-
Hi, could someone take a look please
Hi all you lovely peeps on here, I know i dont usually post on this board, but, We have a poster josephine1 on DFW Board. She is due a baby within a week and she sounds very scared. She has done some workings out with cccs online but looks like they cant help her. She has mentioned going bankrupt but is scared of losing…
-
Bank/Credit card statements to OR
Can you share your time-frames with me please? I went BR on 7th May and had my OR i/v on 16th. So far, I haven't heard a peep from her, apart from a letter saying my car is exempt. I have a nugget of info in my brain which tells me the OR has about 8 weeks (56 days?) to gather her information for the creditors. At what…
-
Searching forums, messages, strings
Is there anyway I can perform a search of this single forum rather than getting results from all of the FORUMS. It really makes it difficult finding old info that you've read on here and it's much easier to post a new question but sometimes you don't get the answer you're looking for. Is there anyway of bookmarking…
-
Please Help!!!
Hi everyone, I'm sooooo glad I found this place, after reading most other "forums" (or should that be fora?), where you have the usual people with their "well, you shouldn't live beyond your means" etc. comments. I have been in dire financial straits since splitting with my ex partner over a year ago. I followed all of the…
-
Give me strength
I'v just had Mercers DCA's on the phone for barclay card. I told them I was going bankrupt which I'd already told them on monday, the only thing I could add was that I'd now got my date for it. She wanted to know if I'd allready paid for going bankrupt and so I told her you don't paid till the day you go to court and then…
-
RBS Bank anyone discharged with this a/c
I was just wondering if anyone has been able to open Royal Bank of Scotland's Key Account with a Solo Card? It's basically their basic account. I have been discharged over 3 years and wondered if anyone has opened one? Bo x
-
Anyone Done Iva Through Cccs
Got telephone appintment tomorrow to discuss possibility of IVA has anyone had any experience of doing one through CCCS?
-
theoretical question: nerds and policy wonks only
Definitely one for the IS manual nerds and amateur or professional lawyers: If someone petitions for bankruptcy and is subsequently (ie after their court appearance) sent a bill for a debt accrued in either May 2002 or December 2003, is that wrapped up in the bankruptcy too? It's a contract law thing. Hence it's debatable…
-
OR Interview Update
It's been a little over a week since our BR, we had a brief conversation with the OR dealing with our case on the same day as we were made BR- in todays post the official letter confirming BR and interview date/time (1st interview over the phone early july). Seems to be moving along pretty quickly......may be a free man…
-
All done
As off 2.15p.m hubby was declared bankrupt, which has removed a lot of stress from him. It was really ok, felt nervous to start off with but as soon as we arrived we were made to feel at ease. We went over the forms, handed over the money and told to go back at 2.00p.m was all over by 2.30p.m and it was painless. Any one…
-
Very nervous!
I'm due to see the judge for BR on 30th June. I live in France but my debts are English. I have recently heard that I might not be able to be heard in England. I wonder if anyone else has had a "foreign" experience like this and if you can help? Many thanks.
-
bankrupt - new bank account WITH switch
Hi I am discharged from bankruptcy, working full-time with good earnings and need to get my own account again. (rather than use my g/f's account) I want to ask if there is a bank that issue switch cards with their basic accounts. Do the Royal bank of scotland offer this or any other? thank you. also as a sub Q, i have a…
-
council tenancy and BR
Hi everyone I am new to the site but have been reading brilliant and encouraging advice from you all for ages. I have £44K debts, have been talking to CCCS for six months while hoping to find a solution but have just made the decision to go BR. A bit stressed and bewildered, I'm trying to make sure I do everything right. I…
-
Dealing with Creditors pre-BR, the start.
Hi all. I have just stopped paying all my creditors to save up for BR... I just had a call from Moorcroft who wanted to know where their payment was. "CCCS told me to stop paying to save the money for bankruptcy" I tell them, which is what was suggested... the reply was "OK, we'll be taking action then". I've been talking…
-
So confusing...
Hi all, :) I had a thread a couple of days ago asking for advice on housing but I thought I'd stick this in a new one as it's not really to do with the original questions. To give you a bit of background, we're not yet BR (and will actually just be OH because everything's in his name but I usually say "we" because we're…
-
well my car goes tomorrow, its started.
phoned the finance company, there collecting the car tommorow afternoon so im going to strip it tonight. once done, i need to get a cheaper car with the help of my dad then file for bankruptcy when ive saved enough pennies. its starting to kick in now, sure some tears are going to be shed tomorrow when i see my car go :( i…
-
Does it make a difference????
Have been contemplating BR for a few months now. We've finally sorted out rented accomodation, and have a letter detailing the date for repossesion hearing regarding the house. Also secured loan has not been paid for 3 months now and they have issued a default notice. After much delay I have received correspondence from…
-
mislead you before still help needed
hi ive just recieved my mail about secured loan on my mortgage already posted that im £3600 in arrears i was unaware that it had gone to court for order of possession so they have asked sol for warrant of possession and a eviction date they will not accept any payments just all the arrears will i be evicted or have time to…
-
Step 7, Outgoings on the online BR form
Can I just check something, I think I may have filled this in wrong!!! :confused: :confused: When completing your outgoings do you put "Your Contribution to a particular outgoing?" For example our rent is £306.28. So shoudl I put that figure or half of it as i pay 50/50 with my partner??
-
Post bankruptcy
Hi guys, Well, I went yesterday, and was officially made bankrupt. Feels kind of weird, but at the same time, you're not sure whether to laugh or cry, lol. In any case, would just like to know from you bankruptcy vets as to what happens after you're made bankrupt? - Will I need to write to the creditors and tell them my…
