always have a plan B!! Ive just put them both onto another card (yesterday) that had a zero balance to save me…
-
Yes Yes Yes.got A New Job
Sorry this is not strickley bc but just so pleased that we have both(oh and myself)got new jobs starting tomorrow!. Wanted to share my good news with what has becaome "my extended" family. After 11(17 for oh) years in slavery bc has allowed us to break those chains. We have had 3 days at home and are all set to go.Thanks…
-
No Phone Or Sky?
The CCCS told me I can not have sky, broadband or a mobile phone. How true is this?, and would it be possible for my ex partner to pay for the sky (the baby loves it) so do I!! from his Bank even though he does not live with us or is that not allowed.... thanks I know its a luxury that I can no longer afford but would help…
-
Can the OR/Court make me rent somewhere cheaper?
Hi All. Would love a bit more help! I will be moving shortly (my landlord is selling up!) and my new house (private let) is more expensive, my ex partner is paying the extra (its me and my baby girl), also i recieve HB. Can i be made to rent somewhere cheaper? now beleive me I have tried, I rented my current house 2 years…
-
Quick me update- didn't mean to vanish!
Sorry for vanishing unexpectedly- when barclays decided to close the bank accounts we had to switch the direct debits for phone etc over to dh's name and bank account and long story short a distant, far off customer service centre managed to take the instruction "please change the direct debit details" to mean "please…
-
Help please still saving the fee
Hi thereI wrote earlier in Feb, not sure where the post has gone.I am still saving the fee and nearly there to go BR.My previous question was that I have access to my mum's car a couple of times a week, to save getting the bus to and from work.On the forms you have to put if you have use of a car and value etc.Will they…
-
Rent- does this sound right?
Hi again- sorry if this rambles on/I ask the same questions i have before, Im a bit(lot) of a worrier. After a lot of thought, Ive decided to keep to my BR date of March 17th- and to stop paying mort/sec loan. They are - combined- very high. I doubt the OR will allow the payments and even if he does, I will seriously…
-
would just like to ask.....
Hi All. I would love a bit of advice if I could...... I was looking into BR a few weeks ago and decided (after speaking with CCCS) it was the only way to go, however.. My landlord has decided to sell this house we live in so Im now looking for another. My credit is not great so my fingers are tightly crosses that I get…
-
Bank accounts AFTER BR.
My mum went bankrupt with her now ex husband about 6 years ago. She has no bank accounts at present as she has been in receipt of disability living allowance via the post office accounts. However some of her bills need to be paid via direct debits as they are costing her so much in fees. She tried to apply to HSBC for a…
-
bankruptcy help needed
bankruptcy Hi everyone Need a bit of advice about bankruptcy. My husband and I are considering going into bankruptcy. Up unitl four months ago we were both working with decent wages coming in. Unfortunatly i have had to finish work through ill health and consequently our income has dropped. We have four unsecured loans, a…
-
Applying for Bankruptcy, Need advice :/
Hi, I'm glad i found this place and to find people in a similar situation, i find the best advice is from people who have been in your shoes - so to speak. I have a couple of questions that i hope you could help me with please. When i take my forms to the court, are you (if they pass it) bankrupt from the day you hand the…
-
I have a plan, but will it work? Advice please
Hi All First of all, thank you to all of you who post. I am learning so much, and I don't feel quite so bad about the size of my debts, they're big... but not necessarilly the biggest! I suspect, in the end I will have to go bankrupt. But in the meantime I have a plan. If I can I am going to sell my house and try and buy…
-
Has the OR forgotten about me
Hey guys went Bankrupt 8 months ago, had interview done all normal things in build up and during early stages of Bankrupcy and was eagerly waiting an ED. I was told originally that I would have an IPA roughly £200 but have not had a nill tax code aplied and have made no payments to IPA. well I have given up hope of an ED…
-
A few questions....
Hello there, all knowledgeable people.:T Basic questions are; 1. I opened a new account today with Co-Op, as I understand that my Natwest Step account may be closed afterall. But, the Co-Op did not once ask about BR. And I didn't volunteer the information as its only a basic account and I am not after credit facilities. I…
