Bankruptcy & living with it

Discussion List

• New car in my name?

  Well try again after that last botched attempt:rotfl: As some of you know I went BR at the beginning of the month and I have had my OR interview so what would be the situation here - my father, who I have to help get around because he is unwell, as offered to buy me a new car, would the OR need to be informed and would he…

• MSE-what i think it stands for!

  Happy bank holiday all. Whilst i know this forum is for serious post i have just been sat here playing with the letters and have come up with this. BEFORE BC M= MONEY, the mother of all evils. O= OVERDRAFT/OVERLIMIT charges. N= NUMEROUS phone calls. E= EMPTY purse,bank account. Y= YES another nasty letter in the post.…

• Medical Evidence

  Hello again, We have some medical documents outlining some aspects of my wife’s medical issues. Should I include copies with the forms that I take to court or should I wait and send them to the OR at a later date? BR :confused:

• Expenses breakdown - couple

  Hi Folks, You all give such good answers that I find myself asking more questions! We have to fill in two lots of forms. Am I supposed to break down our expenses into some for wife some for me? For example, our rent is £481. Do i put that I contribute £x and she contributes £x? Or do I just put the same amount (£481) on…

• car....

  i have realised that maybw i havent stated my case strongly enough on the online forms for wanting to kepp the car.. i take it, it can be discussed with the OR at interview before a decission is made ?

• ccj?

  Can i just ask if all my creditors eventually take me to court for a ccj, how long do i carry on paying it if my circumstances don't change? The rest of my life?? shezzy

• bankruptcy fees...maternity pay

  If I am on statuatory maternity pay of £480 p/m, do I still have to pay the fee's? any help appreciated

• SOA for bankruptcy forms -does this look ok?

  Statement of Affairs and Personal Balance Sheet Monthly Budget Summary Total monthly income.................... 853.15 Expenses (including secure debts)....... 830.33 Available for debt repayments........... 22.82 Monthly UNsecured debt repayments....... 0 Surplus(deficit if negative)............ 22.82 Personal Balance…

• Any Success Stories?????

  hi everyone and happy easter:easter_ba As you may be aware, DH is going BR mid April, and yet again i have more questions!!! (1) He has spoke to CCCS , who then put us in touch with Insolvency Helpline due to a legal matter and he has also been in touch with a insolvency practioner who made his business insolvent, all have…

• Argument for keeping our car - forms

  I've just filled the forms in online. I need to present an argument to keep our car. Where does that go? Section 13 is just asking about addresses and legal info. There's no room for anything else Thanks BR

• SOA: Housing Benefit Overpayment

  Am I correct in thinking that I include HB overpayment that I am paying back in my SOA as I have to pay back the overpayment until I am discharged?

• Renting from a friend of a friend

  We have found somewhere to rent, it's a friend of a friend. There is no tenancy agreement or anything like that, what do (if anything) I need for the OR? Thanks Izabel

• Is the OR interview stressful?

  Is the OR interview a grilling like the cops? Doe I have to explain what did I spend that on? What was that loan for? If so, how far back do they expect you to remember? Worried of Wilmslow

• Will it make the process quicker?

  Because I have already been down the IVA route (rejected) I have copies of all paperwork provided to me by the IVA Company. I will be able to complete the online BR forms using the info proved therein and the OR can have copies of course. Does that tend to suggest that he may conclude his enquires a bit quicker? Ta

• Can I spend some cash?

  We have some spare money in the bank because we started out IVA proposal in January. The first payment would have been due this week but the IVA was rejected on 20th March. The ‘payment I would have made this week will now be used to petition for Bankruptcy for my and my wife. Our court date is not until 9th April and the…

• Should OH be worried by Default Notice

  Not really sure what a default notice is or the implications as Barclaycard have said they are going to send my OH one due to non payment due to the fact they reckon they have no record of any contact with the IVA company my OH is setting up an IVA with, they are such a bunch of idiots, barclaycard were the same with me…

• You'd think they would take a day off wouldnt you

  Barclaycard, called to ask for a payment to be made on Good Friday, Yesterday and today Easter Sunday:mad: :mad: not after me this time, they seem to have finally got the message,they are after the OH now. She is going through setting up an IVA but due to delays with Halifax taking almost 2 weeks to provide a balance of…

• The Post Office card account

  How do you get one of these? Their web site mentions them but not how to get one. I can only get to a post office on Fridays and Saturdays, so asking in here is probably the quickest way to find out.

• OR interview

  ok, i go BR on 31st of march.... when can expect to get my interview ? if i get paid again after BR but before interview can i keep all that months wages ?

• voluntary BR or wait

  :question: Hi all, My business collapsed in december, leaving me with pg's to the bank (HSBC) capped at £56k. The business owed them on closing £48k, I also owe them approx £16k on a loan - which fed the business - and about £1.5k on an overdraft + about £3-4k on my credit card., My wife & I bought our house 8 months ago…