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More questions
I posted here last week about our debts and I would like to thank you for all your help,anyway back to my point.I spoke to my dh and he agreed that our debts are getting silly now. So last night we phoned cccs and they were very helpful are going to phone back in 2 weeks for a proper look at everything now I wonder if you…
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New questions re BR
I'm back with more questions! -If you pay to go BR, and you have no assets (unless they take one of the cars we have) do your creditors only receive what you can afford every month over the year until you are discharged? -Beyond being discharged, are the debts gone and the creditors won't be back in x amount of years to…
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seeing debt counsellor but now its got tricky...
ok got through and seing debt counsellor on tuesday .going for br (previous post, gonna lose house etc so going br)....but what a pickl... ok years ago i sold on ebay... clothes etc......then after having my 3rd child i dcided i would sell my hobby on ebay whilst bing at home oct 07 so i reg as self employed.... it was…
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Car question
Right a friend of a friend of a friend i know has just gone BR and has had their car exempted. now they asked me to ask on here about this. now the car is exempted if they sell the car and buy another of the same or similar value then this is ok, but if they sell the car and put the money towards a more expensive car that…
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quick volo repo question :)
We are giving up the house as voluntary repossession, but plan to move out before going BR, but after reading Scarlett's post (on my diary thread) saying she did the same but wished she'd stayed in until they repossessed it got me wondering... If we stay in the house and go BR, and let the house go to volo repo, what…
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Helping a friend - advice please
Hello All, I am a first time poster but a long term lurker on MSE. However I am new to the bankruptcy bit (so please be gentle!). A friend of mine has just told me he is going bankrupt in July. I knew he had money troubles but had no idea to what extend or how much was/is owed. I am really worried they are jumping into…
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Bankruptcy Advice
Hi, my partner and I are having to look at bankruptcy to clear personal debts and rent arrears due to our business failing. My question is; are we able to include our rent arrears and the claimant's solicitors costs? Any advice would be much appreciated. Thanks.
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Help or advice needed please
I wonder if anybody has any advice for me. My situation has been caused by a number of factors, rising property caused my risk averse appetite to wain in 2000 (before that we had no credit whatsoever, not even an overdraft) when we bought our home and I decided that I would play the stock market with the equity in our home…
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not to sure where to post this debt recovery
Ive been contacted today by a debt recovery acting for bulldog broadband, basically i only had it for 2 months and then we agreed to cancel this was back in 2005, luckily i have kept all my correspondance. Basically i have an email saying they were going to cancel my account and was going to reconnect me to my own service…
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need advice on property in bankruptcy
hi all bankrupt on 26/02/08 just had letter from the OR that they have no interest in my property due to their being no interest left in it house. so i have paid the £211 fee to the OR sols to get the restriction removed from the land registry can anybody tell me how long this process takes and should i receive…
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Sorry not been around - IPA
Good evening to you all :D Just received my IPA back from OR asking for......£55 per month, i worked out that i'd have about £80 spare each month, so not going to argue with that one. so looks like i have a nice OR as they have allowed pretty much all that i put on the I&E form; looks like they have only reduced a couple…
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Advice on SOA please
Okay, so my parents aren't going bankrupt at the moment... However my brother is (what a family we are.) He's given me the following SOA and asked me for advice/to check it over. He works full time, his fiance is a stay at home mum, they have a 15 month old baby, and another one due in February 09. His fiance also has two…
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Started new job-
Need to let OR know I have started a new job - what will he want to know when I call - Thanks guys
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Can I be self-employed and br?
Hi All, My Hubby and I are filing for BR, but I have just sent off the forms to become registered as a child-minder. That would mean that technically I will be self-employed. Are you allowed to be self-employed if you are br and if so are there any restrictions / things I need to know about? Thanks, Flis
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cashback credit card
first time user, not sure how it works my question is I am about to pay off a loan £7000 which I have, could I get a cash back credit card and use it to my advantage or would I be way above my limit
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Looking At Proceeding With Iva With Cccs
I've had my first telephone appointment with advisor who recommended IVA over BR.....have recieved pack....but unfortunately have had to rearrange next telephone appointment originally for tomorrow to next Wednesday....I have a few questions to ask advisor next week before proceeding, does anyone have any suggestions…
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Captain Slog: Stardate 260608
CAPTAIN SLOG: STARDATE 260608 Earthlings, News has spread across the galaxies of your current TROLL infestation. These creatures are known to us however we have so far not had the displeasure of there company.These nasty creatures are very distant relations of the KLINGONS in respect that they share similar genes and have…
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how long before insolvency website says "dishcarged"
Hey guys got 4 weeks to the day till auto discharge! does it show up the day that you are discharged or is there a slight delay..... Another matter is i haven't recieved an Ipa yet, does anyone think it is leaving it a bit late for them to implement it or can they come after you after discharge? I also read somewere that…
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New to forum, need advice pls
Hello I have posted in DFW today but wondered if I would get a quicker response here. Quick background, me and dp both work, I work pt as we have 2 children, our debts total around 25-30k and we're doing a DMP with CCCS for 20k of it (the rest was accumulated after starting DMP). I've now told them this and have received…
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Repossesion hearing
Hi Everybody, I have just had a letter with regards a repossesion hearing. I do not live in the property anymore and am happy for it to be repossesed. Do i need to the respond to the claim or can i just ignore it and let the legal process take its course? Phil