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A tribute to one of the people who got me through my bankruptcy : (
Maybe not the place to write this but I will anyway. I have always had lots of praise for my local Citizens Advice in Workington and I have said before how much support I got for well over a year from a man called Clive Johnston. He sorted out all my Token Payments for a year and then after seeing how ill everything was…
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Turmoil
Hi all. We have been seeing a non-profit debt counsellor in Birmingham from thr Birmingham Law Centre, a very, very nice lady. We had arranged a final appointment with her on Monday to tie up loose ends etc, however she now can't see us until September. She rang us this afternoon to tell us this. We are having phone calls…
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Self employment & BR
Hi, I plan on returning back to work after being on Incapicty Benefit since may, before i went onto benefit in may (thru ill health) i was self employed. I Declared myself BR on the mid july, and now want to get back to work. I dont need any outlay (i just charge labour) and i will have to use my cashminder account for…
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My cccs expenditure proir to BR.
If you can have a look at this for us guys prior to my interview, this was compiled with the cccs for poss dmp. This is for the two of us as a couple. Mortgage £850 Water £30 Council tax £130 Water £30 Gas £45 Electric £45 Building and contents ins £35 Telephone/mobile/net £60 TV £12 Boiler contract £25 Vehicle finance…
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Rec paper work from OR.....
Hi guys Recieved my paper work today from the OR, i was expecting another expenditure sheet to be enclosed as the one with my statement of affairs is very basic compared to the cccs expenditure sheet? Any ideas? :confused: Do i just use the cccs one in my interview? I am going to post this so you guys can have a look and…
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Sygma Bank and CC Claim Form - help please
I became BR on 11th June and I wrote to my creditors very quickly advising them of the court name and case number and the OR's address. My name was on the insolvency register within 24 hours. I think my OR has written to creditors now as several have come back notifying me that Eversheds are representing them and I am not…
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At the point of IVA but an accident has changed things. Any advice welcome.
Hi All, I am new to this site but have been but have been reading posts of advice for a while. Please can anyone offer advice? My husband and I were just in the final stages of IVA (Joint 110K) , meeting was set for 11/08/08. Just over a week ago I was involved in a bad car accident, (not my fault) a young lad overtook 3…
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Connaught Collections - is this for real?
Hi hope someone over here can help. I am not considering bankruptcy as with CCCS Quick question - i am on a 'Low Start DMP' with CCCS because I only just have enough to make more than token payments. There is a DCA who write to me demanding payment for a debt I have never heard of. They have never proven the debt. They…
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What happens on discharge?
Was just wondering what happens when you are about to be discharged, either automatic or early? Does the OR credit check you or anything like that before you are given discharge? I only ask because we now have a chunk of money currently about £2k that is not needed for household bills etc (mostly becasue we havent been…
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Hire purchase and bankruptcy
Has anyone had a tv on HP then gone bankrupt? I've read that sometimes they will let you carrying on paying for HP things but would they see a tv as a necessity. I think it is as I only work 2 days a week and I would be incredibly bored without it. Also I've already paid over a third of it so they would have to take me to…
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Property question
If I declare myself bankrupt and there is no equity in my house what is the likelihood it will be taken off me. how likely will it be my creditors will apply charging orders (i owe 20k)? thanks
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bankruptcy and my home
i have lived with my partner for 10 years in her house she pays the mortgage and all utility bills my name is not on the deeds i pay her a weekly sum. if i decide to petition for bankruptcy will my partners house or part of it be considered an asset of mine
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few question regarding my upcomming OR meeting
i have my OR meeting next week and i just received the form to fill in fro this phone interview .... however they ask me to send the following : - my last 3 wages slip : i started work 2 month agos so only have 2 and theyr are with the county court as i asked a refund for the county fee BR fee i told them or wait the…
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DFD Help!!!!!!
Hi again all Im having a bit of a time of it with DFD, as in my previous posts i have an IVA with them that was started in Nov 07. Quickly realized it was misssold and after talking to NDL and reading on this site BR is our only option. Any way we have missed 4 payments now, filled out our BR forms but our court needs a…
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2 hours and 40 mins to BR!
The day is finally here. In 2 hours and 40 minutes I have my court appointment. If any1 has any last words of advice (or just some kind words to make me feel better) I'd love to hear them.
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CO OP Cashminder Account - All is not Lost!
Hi All, Similar to a number of other posters i have the co op cash minder account and have received a letter saying they are closing my account as i have had a number of direct debits returned. Having trawled the forums and internet it seems that i had only one other choice - barclays and that would not be guaranteed. I…
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HELP!! Joint debt, Single Bankruptcy.
Hi All, I finally declared myself bankrupt in March having battled with rising debt for the last few years.:j On filing for bankruptcy i realised i had left some accounts in joint names - overdraft, loan and a credit card.:eek: My wife was obviously delighted with the thought that she to will have to go bankrupt also (it's…
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Will OR allow more rent?
Hello from a regular lurker. Discharged last month and paying a pretty hefty IPA. Currently rent from a housing association - cheap rent but horrible area! Looking to rent privately but would at least double the rent. Would the OR allow this extra expenditure? Not looking to rent a mansion, just a reasonable house in a…
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living with BR
Hi I Just wanted to know is there anyone on here who has been bankrupt for 5 years or more does the fact that you have been bankrupt still affect you have you been able to get credit again even a mortgage I guess I am just looking for a light at the end of the tunnel
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BR & Going to live abroad
Hi All Quickie question a friend of mine is £35k in debt and is planning on going BR. She wants to quit her job next March and go and live out in the Algarve for 6-9mths...she wants to know would going BR have any implications on her going to start fresh next year? Thanks, Cheeky
