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Wot will they do next!!!! (bit long sorry....)
My other half was made br beginning of year, at or meeting was told our joint account wud not b touched and our flat wud remain ours!!!! A few weeks later bank was frozen and they took half the money out, Initial debt for br was £10k, last week we received letter from a company acting on behalf of credit card company…
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Br Heeeeeeeeelllllllllllllppppp!!
Hi, This is my first thread, so any help would be much appreciated. I'll start with the facts: Married combined unsecured debt approx £60k and counting Mortgaged to £149 flat valued at the same Living in rented accommodation and flat has a tennant Salary has dropped from £30k pa to £17k so it's very tight and probably not…
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1st Yr Of IVA - Feel Like Big Brother Is Watching Me !
Hi everyone Sorry for this but I'm going to have a moan ! :mad: I've almost completed the first year of my IVA. Just before I entered into it, my supervisor kept telling me last year that things will be a lot quieter for me - the stress will definitely go, you've got your debt (£32K) under control and you'll be paying back…
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Savings Policies in Bankruptcy - Help!
Hi all, I haven't posted here before but was wondering if someone might be able to offer some advice. Me and my husband have taken advice from the CCCS that bankruptcy is the best option for us and so we have begun to try and sort ourselves out into rented etc. Anyway, I went to tell my parents about the situation and they…
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Mortgages after bankruptcy - does bankruptcy not matter 3 years after discharge?
Interesting piece of advice - I recently contacted an IFA who deal with my pension, to ask about where I would stand regarding a mortgage in the current credit crunch climate with my bankruptcy still on file (discharge early 05). I was told that, as the discharge is over 3 years old, it would have no impact on the likely…
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Where is toon dave?
Haven't heard from him for a few days?:confused:
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Reluctance
After my automatic discharge last week, I know I should now be organising myself to sort out my credit files, but I find myself reluctant. I feel like I left all that !!!! behind last year and I don't want to revisit it and have to deal with it all again. I feel like I've moved on at last! I suppose I'm deluding myself…
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iva
hi all. im a BR for appx 4 weeks now. can i go for an iva as opposed to br or is it ot recommended heres hoping!!
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Couple of very quick questions!
About to go bankrupt in a few weeks time and would really appreciate the sage advice of you lot! 1) I'm thinking of cancelling my mobile contract and going on to Pay As You Go. Mobile is currently a whopping £40 a month, and I intend to include it on my Bankrupcy as I will then owe them £220 for line rental for the rest of…
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I am BR and freeee!
Well, what a morning. The actual going BR was fine, it was the other stuff. :rotfl: Sorry if I babble on this post, I have been babbling all morning, as you will see... Met OH at the station at 9.15am, as he had to go into work first, then we walked down there, got there are 9.30am. Nice and early I thought, appointment is…
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horrid forms
hi all not been in touch for a while but all is the same where can i get some foolproof advice on how to fill in our bancruptcy forms? every time i get them out do them its oh my !!! put it off for another day . but the debts dont go away nor the fear of it all but its got to be done and soon.cheers g xx :D
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i'm confusing myself please help!
well after spending ages worrying about going bankrupt i am not worrying about worrying about worrying!!i have read so much i am in danger of self destructing!!could someone please explain the ins and outs of an ipa?? i am not employed i am a stay at home mum,income is made up of child benefit,tax credits and husbands…
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When should I open new bank account?
Im looking at going BR in the next few weeks, just waiting for failure of IVA letter to come through. I was wondering when I should open my new bank account? Im with Lloyds atm, and only got the account after starting my IVA 18 months ago, so the account has never had any O/D or arrears on it. I presume though that they…
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Contract phone/ BR
I have had the same mobile contract with O2 for nearly 10 years, and although I have had an IVA for 18 months now, the IP didnt seem to care, and neither did O2. I presume I cant keep it if I go BR as planned in the next month or so. My contract isnt up until december, so how would that work? I didnt get a new phone last…
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Bankrupt house owner
My girlfriend was made bankrupt about 18 months ago. She has a four year Bankruptcy Restriction Order placed against her. She has a mortgage on her house and nothing seems to have been done by the Official Receiver regarding this. She has been paying the mortgage but as it is interest only it is unlikely she will ever be…
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IVA / Pay Plan Help
Hi Everyone I have an IVA with Pay Plan which I have had for 2 years. I pay £330 a month for debts of £35,000. I have just had an annual review and my costs have gone up and I am struggling, I told the lady from Pay Plan this who to be honest didnt seem too fussed. She said that Pay Plan could go back to the people I owe…
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i need your help or advice..
Hello..as may be obvious this is my first post here.. I have been in a dmp with payplan for 2 years,i have debts over £70k, and although i may sound naive i wanted to pay back all i borrowed,even though it will take over 12 years.I did try a iva but it was rejected by Northern Rock which meant it was rejected by .16%!!! I…
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still not had details of OR interview?
8 days now since BR, OR phoned on the day spoke for 5 mins stated she would be in touch regarding interview (if required).Still not heard anything how long should I wait?:eek: Should I contact her?
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Thanks
Have been lurking for a while, and as of 1st of july at 10am. My oh and i were made bankrupt:j If it wasnt for the forum i would have never done it. Thanks again everyone you are brilliant:A
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Who puts info on Insolvency Website
Who puts the data up on the website, I went BC Monday and it was on there Tuesday Morning!!!! Do the courts or the OR do it? Seems lightning fast Ho and your BC number XX of 2008 is that just for the individual County Court or National figures?
