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The Deed is Done
Debbs Bristol Saga today Here we go 06:45 Got up after laying awake for hours 07:30 Breakfast - it didn't stay down long :( 08:05 Set off to court 08:40 Arrived at court (not much traffic - strange) Long wait, sat with scruffy man with paint on clothes :( 09:05 Clerk Arrived - ticked our names off 09:30 Office opened…
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MollyBear's Debt Disaster Diary
Our BR Diary Tuesday 6th May 2008 Rang Citizens Advice (CAB) to make an appointment for a Debt Management Plan (DMP). Was told to just ‘drop in’ anytime to see someone...easier than I thought! Wednesday 7th May 2008 Decided to go up this morning straight from dropping the kids off at school, this way only had baby (ds4) to…
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Discharged...but old debts resurfaced?
HI there, i as declared bankrupt last may but discharged this may. However i have just had a long argument with Southern Water who are trying to get me to pay £120 that they say i owed them from BEFORE i went bankrupt. When i went bankrupt i did say to my OR that there were probably debts that i had forgotton about or not…
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Contents Insurance protocol!
I have found since being becoming a bankrupt and even now that I'm now discharged from bankruptcy, that insurance many companies ask the question on their application forms, have you ever been a bankrupt or a discharged bankrupt. Question: What is the insurance companies slant on this, would they refuse contents insurance…
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CCJ for less than £650. Can they do it?
Hi, Can anyone help with this problem? My wife has received a claim for less then £650 for services. She is in dispute as they were were shoddy and not worth half that amount. actually the bill was for £500 but they had bumped it up with extra "costs". She has no intention of paying the full amount for the reasons above.…
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MollyBear's I&E / SOA
Hi, could you all have a look over my I&E please? We are seeing the CAB woman on 2nd July to fill in the BR forms, she said it would help if we do our own I&E before we go to save some time later on. We could do with some advice and any tips :D This is our first attempt, so please help!! Household: 2 adults, 5 kids. (Ages…
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Virgin Media
Hi, I wonder if anyone can help me. I'm moving house and want to get virgin media installed. I'm 21 days away from being discharged and wondered if i will have any problems getting a contract with them? Would i have to pay a deposit? If anyone has any info that would be great :) Cheers
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Cheque Cashing Companies
Hi, I wondered if anyone had any experiences and recomendations for the best deals from cheque cashing companies? My oh who is br needs to cash a cheque and doesn't have a bank account and the co refused to write it in my name. We need the money sooner rather than later. Any advice appreciated as always.
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discharge date
Hey...Its my automatic discharge date tomorrow!!!! yeehaa! Can't believe a year has gone so quick and only herad from OR 3 times, nothing for last 6 months...just notified them of changes here and there. Not sure what to expect thought I would have had a letter-no mention of IPA or anything so keeping my fingers crossed. I…
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I can keep car!!! yeah
Appealed.........I can keep the car.:T :T :T The OR receiver initially said it had to go because I have not worked for 2years, but reason for this is I Home Educate. Car is needed for educational purposes & I am rural. I had to send off appeal letter, bus timetable & a letter was requested from my Home Education Officer.…
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Losing sleep counting sheep! And still no money!
:(Can anyone help me please I feel so lonely and at a very low point in my life. Sorry this may take a while. I live with my partner and our 3 year old and my partner works full time and I work three days a week part time. Child care is so expensive that I have no option but to work part time which is annoying as I was on…
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OR Interview - Have survived too
Getting nervous! Have supplied a ton of stuff. What is the absolute worst they can do? I know about IPAs and BROs but is there anything else?? Interview on Friday.
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BR annulment
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Frozen bank accounts?
Well I went BR yesterday, and when I spoke to the OR's secretary she told me that she wouldn't be freezing my co-op account as the money I need to live on goes in. But! I've got a seperate account with the yorkshire building society that has my child ben and tax credits going into it. (I've just never got round to changing…
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BR or IVA?
i have 25k debt, loan and cred card, only take home around £1000 a month gone back to parents 140 child maintainance run a van for work not sure whether BR or IVA iam going to see one of the organisations listed just want some tips, thanks.
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House advice please, im going BR!!!!!
Hi guys, Just got off the phone with CCCS, they have been great, the outcome of all my meetings are BR. The only thing im worried about is my house. On paper my house is worth £160000, i own £150000. Im paying interest only too. With the current housing climate, i dont think i would get £160000 for the house as they are…
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Little bit of Advice please
Hi ,, Basicly my dad is currently in abit of bother money wise. Mainly credit cards and a loan. The one thing he has kept on top off is his mortgage , though now he is considering bankruptcy due to the pressure of struggling to keep on top of all his debt. The House is in both my parents name , though my mother dosent…
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Help please filling out section 4,petition
Hello a friend (honest!) is in big trouble and currently filling out the bankruptcy petition forms. Referring to section 4 list of secured creditors He has three items A mortgage co for his joint home A company which has a secured loan against the house A credit card co which has secured a charge against the house Now then…
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co op account
hi all, just want to say i have a cashminder acc even though i owe them over 8000 on my gold card acc. and been made BR 3 weeks ago. dont think ive done too bad, so dont despair try the co op.. i did come clean about BR but still got one. regards skint
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Thinking of BR... HELP!
Hi all New to the forum but have been reading some of the threads for a while now. My ex and I split in January 2007. In total owe approx 54k in unsecured debt. Since April 2007, I have been on DMP with Spencer Hayes but only paying approx £105.00 a month to it. Ex granted IVA but I advised did not earn enough for IVA. Was…