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New Account and JSA
Hi ya I was made bankrupt on the 8/7/08 and i set up a new co-op cashminder account. What i havent done is tell the Jobseekers allowance people about the new account details as I only just received all the account details. I am worried that they will pay this money in to previous bank account which i had on the BR forms as…
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What to take on BR day
Hi there im a noob! just checking through all my Br paperwork, as im off to court tomorrow, needless to say i feel so sick with nerves, even though i see the more nervewracking thing is the OR! anyhoo, I was just wondering if I have to take any statements tomorrow? and should I be really really scared of the OR?! the worst…
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Fighting Back
A friend has just sent me this letter, he, (allegedly) sent to his bank and was compensated Dear Sir, I am writing to thank you for bouncing my cheque with which I endeavoured to pay my plumber last month. By my calculations, three'nanoseconds' must have elapsed between his presenting the cheque and the arrival in my…
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Boyfriend going bankrupt - will it affect me
Hi I was hoping someone may be able to give me some advice. My boyfriend is thinking of going BR. We live together in a rented property and share bills etc. I am confident that this decision is best for him, as I don't see any other way out for him. However I was just wondering if certain things we own jointly or anything…
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Going BK in a nut shell
Hi All I am after a Pros and Cons of going bankrupt. I have posted on the Debt free wanna be, under the title 'Not good on paper' A few questions: Will my job get to know and will they fire me? I work in sales How long before I am free and back with any credit to my name Do they take your bank account away, are there ones…
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How long to wait?
Hi, been thinking about BC – husband left me last month when he found out about 20K debt. I can’t afford the rent etc myself . Should I wait before in serious problem – used savings for the last 2 loan repayments and just enough now to cover court costs. If I do, I will have to go to High Court London – does anyone know…
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Delaying AD/Overturning AD...
Hi All, Wondering if anyone knew if the OR can 'undo' your AD because they were too slow doing something? When I had my OR interview I was told I would get a BRU (and there's still time, so I'm not thinking this is the case) but as I'm getting closer to AD, I was wondering if the OR can overturn the AD at a later date to…
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OR interview cont
Hi all, if you read my last thread you will know that I had lost my job (Construction manager & victim of the credit crunch) around the same time as my OR telephone interview. As the company I had worked for went into liquidation I now find myself in the position where I am dealing with two "sets" of OR -has anyone else…
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BR Friendly Companies! (merged)
Dear All, I thought it might be nice to start a thread to promote those companies who help people who are BR. It might be that they are willing to do business with a BR or offer services to BR's. Please only put companies in here that are post BR and not pre. I thought it might be interesting to find out what companies are…
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***** arghhh!
:mad: Bloomin' Barclays! OR office sent a letter to Barclays (I have a copy) saying they had no interest in the account. Have my DLA paid into it. I have been checking it on line every day - and its stayed open. I recieved the copy on 7/7/08 (I went BR on the 4th). I tentatively put money in on the monday to cover the DD's…
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OR docs
hi fellow BR's looking through docs,just received many back from IVA agency(good one!) although took 4 weeks:eek: Question only asked for bank/credit card statements what about other debts:confused: should I send catologue statements what about other debts????:confused: :confused: :confused: Sandy
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Please help
Hi everyone :o Am new here and have a few questions ? I have debs of £35.000 and have been with the cccs who have advised me to go for bankruptcy. I was renting a place and a friend of mine said i could live at his as he works away a lot and i would be doing him a favor looking after the house. I pay the bills and give him…
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after discharge and 3 months expired how does anyone know you have been bankrupt
after discharge and 3 months has expired I am on the understanding it drops of the Insolvency register! how does anyone know you have been bankrupt? I know your credit files show it up, but if you move somewhere new and don't link the past is there any way people can find if you have been bankrupt
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Going Br In Scotland - Me First Then Hubby - I&e - Someone Please Take A Look?
Hi all. Situation in brief: Moved from England last year, house value dropped by £30k and now in neg equity. Mortgage company won't allow us to rent our english house out any more and in 6 months arrears. Repo hearing in August. I have no income so am going to start BR through LILA in Scotland. Husband will have to wait to…
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Child benefit went into the wrong account.
Hi there. I have a problem which is that although I changed the account details online for my child benefit to be paid into, they still paid it into the old account for some reason. The money went into my old Lloyds TSB account which I had prior to bankruptcy. The OR said that they were not interested in the account, but…
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Working and bank account
Hi, Court hearing on 16th of this month (next week) Iam currently on incapacity benefit but i really want to get back to work, so hopefully i will be fit again next month (august) I will be going BR next week and as iam no expert i assume i will have a NO TAX code. Question is if i find work with an employer will they want…
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Co-op disappointing
Got the cashminder up and running after BR no problem, however had had co-op basic current account for a couple of months previous with NO overdraft facility. OR said on phone he had no interest in that account at all so I could keep using it, however they had informed the Co-op of the BR. Had hopes of still having a card…
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1st credit driving me insane!!!! Rant
AHHHHHH- Have just recieved another- "thank you for your letter, the contents have been noted- please telephone this office" I am so angry!!!!!!!!!!!!!!!!!!! :mad: This has been going on since the start of the year- I write to them offering payment asking for details to pay and they tell me to call them- this is my hubbys…
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quick question please
if your br are you allowed to make a claim for your bank charges even if the bank in question has closed your account thankyou
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Losing our home
What happens to your home if facing bankruptcy
