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Told a lie...
I've been a bit dim... Made BR Aug 07. In full employment. Then lost my job. Let the OR know. No problem. I quickly found some subcontract work which I didn't expect to last. So I didn't tell the OR... I finally came clean after a few months, told them I had just started work (so lied)... And then understated my income (so…
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sadly no alone Bancruptcy and council tax just like me Belinda W
debt Alarm at rush to bankrupt council tax debtors Councils are getting tough over arrears of little as £1,200 - because they're worried about yearly performance targets. Jamie Elliott reports * The Observer,<LI class=date>Sunday February 10, 2008 * Article history Local authorities are rushing to make people bankrupt and…
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Thinking of BR but so many questions. Please help!
I'm in a debt management plan with Payplan but am really struggling to make the payments and I'm about to lose my current job which comes with live in accomodation. I've got a new job lined up but with the extra outgoings of rent, council tax, utility bills etc.. I'm gonna go under. I live with my boyfriend but the debts…
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Countdown to 06.07.2008...*EDIT*NOW DISCHARGED!!!
.....and the countdown has started!!!! :j:j:j less than 2 hours till I'm discharged!!!! WHOOP WHOOP :j:j:j Anyways, being as the OR doesn't work at 1015 on a Saturday night (well I don't think they do anyway!) and so there's no chance of them ringing me to say that they've decided to suspend my discharge, I thought I'd…
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IVA to Bankrupt
I was advised to post this in here to see if any experts could help :) Hello, i was after some advice please, my partner has a IVA, But is struggling with the paymants and is no w looking to going bankrupt, how easy is this to do once your in a iva contract? is it even possible to do? how easy is it to go bankrupt…
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Alliance & leicester e-saver
I have just applied for an e-saver- anyone managed to be accepted for this account after discharge from bankruptcy??
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My OR must be busy, interview is 17th July, thats over 2weeks from day of BC!!!
But I have my appointment (telephone), forms to fill, and envelopes to put my stuff in!!! :j:j:j:j Wish it was sooner though, would rather just get it done now while its fresh in my mind.
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So what next?
Hi again! So I went BR back on 7th May this year, and everything appears to have gone as expected, but I've now reached the point of wondering what happens next. :confused: Having read some of the posts on here I am led to believe that at some point over the next 9 months the OR will send me some forms to complete - is…
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Another Question
Do you have to show all your bills as proof of payment? or do they just accept it from the forms you send in? Thank you
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Question
Hi was made bankrupt on the 1st july i have recieved a gas bill for £130 but the letter was dated 24th june is this included in the bankruptcy:confused: thanks y
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Posting docs to OR
I am putting together 12 months worth of documents,the envelope states postage paid up to 100g do I have to pay the rest?:confused: Documents up to the moment weigh 500g:eek:
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give me courage and conviction!
Hi all, I lack courage to let go and just petition for bankruptcy. I am robbing Peter to pay back Paul, have done for all my credit life. I have been advised bankruptcy by cccs. I have told one or two of my closest friends, but none of my family. It's such a lonely business keeping it all to yourself, but am drawing…
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File transferred to RTLU?
Hi all Had a letter today saying our file is being transferred to the RTLU. I thought that only people with assets were transferred? We have/had a house, but its in major neg. equity so there won't be any money and we haven't had an IPA imposed by the OR....... Just wondering why/what the significance is in this? Thanks in…
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More Questions
Sorry a couple more questions. My ex left me and is no longer cotactable, so i am going BR do i include all our joint debt? and will they then just deduct my half and chase him for the rest? If they do then chase him for the money, do i still pay IPA? Can someone send me the link to the % of surplus for IPA? Thank you
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Phoned by secured loan people
Hi All Just had a call from the company with a secured loan on our old house where we no longer live. They said they would be sending a report to their litigation department to see what further action could be taken adding "we're not just going to write the debt off". I said that as it was secured against a property where…
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How Long
Hello all, hope you are all smiling!! Please can someone tell me, how long roughly it takes from paying your money for BR too actually starting to pay your IPA? also how hard to get a mortgage in the future? do you have to declare BR all the time? Thank you tina
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Insolvent or not?
:confused: Hi everyone, sorry another question... i'm a bit confused about the whole BR thing... basically we are skint all the time and have no money, but on paper it looks as though after paying all our bills we have about 300 left over after all our bills being paid inc creditors... this is how it is.. Morgage…
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Tennant Advice
Hi, We have a tennant in our flat which we are planning to include in our BR. Can anyone tell me when we should make proceedings to move him on? Obviously we don't want to 'shoot ourselves in the foot' and if the OR decides that we are not insolvent we are then left with the flat with no tennant?? Another question, what…
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Default Notice For The Car
My OH who is on DMP has received Default notice for her car with outstanding of about 9k and monthly payment of £250 which we cannot afford. Please can someone advice us what shall we do or how should we approch the creditor. Will they send someone to take the vehicle or are we suppose to deliver to them. Thanks in advance
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Credit Score - How does it fair?
Hi Everyone, My dad just had a look at his credit file (he filed for bankruptcy May 2005) and paid for his credit score/rating. I said it does not give a 100% idea but he just wanted to have a look. Well is credit score was 327. Is there much hope for him? Considering thats out of 1000 it sounds rubbish to me. Regards, Tom
