-
Any Help?
Ive been looking at these boards for a while and was after some advice before I take the next step.We are a family of 6 and I only work p/t and have moved away from the are so unless we find jobs in the next month we will have to claim for JSA. Anyway I have been working out budgets and I can just about afoord the min…
-
bankruptcy question
hi i wil be probably be bankrupt at the begingign of next month i have almost the fee . anyway to cut short long the story ihave some previosu rental arrears etc.... my ex-lanldord is taking me to court for for this previous rental arrears . ( my ex landlord knows that we haven;t squat to give to her ... ) can i include it…
-
House repo question
Morn all Can anyone tell me when the notice of repossesion goes in the house window do they actually put your names on it as well?. Cheers D
-
CCJs after BR?
Ive just returned from working away for a week and found 3 letters detailing impending court dates/fees etc for the debts included in my bankruptcy that occured 22nd May. I still havent heard anything from my OR either - what do i need to do with these letters/court dates? I'm a bit surprised I've recieved them to be…
-
How do we get money to go BR and how long will it take?
Hi All, My Husband and I have reviewed our situation and our only option left is to go BR. But how do we get the money together to do it? I understand that we have to pay the fees seperately, so it will be £950 for both of us to do it!! My Husband gets a month off the rent in September (he gets 13 pay days in a year, as he…
-
New here - think we are going down the BR route :(
I've been pointed in this direction as my husband and I are looking at bankruptcy. We are horrifically in debt and our income comes nowhere near meeting our outgoings now. One thing I did notice from scanning a few posts was mention about secured debts not being covered by BR. This is worrying me a lot as the bulk of our…
-
Questionaire from the OR.
Well its just over 3 months since my bankruptcy and today I had a letter in the post and from the looking at the envelope I knew where it was from:eek: Anyway on opening it I found a questionaire to fill in and return so that the OR can consider an early discharge. :j Fingers crossed things will go okay!
-
my soa is this ok?
Hi this is my SOA is this ok? thanks for looking. These are both mine and my husbands debts combined, to give an idea of our debts but we are both going bankrupt separately. It's for me my husband and my teenage daughter. :) thanks for looking! Monthly Budget SummaryAmount(£) Total monthly income £1,600 Monthly expenses…
-
CT and HB overpayments
I went BR on 22 May. On my BR forms for the court I had included my Housing Benefit and Council Tax Benefit Overpayments. The judge stamped it. The OR however was very unsure about the inclusion, she admitted she may have a guide book that is out of date!! I got a demand from the council offices on Friday. I rang them and…
-
Passport question?
Do you need to have your passport to petition for bankruptcy? I have lost mine and want to know if i have to budget for getting it replaced in order to go bankrupt. So i will need the money for the passport as well as petition... :-( I will probably have to anyway i suppose when i want to open up my cashminder account…
-
Soa
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1500 Partners monthly income after tax....... 1500 Benefits................................ 0 Other income............................ 0 Total monthly income.................... 3000 Monthly Expense Details…
-
soa help
hi, I'm filling in my SOA online and I just have a question please, where it asks about your creditors it also asks for the date you got the cards, loans etc. But the thing is I don't remember as it was so long ago. Can anyone else please tell me what they put down if they didn't know the dates. Thank you :)
-
Council tax 07/02 Bailiffs called.please help
I posted this else where on the forum, and thought i'd post it here too for help. This is related to my wife. Hi Everyone, i'm not new to the debt world, and i'm sure people will remember me on here, this question relates to my wfe. We have had a number of letters from Equita Bailiffs about a debt from 07/2002 for council…
-
new pre-pay card c/w online....
http://www.tuxedocard.co.uk/
-
Credit file clear up, some creditors not shown
I have just begun the credit file clean up and am checking my details with all three Credit ref agencies. I have just received my report from Experion and as expected it requires some clearing up. However I was very surprised that only 2 out of the five creditors included in my bankruptcy where shown on the report, meaning…
-
Chainging names for Utilities?
Hello I have a £700 debt with my utility supplier (from previous property but same supplier for current one) and want to include it in my BR. Im guessing if I do this that they will want to instaill a pre-pay meter, which i really do not want neither does the landlord. (private tennant) My mum has saud I can put the…
-
Changing my wage to go into a relatives account?
I am currently getting all the information i need (filling in forms etc) to petition for bankruptcy should be ready to take the plunge in the next 4 weeks. In the meantime i have begun missing payments on a couple of loans and thus i am now over my authorized overdraft. So i can get the funds together to pay for the BR…
-
do you get online banking with barclays cash card ?
ive got a new barclays cash card account and on the website its confusing because it sais "telephone & online banking - yes subject to registration" yet at the bottom it sais "dont choose this account if you want the convience of online banking" ive tried register on the left hand side but its only for connect/visa…
-
am i doing the right thing....
where do i start...im seriously considering bankruptcy, tho i feel guilty because i have children and dont want them to go through it... but i also feel if we are to get on a straight path this may be the right time. I own my home, but have fallen behind on payments and the bank have askd for the deeds of the house, i have…
-
co op cashminder
These might be a stupid questions but I just wanted to check. I know the co op account accepts people who are bankrupt and that any bank accounts open when you go bankrupt get frozen for a time then most banks will close the account. But if you already have the co op cashminder when you go bankrupt will they close the…
