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BR update OR interview
Today at 2:00pm I had my telephone interview with the OR she was very nice but very prying (spose it's her job to be). Anyway got through it reletively unscathed, and now as I type the wife is on the phone having her OR interview with the same woman. Because of my current employment situation (company I worked for went…
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(Re) Possession of Property, Secured Loan Difficulties
Hello, This is my first forum I think i've ever been on so will give it a go. I'm writing on behalf of my Mum & her Partner. They have a secured loan tied to there house. They missed a couple of payments and the lender didn't make communications with them for six months. In the meantime, my Mum realised that they have been…
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Court Date - 21st July
Half of me is really nervous, the other looking forward to it all being over with.
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What do I do first...
Hi just wondering if anyone can give some advice on the what would be the best course of action for me to take first. Voluntary reposession or BR. I have got myself into a load of debt and have already defaulted on my unsecured debts i.e storecard, creditcard, overdraft with previous bank. I rent out my flat and the…
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What next?
Once I have completed my statement of affairs online what do I do next? I know I need to print 3 copies and take them to the court, but do I just turn up with them or do I call to make an appointment? Also will the BR go through on that day, or will I need to come back another day? Its Kings Lynn County Court i'll be…
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Re: Help New Relationship but past bankrupt, how can I stop it effecting our future?
My partner has asked me to move in with him or possibly get a mortgage. I need some advice as in June 2005 I was declared b/rupt for £5000, not a great deal of money but somethign I couldn't afford at the time. Will it effect his credit rating if we get a mortgage? Will he find out as I havent had to tell him about my…
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Which address to put on BR forms??
We've (CAB) filled in our BR forms but have put down our current address on them, we will be moving into private rented housing before we go to court and I was just wondering whether the forms should say our new address instead?? CAB did know we would be moved before but after all the other mistakes she's made on the BR…
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Disaster Strikes!!!
Hi Everyone!!! Just wanted to tell the world "Were in the SH*T" Just had a call from our estate agent that managed our flat and our tennant has given his notice (GREAT!!) so that means his last payment will be 24th July :mad: Therefore we are definately going to go BR... He is putting it on the market to sell, however at…
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Tax after bankruptcy
Can anyone tell me what happens about self employed tax in the year of bankruptcy if you had no estate or finances for the OR to take. I know tax is not payed to the revenue,so is it written off i do i pay the OR.
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repossession how long does it take?
anyone out there tell me how it takes to be repossessed (not voluntary). As I am unemployed I am not in a situation where I can go for rented yet,but will be if I get work:D .As I cannot afford mortgage/secured loan and am in arrears for 4 and 2 months respectively any advice?:confused:
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hmm, buy food or pay bill?
dont get paid to the end of the month and ive got council tax to pay, if i pay this months bill though i wont even have enough to buy food let alone get to work :( what would you do, pay it or buy food? (before anyone sais it no i cant borrow any more money)
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Todays the day.. court!! **UPDATED - NOW BR**
Hey everyone, Well it's finally here.. at 11am this morning, I will be in court going BR! Half of me is happy, the other half is scared as I don't know what to expect. I'm also rather worried what to wear, if anyone reads this before 9am and has been to court.. how smart is the standard? Wish me luck!! I'll come back on…
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A question for those who went through vol repossession
I feel cheeky even asking this but wanted to find out what others have done. We are planning BR in a couple of months time and will go through a vol repossession as part of this. We have sorted an alternative house already (a family member is renting us their home) but this house needs a lot of work doing and we are doing…
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Advice please-Bankruptcy and home ownership etc
I have a friend...yes its true...!! I shall explain his situation. He and his wife have separated. They are joint owners of a property which may be worth about £100,000. One of them has debts of about £70k and the other about £50k. These figures include the outstanding amount of mortgage (divided by two) and the remainder…
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Small ebay habit
Evening Me 'n' L have our OR interviews on Thursday, so have been v busy looking over old bank and CCard statements . Not always pretty reading. While a long way from being a serious addict, there was some mild ebay action now and again (mine, not hers). Plus there's a paypal account - in Luxembourg, I think - that I…
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BR today - will existing co-op account be OK?
I opened a co-op account prior to bankruptcy. Went to court and went BR today, when I had the phone call to the OR's office they ummed and ahhed about the cashminder account when I said I wanted to continue to have my wages paid into it. Spoke to the co-op and they seemed certain it would be fine as I haven't used the…
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documents???
Hello everyone, Just a quick question to ask you all - I'm going to court on thursday - i'm pooping just thinking about it, but anyway, other than 3 copies of the forms that i filled in on- line, is there anything else i need to take with me?? other than the money too of course lol. The BR is for me and my husband, 3…
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What do I do?
I've put the wheels in motion for br. I've found somewhere to live and hope to move by end July. Finances are tight but I should have the cost of br covered. Well, that was until this evening when my car had an almighty shudder as I applied the brakes and my ABS light came on. Luckily brakes still seem to work but am a bit…
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Anything else going happen?????
Hi all you people I am in much need of tlc please. I never usually ask for sympathy but am in need of lots at the min. Friday i found out that both my OH and myself will loose our new jobs this friday. We took a chance an because of the recession the company is cutting back,no orders ect. Agency go first. We had been…
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Question:
After reading these posts I was wondering what happens after o/ call/meeting. My dh got told that the o/r will have control over your money for a year,surely thats against data protectiuon? How long do you have a nt code for? Do you have to pay tax back? Anyone not pay the £150 court fees?We have just been awarded working…
