-
Property transfer question
Hello people, I am around £16k in debt {all unsecured} (it was £21 so it is coming down)... but in anticipation that any of my creditors might come for the house and / or want to place a charge notice, my wife on her own remortgaged the house in February and the property was transferred to her entirely. ie since late…
-
applying for a student loan while undischarged
i was accepted for a bachelor of nursing whci i am dead happy about it in april this year. although i was recently declared bankrutp am i still allowed to apply for a student loan or not ? if so should i let them now about my BR ? it is is not for a full amount student loan as i am entitled to a nhs bursary and if…
-
The shame
Notice of my BR was in the local paper today in the City where I work. I only know this because (helpfully and sensitively) one of the people who work in the mail room delivered the paper to me, flipped it open to the back and pointed to the notice saying "Sorry to see you are in the paper"! I was so gobsmacked, I didn't…
-
THE forum meeting almost 2 weeks to go!
For those that have tried and it would appear to be full i have just booked a room for rich(long story)and went again on the site and there are rooms still available(maybe they release so many a mth before:confused: )so if you want to get booking do it now.FERMI,BAT,BLTN even if you have to cancel. PLEASE!!!!!SAVE ME A LOT…
-
Is This True??
Hi everyone I am new to the forum and have a question. I have borrowed about £150,000 pounds 104,000 northern rock which is a mortgage and 23,000 GE Money Secured against the house. The rest is credit cards and other bits, Me and my partner split up because of the money we owe and she has taken the kids I am trying to work…
-
A second call from the OR
There I was, trying to have a little nap at 4pm and who should call - yes my OR.:eek: :eek: Have you time for another little chat mrs DebS? Felt like saying no - but didn't. Nearly wet myself instead. Just wanted to know what I did with the loan money. Spent it! No used it to consolidate. But had forgotten about the one…
-
Have I done the right thing?
I completed online Debt Remedy on CCCS website. Do I need to ask for an appointment with a counsellor too? ........... I'm worried and relieved... I can't believe the situation I am in - didn't realise it was quite so bad. I should have done this earlier.
-
Im Bankrupt
At 14.22pm my bankruptcy order was made :rotfl: It was not as bad as i had expected :rolleyes: still have the OR :eek: (will keep you posted on that one) Thanks for all the advice and words of support without it i don't think i would have done it. Thanks:beer:
-
Nil tax (NT) coding/IPAs
Nil tax (NT) coding/IPAs (for reference) Where bankruptcy occurs, HM Revenue and Customs (HMRC - formerly Inland Revenue) submits a claim in the bankruptcy proceedings for the whole of the outstanding tax due in that tax year, for both employed and self-employed individuals. The claim submitted in the proceedings by HMRC…
-
Are bills split 50/50 between 2 people?
Hi all, just had my OR meeting today and it was confusing to say the least regarding the I/E part of the SOA. Basically for the last few years i've not been able to contribute much to the household expenses (most of it paying off the debts) and in order to do so I have had to go BR. It was a struggle trying to explain to…
-
Ex-husband going Bankrupt will we loose family home
Ex husband has just informed me he is thinking of going bankrupt. I am worried I will lose the family home which he agreed was mine and the kids when we seperated 5 years ago. 3 years ago I went to get his name off the mortgage, but was told his name could not just be taken off the mortgage, I would have to get a new…
-
In Court in 2 hours
Well the day is here my hearing is at 2pm :eek: Have already done forms and paid (they have a 2 part app system) Really scared :(
-
We Have Done It !!
Well thats it ! Yesterday at 11.15am Mrs Cider and I were made bankrupt ! It was no where near as bad as we had expected ,the clerk of the court checked the papers took the money asked us to take a seat ,the judge called us in to query an answer,we explained it and then she said she had no problems and signed the forms .…
-
Gettingg Desperate
Hello I posted a message yesterday, but I can't find it (so maybe I didn't do it right) so apologies if I'm duplicating myself...... I am in debt to tune of £43k and have a large mortgage. In theory there is some equity in my property, depending on how much it would sell for. Have been for debt management advice, and…
-
Newbie with question re. bankruptcy petition and second job
I would appreciate some input from those of you who are more knowledgeable ... I will go to see CAB or someone but wanted information first. I owe over £20,000 and have less money coming in each month than is going out. I work 32 hours per week for a company and have been trying to get more money coming in by working for…
-
A Quick Credit File Question
Hello there, My bancrupcy should have dropped off my file on 01/10/2008, I was just wondering how long I should leave it before applying for a good current account. I would like the one with Alliance & Leicster. Obviously I am not going to be daft and do it straight away. I don't know how often credit files are updates for…
-
Few questions re SOA please
Hi Picked up my paperwork today and have a couple of things I'd like advise on please. Partner paying to his credit card and our joint account with Eon. Should this be taken from his contribution?? At present all his income is included. Heres my breakdown 2 Adults, 2 children and 2 dogs. Incomings CB 125.00 CTC 398.88…
-
When to open a new account
Hi all. We will be going BK in the next month or so.We (hubby) and I have an appointment to see our (non-profit) debt counsellor next week. By Friday we should have the fees, and on Tuesday when we see the counsellor she said we will finish filling the SOAs in and tidy up loose ends. I imagine she will ring for an…
-
Prepaid cards
Hello all, Does anyone know which prepaid card is best to go for (for internet purchases etc) had a look at the mastercard one but am not sure! any help given as always is appreciated! Thanks CD
-
Do I have to tell the OR if ....
... I sell my car with the intention of buying another? When I had my interview with the OR, they said that they'd send me a letter to confirm that I could keep it, but the letter never arrived, nor, does it seem, did any letters go out to any of my creditors (as I think I've just told the last one about my BR, 4 months…
