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Looks like Bankruptcy... a few questions
Reposted (was in wrong forum last time. Sorry). Hi folks, my situation is pretty dire and it looks like I'll have no option but to go bankrupt. I owe about £60k in loans and another £50k in credit cards (you see, there's always someone worse off, and it's me!). I owe the taxman £10k and there will be another £35k due in 6…
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Soa
My oh went bankrupt in October last year and received another expenditure form to be completed. After finding out we had made a complete mess of this (we only put my oh's share of the bills down) we have received another form to fill out. I wondered if you could just run your eyes over this and let me know what you think.…
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Edit - Had OR Interview Thurs at 9am
Hi folks, sorry not been around much. Came down with something for a few days, probably the release of all that built up tension leading up to BR! Anyway, sent all my stuff off by Special Delivery...I know, that cost me a bit but the post round here is so unreliable, didn't want it going missing. Anyway, went to the Post…
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Ad
Hi all Well I am on the home stretch to AD with less than 4 weeks to go. Just wondered what the process was if any. Is there usually any contact from the OR/IP prior to AD? Any paper work? All matters concerning my assests (Car/house/shares) have been resolved and I received everything confirmed in writing some time back.…
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CapQuest sent me forms for Stat demand for BR
CapQuest have sent me a Stat demand form for BR this morning on behalf of Halifax. I haven't even heard of them before never mind got anything prior to this letter. Can they just go straight for the kill like taht of are there steps they should follow? what am I to do? I really don't want to go BR if I can help it. What…
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Home Ownership & Bankruptcy
Hi, I post on this site regularly but under a different username as I don't want my OH to see what I want to write. I've just discovered that his ex wife was declared bankrupt back in 200* & she isn't going to be discharged until 2009. I was a tad shocked because he was with her back in 200* & I assumed he would've known…
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CCJ's
Hiya, Just a quick question. I went bankrupt on the 24th of june, but today got a CCJ claim form for one of my debts. I'm wondering which form I fill in? I rang the court but they wont help me! Saying they don't give out legal information, not even telling me which form I need to fill! Does anyone know? do I fill in the…
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They want to take my friends old banger
Hi My friend was declared Bankrupt 10 days ago she owns an old car with little or no value and lives in a rural area. She works as a private tutor and travels to the childrens homes to teach them and has mobility probelms. She's had a letter stating they are taking her car and will be coming for it on friday. She has sent…
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car exemption
Hi, could anyone tell me if you get a certificate or something stating that my car is exempt from assets as since my OR interview i have had nothing or heard anything from the OR.
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BR date now Sept !!
After compiling all paperwork file of creditors letters etc and meetings with my advisor at CAB. Crewe are still saying can't give me proper date:mad: just wanna have a date to look to and be positive. Rang them today they are hoping letting me know Thursday or Friday with date for September. Wish I had a drop in like some…
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Discharge imminent?
My husband and I went BR in Dec 07 and recently received a letter from OR saying they are looking to discharge early. Returned the questionnaire a few weeks ago. Hubby has just had a letter saying they are transferring his BR file to the regional trustee and liquidator unit (RTLU). Does this mean ED is imminent and is…
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council flat arrears
I have rent arrears of £900, I live in a council flat with my two kids. I have been advised that if I was evicted then it is likely that becuase I have kids, the council will have to re-house me asap as they cant leave us on the streets. Has anyone else had rent arrears with the council and gone bankcrupt? Im concerned…
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Debitas-oh joy!
I am really having a week of it. After yesterdays fun and games with bailiffs trying to find my ex,today I find lovely old Capital One are being kind and generous. Over the last 7 months I have got this card down from just over £1,200 to £370,paying regulaly,over the minimum amount. I paid another £150 last week,taking the…
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Going to court tomorrow
Hi all, Iam off to court tomorrow to declare BR. I have double checked my paperwork which CAB have helped me with, and just this morning i phoned the coop for a bank accout which ive been accepted. Coop said it would take 3 days to set up the account so it will be after i have gone to court and declared my BR, hoping it…
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Filled forms in for BR... what next?
ok so with the great help with you nice people i have filled in all 13 section online and im happy it is all correct. what is my next step? Do i just ring my local county court ? how much do i pay on that day? how soon will a OR deal with me? and in total how much will it cost me from filing for BR to actually starting it.…
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BR or IVA? and voluntary repossession
Hi Folks, I was glad to come across this forum as there seem to be friendly, helpful people on here! This is my situation: Own business that didn't do very well Divorce with crippling maintenance Went back into salaried job 4 years ago, but was earning much less than my outgoings, so debt - particularly on credit cards…
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Bankruptcy advice
Hi, I live in a housing association property and am looking at bankruptcy, does anyone know if my tenancy will be in jeopardy? I am on invalidity benefit at present following an operation and when working have paid off over £8,000 of my debts and still have over £10k to pay off which I am doing with a debt management…
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Countdown what will come first OR interview or job?
Well 2nd interview for job went well:j with IT manager and MD..just have to wait 2-3 days to find the result. 9 days to OR interview..quite a turmoil of emotions now:eek: :eek: thanks for your continuing support....;) :D Sandy
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Bankruptcy and emmigration
Hi all I am still not sure yet whether BR is the right option for me, but do any of you out there know what impact it might have on emigration. We are planning to emigrate to SA in a couple of years' time (OH is South African). How can I find out whether they might refuse me entry? Thanks
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UK bankruptcy whilst living in the US
Hi All, I have recently moved to the UK with my US wife (we met and married in the UK). I am looking to declare myself bankrupt as I am struggling to meet the minimal payments. I have an ex partner who agreed to pay a loan (that I joint signed for) but I have recently received a letter from the creditor asking me for…
