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Oohh could be in trouble here
I first posted a couple of weeks ago and someone very kindly pointed me in the direction of the MS Society so that I could apply for a grant to pay the bankruptsy fees. Last week I also decided to apply for a crisis loan:rolleyes: . I told a fib and said it was for something else. The DWP have said I can have the crisis…
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Paying off IVA
Hi all I need some advice, at present we are paying off an IVA at £698 per month which ends in 2011 at which time we have to remortgage for another £45000 to complete the IVA plus we pay our mortgage of £49000 at £610 per month that ends in 2014, the IVA company (Synergi) have said that they would accept £73000 as a…
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Beware Of Duplicate Usernames
Hi All, As you will know I have been posting on here and dfw for some time now. I have made many friends and am probably known to most on here. I was really surprised to find another poster had posted with the same name " in the brown stuff" only where mine is spelt with some capitals ITBS theirs is all in lower case. This…
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Bristol bankruptcy
I really need advice. Firstly i am 24 years old with a debt of approx 15k that i have had since i was 18. i have tried so hard each month to get together the bankrupt fee but never manage it and cant borrow off anybody as i donr want them to know. How do i get my hands on the 495 pounds? advice please! Also will the OR…
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Bank Account or Pre-Payment Cards
If I open a pre-payment card before BR will the OR freeze too?
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Automatic Discharge Date... tomorrow...
Finally it has been a year since I went to court and did the deed... and so glad I am that I did! How fast its gone by! My automatic discharge date is June 18th.. TOMORROW!!! And I am very excited... I would like to know what the deal is now? What happen's? Do I need to chase any one up from proof of release from BR etc???…
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The worrying
I worried about the debt, the letters & phone calls. I then worried about the looming bankruptcy date. Then the worry of the OR interview...which I never had. I am now worried about the OR examiners findings. Now worrying about whether I will get an BRO (which I'm pretty sure I will). Does the worrying ever stop?
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Got Appointment With Cccs Re Iva
I've got a telephone appointment with a subsidary of CCCS on Friday re., IVA..[ trying to weigh up my option..IVA or BR ]....have to have last payslip to hand and list of I&E...has anyone had any experience of this...said telephone appointment will take about 45 minutes..????
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Bankcupt today! Need a bank account not Barclays or Co- Op
Hi Well I did it this morning. I havent got a great sense of relief yet though I think thats because Ive had a couple of years of worrying about money and reality hasnt sunk in.The process at court was staightforward. I didnt see a judge - he read through my application and agreed it without seeing me. I just wished that…
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My SOA...Your thoughts appreciated
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 2072.17 Partners monthly income after tax....... 550 Benefits................................ 0 Other income............................ 114.99 Total monthly income.................... 2737.16 Monthly Expense…
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File for Bankruptcy now or later???
Hey all, Just wondering if I can get some advice from some people in the know!! I'm not sure when to file for bankruptcy, or if I should just wait for my creditors to start the ball rolling in my absence. I know BR is the only way I can sort out my debts as at the end of the month I will have no job and no regular income.…
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I have made my court date now what do I need to do
I have made my court date which is the 7th of July at 9am :eek: I feel dreadfull but I know I need to get it over with as soon as possible, my mental state is not good at the moment it's a bad week for me anyway because of other reasons and memories but I'm also a nervous wreak at the moment everytime the phone rings or…
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official receiver training? anyone got any ideas?
Hi Guys. For quite some time now I have been working as a mortgage advisor and am really coming to the end of my tether with it. I am in financial shtook also and am fed up with the "have i earnt enough commission this month" mentality i have to adopt. So, anyway, The position of official receiver is a job that i think due…
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what happens if ........
what happens if you cant afford the money to go bankrupt yourself i have over 27000 in debt im in a iva but cant keep the payments up as i lost my job will they declare me bankrupt will i have to pay? ive no spare money i possess nothing just living day to day am i likely to go to prison im so confused
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Bankruptcy & Housing
Hi all, We're just about to go BR and lose the house, so I thought I'd ask all you lovely people a few questions and find out the best way forward. I'm thinking that the best thing to do would be to move now while we still have some choice in the matter and a little extra cash for the deposit and essentials such as a…
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Problems with IVAs
HI all. Unfortunately for some time now we have been taking and continue to take enquires from clients with regards to problems with their IVAs. Some of the enquires we have received are the result of our clients receiving letters from organisations who have obtained their details from the Insolvency Service register. From…
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how do you budget post BR
So here i am post BR and desprate to get a budget up and run, one that i can stick to! How have you guys managed it? i don't have that money thing on my computer and wouldn't know where to start on an excel sheet! is there anywhere that has downloadable spread sheets that i can amend to fit my incomings and out goings?! i…
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is it ok to get a loan to pay for BR?
i just wondered what the OR would think to getting a loan to pay for BR? obviously an unsecured one? I can get a loan to buy myself a cheap car and pay for the BR but will this be ok ?
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Life after Bankruptcy
Well we are now 7 months on from OH going bankrupt and i thought it may be helpful to give an update. Going B/C was the hardest decision my OH and the family had to make, it took years of struggling and trying ways to deal with our problems ourselves and our marriage to be on the rocks before we seriously looked at it as…
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Credit cards: will they write off debts?
What are the chances of the credit card moguls writing off my debts? Has this happened to anyone? Is it better to ask them to write off debts at the offset, or start with the "nominal payment" letter offering £1 a month repayments? Advice welcome please.:confused: PS: And no, I can't make the mimimal payments anymore; they…
