Bankruptcy & living with it

Archives for June 2008

bankruptcy and british gas help
hello i have finally plucked up the courage to post after many weeks of reading the forum,i have never posted on any forum before so please be kind!! I have finally made the decision to go bankrupt after speaking with national debtline and finally raising my head from the sand and realising that a miracle is not going to…
Advice re bankrupt receiving injury compensation payment
I am currently 18 months into an IVA of debts accumulated from before I met my husband or had kids. I am a full time mum at the moment and my only income is child tax/benefit. We are struggling as a family to afford to keep paying for the IVA out of my husbands wages (it is soley in my name) and I would like to go…
wake me up at teatime....
OMG it doesnt bode well for Tuesday....
What a terrible week Ive had, Firstly there was a mad rush to get my Parrot to the Specialist Avian Vet on Monday, 100 mile round trip, my poor parrot died on Wednesday!!!! Very Very Sad for me and my partner, and were still gutted. Lost my best mate :cry: :cry: :cry: :cry: :cry: :cry: :cry: :cry: This morning I go to…
Still not heard about house!!!!
We have still not had a letter from the OR about our house. There is no equity in it unless they want to sell it for Market price in which case there may possibly be 20k or more. Thankfully the house is in ill state of repair - the Roof is now leaking into two bedrooms. Insurance will pay for it all to be repaired - our…
we need a morale boost on this forum
MORN FOLKS Just wanted to say that since the departure of some of the very respected members of this forum,it seems to have taken a nose dive. I for one felt a great loss and dissapointment at them leaving and just hope that some day they feel able to return and give this forum the benefit of their knowledge. I have…
How long before we are repossessed?
On the advice of an insolvency expert, we have stopped paying our mortgage (NR) and a secured loan (First Plus) in preparation for going BR. We have sorted out 6 months rent in advance now and will be moving soonish, but I'm wondering how long it's likely to be before either NR or FP get us evicted. Basically, my DH is…
What happened to Mike St Helens Bankruptcy Supporters Club Website? Where has it gone
Found!!!!!!
On benefits and need help to go bankrupt
Hello, My partner and I we have so many debts and can't afford to pay them and now feel the only way is to go bankrupt....the problem is we can't even afford to pay to go bankrupt as we are currently in receipt of benefits. Do you know if we can get help from anywhere? Also we owe 2 years back payments of council tax, will…
Anyone want to give a opinion?
I do some work in the community and mentioned that last year my father in law went bankrucpt and they tried it on with over the top demands for IPA. We one of the other workers referred me to an lady of nearly 80, (he actually is there to care for the daughter who is not at all well and doesnt seem to be of sound mind…
I have a few questions can any one help??
Hi everyone Can anyone help with a few questions i have? I went BR 24/06/08 and my phone call from OR is 22/07/08 Q1 What happens with work do they find out i was told that they would take my tax for a year? does it come straight out of my wages? Q2 they have asked for 1 years worth of bank statments and wage slips but i…
Question about BC costs
Hi again, Not been on much due to being off colour(if your allowed to say that *Hides from PC Brigade* :rotfl:.) I cant seem to find a definitive answer to the costs of going BC and I need to know how much moola to take to court with me. OR Costs are ???? Court Costs are ???? Probably get Court Costs waivered but Ill take…
Claiming money from a bankrupt company?
hi, not sure if this is in the right section, so sorry if it's not! just wondering if anyone can give me advice on this. a few months ago we had a garage converted into a bedroom but the builder finished the job, we paid him, but when the building inspector came he found problems with it. when we asked the builder to come…
Sell House and rent Back ?
Went BR back in Late March , everything was going well and it all went went quiet ! Have recently had contact from OR that our mort payments and SL are too high and rent would be less etc... Subsequentley we have got to rent or stay put but either way have an IPA of £282 per Month. OH does not want to move nor is she BR ,…
you couldnt make it up....
my mates wife died january this year, in the first week.... last week, finally, the mortgage insurers conceded they were paying up! the lenders returned £600 interest that he shouldnt have had to pay the sting is that the redemption fee "for early settlement.....", is................almost the same as what hes owed by way…
What (not) to wear?
I know I'm asking for this - can already imagine some of the suggestions Max and Dave will come up with - but what should I wear to court on Monday? A suit? Smart-casual? School-run jeans? Diamonds and furs? (As if.) A wink and a grin? Lily
HMRC Letter to Employer
Any ideas what this is about? I open all the post at work and yesterday we received a letter from HMRC to our wages dept., saying they were reviewing my file and wanted them to confirm how much tax I had paid from 6 April 07 to 27 Mar 08 (BR date) and from 6 April 08 to present. Surely HMRC know how much tax I've…
HMRC and BANKRUPTCY
Hi Again, Im just wondering if anyone has any experience of the length of time it takes for the wonderful HMRC to petition for BR? I cant afford the 12,000 we owe them (9,000 was due in JAN, and 3,000 JUL 08) I have paid anything since FEB. I have had the letter warning of distraint but nothing since.( i replied offering…
Credit check - Surely this is illegal??
Hi We went BR a month back giving up our house under voluntary repo and moving into rented. We haven't told any of our creditors our new address. We knew that the OR would be writing to them and in turn we have been getting our post via the redirected mail service. Interestingly enough this week, a letter was sent to our…
Last minute I+E
Hello folks, Hopefully you'll all be toasting Dave right now, or even your good selves. But if any of you still has a head for figures, please cast your eyes at this. OH and I are deep in to the forms right now. Since both of us are going up before the judge on Monday, and since our division of the spoils is ridiculously…

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Bankruptcy & living with it

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