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Help out at a Credit Union would i be allowed
Just sorting my forms with CAB for BR Aug/Sept Crewe court is so busy till then. I help at my local Credit union 3 hours a week, just putting leaflet packs together and giving them out. Don't mess with the money side. (Helping there helps with my panic attacks and makes me get out of house). Anyone know if I would be able…
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It's happening, really happening!
Hi all, I normally post on the DFW board but have crept over to you guys as I have just had a pre-bankruptcy phone call from my debt management charity - CAP - it was 1 hr and 4 mins long and left me feeling sick and trying so very hard not to cry. Some of you may know of my difficulties late last year and early this year…
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IPA v IVA, amounts paid
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What Now
Hi all, Been reading over this site for a few months now and it's brilliant. My wife and I have just decided after speeking to various organisations etc to go bankrupt:confused: I will continue the "diary" and any answers,advice etc will be most welcome.
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Working as a contractor through an umbrella company
Hi Everyone, I've been BR for a week now after finally taking all the advice available to me and reading the views posted on this forum. I'd like to thank you all for being so open with your views and advice it has helped a great deal reading how other people have coped. I'm currently out of work though shortly will have a…
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Even more questions
hello again I'm trying to fill the forms in online, Where it asks for date of debt on unsecured creditors what do most people put? It asks for an exact date (day, month, year) I have been putting down when I took the cards out but not sure if thats the correct thing to put. I'v got Barclay card and my store cards because…
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Thinking about BR
Hi All I was made unemployed through no fault of my own three months ago, i was giving £4.5K redundancy of which £2400 is left after living expenses, interview, travel, rent, etc. As I am still living at home she has the remainder of my redundancy in her account as she thought i would spent it which was good advice. I have…
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Just got off phone with CCCS......
...Yep go bankrupt was there advice, they were very nice and helped me do some little tweaks to my I and E, so that it shows that my creditors are the reason to go BC and that there wasnt a massive shortfall in my I&E that it looks like general living has got me in this mess (which it hasn't). So....I finalised my online…
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Can someone answer these questions please???
I've not been on for ages, and things are all still up in the air, I'm planining on writing a BR diary on here when I get the chance! Just wondering if someone coul answer a few questions for me? I could ask the CAB lady but it's almost impossible to get in touch with her! :mad: And seeing as you lot have actually gone…
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Quick question
Hi My house, which I do not live in, will be repossesed shortly. Am i responsible for any legal fees or shortfalls e.t.c ? Regards Phil
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End of my tether - advice please
Hi guys, Am at the end of my rope. Have been trying to help my OH get prepared for bankruptcy for about 6 weeks now. Thought we were nearly there but he has now cocked everything up. He cashed in an insurance policy, worth approx £500, to obtain bankruptcy fees. He has just set up a new co-op account, I told him to give…
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Well thats a relief!
I can't find the original thread, but whoever it was that pointed me in the direction of the MS Society for a bankruptcy grant to pay the court fees - may I say a BIG THANK YOU!! I didn't think they were even going to reply .................. but have recieved the "YES" letter this morning. Now, I can return the DWP crisis…
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Could you cast your eyes over this before I print it off
I am filling the forms in online hopefully to make the BR process easier!! So just wondered if you could glance over this before I submit it to them :rolleyes: (I know I'm going to lose the car - you never know how much it costs till you see it in black and white - its only worth £400 and needs work anyway :rotfl:) Income:…
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Hi! I'm still alive!
:D All went fine :) Sorry I never got back yesterday, We met up with my sis in law and she bought a bottle of wine so I had a glass 1or 3 ;) Anyway we got there at 8.30, got in at 9. A lovely lady checked our forms all was ok, (thanks to you lovely people as I wouldn't have had a clue) we went to a waiting room and I…
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Declaring self-employed income for SOA purposes - bit of a ramble
Can anyone give me a bit of advice regarding the amount of income that we need to put down on a SOA? I'm waiting to speak to one of the debt helplines but I'm trying to sort out as much as I can in the meantime, to tweek after professional advice! DH is self employed and until recently, worked constantly (and has done…
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Advice on bankruptcy please.
Hi all :D I dont venture in here very often but my mum and step dad are in a dire situation at the mo and I need lots of advice. It's a long story but Ill try and condence as much as, roll back 18 months: Mum earning approx £36k SD earning approx £30K Mum loses job and ends up temping on half her wage SD suffers a stroke…
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House rental cost on SOA
We are still in the very early stages of sorting out our BR but we are planning on formally renting a family member's home and they will be renting elsewhere. My query here is, we *could* rent a property for less than we are paying this person, but we aren't talking hundreds of pounds difference. The main reason we have…
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Is Bankruptcy my best move???
Hi, as with everyone on here I am after some advice. I am a homeowner of a property which is more than likely in negative equity, I say more than likely as a flat a few floors above is up for sale at 97K and hasn't sold(it is in poor condition) where as I owe 111k on mine. It may break even but I also have a secured loan…
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I Survived Too THANK YOU FOR ALL YOUR SUPPORT
Hi everyone I would like to start of with a BIG THANK YOU TO ALL OF YOU :j if i had not put a post on the forum i would still be waiting for my house to sell so i could go BR (for people who have not read any of my other posts without this forum i was given the advice that i could not go BR till my house was sold which…
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Statement of Affairs - All advice welcome....my heads in a spin!
So today is my second day on this forum and trying to sort out my debts, can i say thanks to everyone who replied to my post yesterday. Well i have filled in my statement of Affiars as best i could, I dont tend to keep bills and all my gas,electric etc has been paid off on my card as soon as they come in so im not actually…
