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Bad credit loans
Are there any loan companies out there who give loans to people with a bad credit rating, i dont have a mortgage and im looking for a company that dont need you to sequestrate/bankrupt. I was self employed and managed to cover the monthly payments of myself and my partner but now im going into employment again and wont…
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I'd like to thank..
..all of you who have been so lovely, supportive and helpful. Whatever posters such as southernbuoy might think, i have found this forum to be a huge plus from the start. Even for someone like me, who lurks, but isn't one of the most regular posters, whenever i have had a comment or question, the response has been great,…
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Sticky Situation - Advice Really Appreciated !!!!
Hi All, I am new to this forum and have just started to consider my options and was wondering as to whether anyone would be kind enough to offer me some advice as to the best course of action. I started my own business in 2003 and it took off very quickly, the business continued to grow until early 2007 by which time the…
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Help with a form
Hi, hope somebody can help me with this; my Brother is going Bankrupt and has asked me to get him some forms from the Court, he is unable to get them himself due to ill-health. The problem is I don't know what forms to ask for [think they are numbered forms :confused: ] Don't want to go to Court and ask for the wrong forms.
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OR interview what is it like ?
hi i was made bankrutp last friday i have talki to an OR for 5-10 minute s over the phone they told me i should receive a form to fill inand then send it back to them . anyhow i am still waiting toknwo who is goign to be my OR . hpow do we have to wait ? how an Or interview is conducted ? what kind of question do they ask…
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OR interview - the verdict..
Seemed to go ok. I think i largely avoided waffle and the woman who interviewed me was really nice. Obviously going through the whys and wherefores of all my debts made me feel like abit of a loser but at least it being over the phone rather than face to face lessened the embarrasment slightly. I guess that's the worst of…
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Gone BR, questions on accounts/discharge
Hi all, Went BR on 11th July 2008 after much wrangling. It is a relief i have to say that i have finally done it. OR interview was fine. Really nice, no IPA, car exempt, allowed to keep bank account. I have one question though. I have allowances on SOA for holiday, road tax, servicing etc. Am i allowed to save this up in…
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Should i go Bankrupt
Can anyone help me, after splitting with the wife etc etc i had to close my business and now am unemployed, i have been left with about £12,000 debt and a vehicle on hp for about £10,000 still owing. I went to CAB and they advised to make arrangments with creditors. The first bank came back and said they would reduce…
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OR interview in 10 minutes!!
i've got butterflies....The person i spoke to straight after i went BR last monday was lovely, i hope that it's the same today..Better go and shut my window so that the builders next door can't hear every word..
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How to save for rental property when paying a mortgage???
Hi everyone, Basically the title says it all, we currently pay a mortgage but its a lot of money and we are considering renting but how on earth can we do this when we pay the mortgage? We are assuming its highly likely that we will have to pay 6 months up front due to the BR and there is no way we can save that aswell as…
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Probably a silly question about direct debits`
Hi all, I was just wondering if there is any bank which lets a bankrupt have direct debits or standing orders coming out of the account. My bank have taken 8 weeks to realise I'm bankrupt (despite me telling them on the day) and have terminated the direct debit and standing order facilities. If it's the case that I can;t…
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Increase in wages
Hiya all! Haven't been around much - I've started a new job and its incredibly busy. O.K. so I have a dilemma - so far this year I have had a wage increase in April, May, June. I am due another increase in August and another increase in September. That will be it for a while after that but I was wondering....when should I…
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Can a house sale be forced?
Hi to all the good people on here.Im in BR and the only stumbling block is my house.My Trustee has calculated,based on a house valuation that there will be no proceeds from selling my house to any creditors after all the OR,DTI,agents fees etc etc. Seeing as the creditors will not benefit from a house sale,will the trustee…
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Is this normal after BR?
Hi everyone, I've been BR since 8th of this month and I wondered if this is normal.. I'm still receiving the usual amount of creditor phone calls and letters, defaults with very current dates on etc, solicitors for those companies writing letters. Not yet been in the paper (I've bought it for the last 2 weeks to check!!)…
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BR day approaching
My first proper post I have completed my petition & filled in my SOA, I am solvent (£50) a month do you think the judge would throw my case out, I know this might sound silly will I be asked to sit in front of the judge & do a question & answer session & try explain how I got myself into this financial situation, Any info…
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BRU question
I went bankrupt a year ago, there was a lot of gambling involved, and i agreed to a 5 year BR order. What i want to know is, i will be discharged in August 2008, but the BRU will remain in place. Im currently unemployed so no IPA , what happens when i get a job after the 1 year bankruptcy ends? will the OR be due any of my…
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Advise about inheritance after BR?
Hi Everyone, Just wondering if anyone can tell what i should do if i receive some inheritance after BR? and, do you have to phone the court and book the day or can you just turn up? planning to do the dead on 8/8/08??? Thanks all Hally x
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my car on hp loan reposession
hi, i have posted earlier but need to ask a new question, my car is close to being reposessed by black horse, i cannot pay off the full amount. the only other alternative is me offering them a lower repayment if they get a court order for reposession. this means they can have the car back and i will still owe the balance.…
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in a bit of a mess - please help
Hi I'm new to posting on this board, but do pop in from time to time to see how you cope with being BR. A little about our situation: My partner and I have been trying to sell our house since Feb. Offer made and accepted in April and we were due to exchange in the next couple of weeks, but (to cut a long story short) the…
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Post OR Phone Call - Need to do Letter, advice please!
As some of you may know, I had a bit of a mare of an OR phone call. I was so embarrassed at all my debts, I wasn't prepared for the indepth grilling I got, and kept saying some of the money I borrowed was to pay off loans for OH. He then asked me if I had remortgaged, I said I had, 3 times. I was embarrassed again, so said…
