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Advice needed on possible bankruptcy
ladies and gents...:confused: your help on this would be much appreciated..having read previous threads i envisage you can help me with some advice.... due to manyunforseen changes i am in this position...im a homeowner with one dependant who lives wiht his mother..her name is stil on the mortgage as i didnt think taking…
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Allied International Credit
Hi everyone, Has anyone had dealings with this company? I went BR last week and this is the first call I've ever had from them. I've never heard of Allied International Credit before. Should I call and tell them I'm BR or just leave it to the OR to contact them in due course? Got my OR interview on 23rd at 11am btw, went…
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On A Mission's road to BR - diary thread - OR interview 19/9 DONE!
Hi everyone, I've spent a lot of time on this forum the past couple of days reading up on lots of posts (thanks Scarlett for your fab diary!) and am hoping you can help. We are now seriously considering going down the bankruptcy route as we see no other way out of our financial problems at the moment. We've already tried…
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Housing Woes
I’m confused by what to do at the moment. I am now officially bankrupt, and my partner has asked me to move in with him. This will save me £150 a month in accommodation, but my current flatmate doesn’t seem to keen on having someone else live with her. She has a few problems, and is a bit emotionally vulnerable at the…
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Can finally start to get things sorted
Hi Everyone, i posted on here a couple of months ago, I had got myself into such a state to say the least and lots of you made some very helpful suggestions in regards to getting bankruptcy fees together. Well i have finally managed to get the money together :T :T I just wanted to say thanks because if it wasn't for the…
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Getting a Student Loan from SLC after Bankruptcy?
Anyone know if its possible?
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How easy was that !!!
Just got back from my court hearing, all i can say is.... how easy it was. Booked in for 9.30am, left at 10.45am..! Most of that time spent in waiting room. Seen judge which took less than 2 minutes, and even he commented how painless the event is! Chatted to OR who was very pleasant and even apologised for "not being with…
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Internet provider for recently discharged Bankrupt???
Hi all, Recently discharged from BR. My internet is provided by my employer but I think will soon be cut off. Are there any Internet providers out there that would allow for the fact that I am a discharged BR (with a 3 year BRU!)?? I don't download much at all & really only browse/use e-mail...I currently have a 1/2 meg…
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Huge Debts and CSA
Please help, I need some urgent advice... I used to earn very good money and had a good job. My wife at that time managed all the bills etc and she runs her own very successful business. When I left my wife last year, I was horrified when she told me what she had done behind my back. She had done 70k worth of debt in my…
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Discharged!!!
As of 10 minutes ago i am now discharged!!!!!:D The last 12 months have flown past. no IPA setup and have opened a saving account. Just want to say thank you to everyone on here :beer:
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Co Op Cashminder new cards
For those that like raised numbers Co Op have now changed their cards. Mines arrived today not only are the numbers flat to the card BUT the card is blue :j with a nice chip too. Not that I'm using it until after BR in September through. As will loose Nationwide account. Got accepted over phone letter arrived 5 days later…
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Equita again, Charges help please.
Hi everyone again. Yep i'm still here lol ;) Partners debt, not mine, just so you know lol Just to re-cap. Libility order for debt for council tax £212.97 which has been paid in full to the council, and libility order settled and council happy. Also council confirmed the balance was now ZERO. Bailiff fee's of £147.50 were…
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black horse/ close contact
hi guys, i have fallen behind with my hp payments on my car, with black horse, this is mentioned elsewhere so i wont repeat. today a rep from a company called close contact called at my house (he did make an appointment) i let him in as i wanted to find out the options, basically he said i could either pay off the whole…
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going BR before handing keys back ?!?
ok so my forms are filled in and im ringing the court thursday morning. im viewing the rented house also this week and i persume im right in thinkin i should sign up and move in for the 1st august ?! i have a 28 suspended repossession order on my house due to arrears arrangement so from the 1st they wont be gettin the…
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DLA and BR
Hi Everyone, Not been on for a while but would be grateful for some help! If one is awarded Disability Living Allowance,is it classed as income in BR? I am sure it has to be disclosed to the OR.Any advice would be more than welcome.:confused:
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Co-op Differed my application
So I need to wait for a decision for 4 days through the post. Is that normal? Also - why did they ask for my current bank details?
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IPA question...
Just got a letter from the OR saying i have an IPA.... However, having done some research, i believe I might not have to agree to it.. From Insolvency website... My income after tax is £1096.50 Outgoings come to £946.00 (i.e. can make payment of £50 after £100 surplus) However, I now have 2 prescriptions a month, thanks to…
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Is there only one option?
Hi there guys Some people close to me are really up against it. He has a huge amount of debt which will take him a lifetime (probably longer) to pay back. He's been advised to go BR by the debt charities. This is all down to very bad business luck, not gambling or overspending. His head has been in the sand a few times,…
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The date is booked!
The date for our bankruptcy is booked for the 4th August, our forms have arrived, I have called the CO-OP re Cashminder and have applied for the account, it has been referred but hopefully will go through! So fingers crossed. Just OH to phone them now. I am just hoping that considering I am 37 weeks pregnant the day I am…
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Going BR..NEED TO RENT..WITH PET ?!
im viweing a house tomorrow round corner from my house at moment, it is up thru a agent and states no pets. i have one dog a little staff that i wont part with. ..end of ! anyhow i have never rented in my life and unsure as to whether i wud get away with it, i work shifts so LL would have to give my notice so i can be in.…
