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Did anyone else get their Child Benefit early this month?
I've been getting it on a Monday for ages but it went into my co-op cashminder today, I was wondering if any other co-op'ers did too and whether it has anything to do with this new 'quick pay' system. It's supposed to go live in July. Or perhaps it's just a fluke.
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I'm so scared and I'm so angry with myself
I live in Scotland and I don't know if it is even possible to go bankrupt here. I am just starting out trying to get my debts sorted. I am so angry with myself for frittering away money and getting into debt in the first place. I have a house that was valued (in Feb) at £160k I know that this will be an unrealistic…
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OR taking money from my bank account
Hi All, I had my OR interview about 1 month ago. He told me that as I had £1000 paid in my account he would be taking £800. This was from the sale of a car and I was totally happy with this. The thing is it still has not been taken and is burning a hole in my pocket so to speak. Do you think he has forgotten? I would have…
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What actually happens
My Story I've got about 13k worth of debt and stopped making payments on them a few months ago after moving house, my plan was to get on my feet financially then continue making payments to a debt management company. The reality, I moved and got a slightly higher paying job, the company is now in the process of going…
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i&e forms
hello can anyone guide me in the right direction to a site where i can find the acceptable limits for household expenditure clothes for kids ect! cheers g
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This should make you laugh!
This is going to be one very very embarrassing interview with the OR!:o I moved here in June 2007. Its a disabled flat. Over the road there is a Mcdonalds, an Indian Takeaway, Fish & Chip shop, Bookies, Chinese Takeawy, Victoria Wine & a newly opened convenience store(Opened March 2008). I've got my CC & bank statements…
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Name was in local paper but there was another...
....Persons name and the article said that they would be paying 0.00034534535 penny in every pound owed to creditors... Anyone know what thats all about, because it seems to me as a creditor you would need to be owed millions before you get any decent amount of money from the debtor???
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Just been sent a cheque
Just had a letter from the bank informing us that the OR has been in touch and that by her instruction, they have sent the total amount that is in my savings account to the OR (all of £8.50). They instructed me that all accounts have been closed, including the joint account I have with my wife. I was expecting this two…
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getting a new mobile phone after BR?
I'm currently on a 30 day SIM only contract with o2 (who I've been with for years) but my phone has just started playing up. I need to have a reliable phone for work as I'm on call 7 days a week. Does anyone know if Id be able to get a replacement one on contract even though I'm bankrupt? I figured if I'm paying £35 a…
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Declaring your debts
Hi all Newbie but been visiting this forum for a long time. Going BR on wed 16th (next week) after consulting cab for over a year. Just a question on declaring debts, obviously the credit cards, overdrafts and loans are first on the list to declare to the OR but i want to declare my mobile contract which iam behind on…
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Q about BR & LILA in Scotland. After 1yr discharge, how long is your rating affected?
Hey guys, Firstly THANK YOU so much for all the info you have all provided in this and all the other forums. You're all little :A's I'll try to keep this brief and not start ranting about my situ. The question that I cant seem to get answered is... LILA is discharged after 1 year, fine understand... BUT how long does the…
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One Year On
Hi all I went BR exactly 1 year ago today have checked the insolvency website and yes I have been discharged my question is what happens now ? will I get notification from the courts ? Can I now apply for a bank account there is so many questions going round in my head but the most scarey one is can the OR change his mind…
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Gl;ad to see the courts can mess up!
Had another bankruptcy order (well 2) through the post this morning. I nearly died!:eek: It had AMENDED splattered all over it! I'm trying to read it properly whilst not dying of a heart attack - I thought they had changed their minds and decided not to allow the bankruptcy! Talk about panic!:D I finally sat down and read…
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Confused about BR.....!
Hi guys. I wonder if I could trouble any of you for advice. I must thank everyone for the posts I have read so far - I have learnt lots and don't feel so alone :-) To cut a long story short, OH is on incapacity and lost his job. CAB have been great and we know we are not financially viable. They have basially advised us…
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Early Discharge
Hi All I thought I would just post a quick update. :j I have received my notice of early discharge today.:j Its been a turbulent year and with the help of this forum and its many experts I have managed to negotiate this Bankruptcy minefield with confidence ( OK maybe confidence is a little too strong a word but I think you…
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Almost seven months in.
What are chances of an ED at this stage? I've had no contact from the OR for months and the summer holidays are very much upon us. So I'm not expecting any news soon. But should I assume after another month or so, I'll be required to do the full twelve months (I'm not bothered - just curious)? If I don't get any word of a…
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Telecom Plus Threats
Hi All, not sure if this is the right place to be posting, Telecom Plus/Utility Warehouse have today threatned me with a warrant for disconection due to an unpaid bill. I dont live at the property anymore, but wish to rent it out. If i change the supplier can they still apply for a disconnection or if my tennant phones…
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co-op account
Hi all, well i've just this second come off the phone with the co-op, i've opened a cach minder account. The man on the phone was really nice and very helpfull, i'm now the proud owner of a new account woohoo! I shall receive the papers in the post in the next couple of days. x:rotfl:
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Having a rant:- abbey debt passed to Equidebt
Well I have recieved the promised letter from Equidebt they are recovering the joint overdraft I held with Hubby prior to Bankruptcy. I am still on the account with Abbey despite proving I am bankrupt and requesting to be removed from the account. I am the one they are calling and addressing the letter to. My plan is to…
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need some info....im looking to go BR
which means im going to let my house get repossessed,so therefore im going into rented accomodation,im looking at some rented propertys this weekend and need some tips on what to say to the estate agent: my credit rating is shot to pieces,so do i tell them?,or let them tell me? i have someone who will be a guarantor,do i…
