Bankruptcy & living with it

Discussion List

• HELP!! My bankruptcy experience and ensuing fallout

  Hello to all on the forum, Please forgive me if I have done this wrong..or posted in the wrong part of the board. This is my first time ever joining a forum, let alone posting. Don't get me wrong, thank god I found this forum, believe me it has been my salvation since realising BRO was made. I experienced enforced…

• Outgoings Advice

  I finally rang the court today and have an appointment booked to go bankrupt on the 15th April. I'm trying to fill in my outgoings but its difficult to say where my money goes as different emergencies seem to happen each month. My partner is a student so I pay for a lot of her things too. There are just two of us so how…

• bankruptcy and work

  Hi there just found this site and need some info please. I have recently been declared bankrupt but luckily just found a job thing is now i dont know exactly what i do next i understand i have to contact them but what will happpen will they ask for a means statement or will they require a lot more that i can give. My total…

• Anyone dealt with Chester OR office?

  Just wondering if anyone had any experience of the above, what they were like, that kind of thing? (Not that I'm panicking, worrying, stressing, or anything..);) Thanks MC

• Gone BR today

  Hello everyone. After many months of shall I shant I, I decided abt 3 weeks ago to go BR,there was 2 things that made my mind up to do this. 1st thing, i've had 2 strokes in the last 15 months,really scary. The main reason ws abt 4 weeks ago the day after coming home from hospital creditor rang me up,threatning me with…

• Quick question about car

  Hi i have a car which i need for shopping,taking son to school etc? i accept that the OR may not think thats reason enough to keep it,far enough. But ive done an evaluation site thingy and its valuing my car at £900 in poor condition,which it is. So i wanted to know does the OR actually check your car to see if its in what…

• CCCS Appointment

  I have finally plucked up the courage to make the appointment!! :j It is on the 3rd of April at 11.30, just hope my little ones don't refuse to nap on that day!! I also may know by then whther my hubby has been unfairly dismissed from work, & whether I have had to quit to look after the kids due to his illness. So we may…

• frustrated and quick question

  Hi everyone, Thanks for all you help so far, my experience of BR is soooooo frustrating, it is a drop in service in my local court and went along with everything ready last Thursday to be told they were short staffed and couldn't do it so one wasted day off work. Tried again today with another wasted day off work as…

• Debtors Petition Fees 2008

  Hey all just a quickie from me! The OR deposit is raising from £335.00 to £345.00 on the 06 April 2008. Anyone who presents their petition on or after the 06 April 2008 will have to pay the new fee regardless of when their appointment was booked. Creditor petiton fees and winding up petiton fees are also going up. As far…

• Annoyed at OH's IVA company

  Were off for my OH's meeting with her IVA company tomorrow, on their website they give all this rubbish about the 7 easy steps to IVA and 1 of them is you will receive a copy of your proposal before your meeting with the IP so you can sit and go through it and prepare your questions etc before the meeting. Well OH had a…

• How do you resist temptation when you're BR?

  The main thing I've struggled with is my liking for computer-related stuff, bargains & special offers. I looked on another site & unfortunately became aware of some special deals for Dell computers. I've been checking that site every day (almost every hour :o ), & I've been SO tempted to place an order - it hasn't helped…

• Another bad day....................

  hi everyone Seem to be having one of those days , where i can only think of the bad things that can happen during BR and not the good things that can happen during BR I am driving myself insane with worries, can anyone help at the min with certain things that are worrying me. Firstly its my OH going bankrupt and not me, i…

• abbey national court judgement threat

  hi guys, i need some advice if possible, i am currently on a debt management plant with all my credit cards which i set up myself via advice from pay plan, i pay 5.00 a month. Abbey however now want 30.00 minimum a month, i started paying them 24 pound early last year as i had had no advice at that point and just agreed…

• Credit file question

  Hi, quick question, now Im bankrupt I accept my credit rating is on the floor. However, I have a mortgage that is joint with my sister- will my sis now also have "bad credit" because of my bankruptcy? There are no joint accs/loans etc- just the mortgage.

• Help & advice needed

  I need some advice regarding my dire situation!! Have full hmrc investigation into my biz etc .am worried may have broken law-paid 2 cheques into my biz sent in error- repaid the company since- have cc debts 40000. Have joint mortgage with wife 52000. SHE does not know extent of debts. living off savings dwindling fast Am…

• Just read through the forms ????

  Hi All. Downloaded and read throght the forms...I must say. they are not THAT bad. However, I do have a question. I was the director of an advertising company up until the end of my maternity leave (may 2007) and resigned June 2007. The company went into liquadation in September 2007.( I have the details of OR) but I do…

• My diary so far.....

  Hi all, Myself and OH both went BR last August, it took a hell of a lot to build up to doing. Neither of us were great with money and when we bought our first house we had about £15k debt between us already. I would be wrong to say that it didn't bother us, we both had been bailed out by our parents a couple of times…

• Advice Needed Please

  Hi all, I am after some advice. Amex used RMA to deal with my debt and after trying to get at me through my brother and failing; I wrote official complaints to both RMA and Amex regarding their behaviour. To cut a long story short, RMA passed us back to Amex because I just wouldn’t give in to their “telephone us” demands.…

• Will they take my Pension?

  (me again).. Just listing my pensions under the Assets bit on the forms, I've dug out all te paperwork, I have a few 'frozen' pensions from previous employment which are of small value, but I've worked for my current employer for 10 years and my company pension value is £49000!! Now I am only 40 (yes, ONLY ;) ) so I won't…

• The day after tomorrow

  At the time of BR I shall be (virtually) homeless (certainly) jobless and (practically) potless, hopefully after BR date I shall be (legally) debtless, having no job/income/benefits id guess im unlikely to get a IPA, but what happens to any assets which come my after going BR? a colleague has asked if id work WITH him in a…