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IVA versus Bankruptcy
hello My partner is in the process of setting up an IVA through CCCSVA and we have had the proposal come through today. They have included my income and expenses in it, but as I have just been diagnosed with Bi Polar Disorder my wages have reduced to hopefully Incapacity Benefit, my doctor has intimated that this will be a…
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One more question before tomorrow!
I have read that company's I owe money to must be put on the form. I have DD's due to come out of the bank on the 8th & 10th July. I go to court tommorrow. I am assuming that the account will be frozen, so I was going to pay the one bill tomorrow morning over the phone - not giving the true reason, but just saying the…
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Living in Limbo
We are currently living under the threat of a bankcruptcy order being petitioned against my OH. An old supplier of my OH has issued a Statutory Demand on 31st May where the deadline has passed now. We offered lots of things for them to set it asided like charging order on the house or selling the house so we could pay them…
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I need to vent some anger!!!
I just spoke to 3, my mobile phone provider, to tell them my BR is booked for the 4th July, and what would happen here on in... Well to cut a long story short, they have cut me off instantly, refused to pay the money they owe me (even though I have never defaulted with them) and they want my handset back. I tried to ask if…
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what happens after being discharged
I went bankrupt 5 years ago. I was told I would be bankrupt for 2 years. I have never heard anything from my official receiver. I am now discharged but do I need a certificate or something and how do I apply for this (I heard this costs alot of money). I am still not credit worthy and have a nationwide account since I went…
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Overdrawn Current Account before BR
Hi Again, I have a current account which is a 'Smile' account with the Co-op Bank, this account will be £500 overdrawn to its limit when i go to the courts on monday after taking out the court fees, and any surplus (for a pint after hopefully). Should I put this on this on my list of creditors aswell (I have sucessfully…
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Gambling and the OR......
:mad: Hi guys:mad: I was just reading my court papers i recieved today, it ask s if any of the debts are through gambling and how much?? I have never been a seroius gambler but used my overdraft for betting on the football with the lads from work and running the lottery syndicate? We won some and we lost some, as the…
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car on hp
Hi guys, i currently owned a car of £12000 which was on HP i have terminated that and are waiting the car to be picked up. I am picking another car up on friday which costs £3000 this alos is on HP. This came about through managing my expenditure through the cccs, ie the reduction from £270 to £100 pm on HP and also a…
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I & E form for discharge please help
HI could someone please check for anything I have missed please ? married wiith 1 child o/h not working income is £20 per hour self employed which equates to around £1830 per month on a 37.5 hour week. +73 child benefit expenditure rent 450 council tax 96contact lenses x 2 44home insurance 16 mobile phone x 2 50home…
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Dfd
Hi all Well DFD are sooooo out doing themselves in the crap list!! Heres the update. Filling out BR froms and after a small set back in around 2mths have the money for both myself and OH to go BR. We have an IVA with DFD which we started in Dec 07 and soon come to understand that we could not afford to pay it. We requested…
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My BR Story
You may remember I went BR last December. Well I am going to share my BR tale for all those who post on here worrying about if they should do it. After taking advice I went for BR last December, I took the forms to court, they were looked at by the clerk, I was then sent up to the judge. After 10 mins waiting I was called,…
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Thank you all. Converted lurker
I have been a lurking for a while and reading the invaluable advice that is given here. I shall ask my questions as time goes by but I have almost enough information from reading previous threads to begin my BR process. I took on a wheelie bin cleaning franchise 3 years ago and it was a good idea at the time. I am now out…
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Got my date 7th July
Hi All I now have my date booked for the 7th July, was just told to turn up at 9.30 and they will take cases in first come first serve basis, Have spoken to the CCCS and also had an appointment with the CAB who went through my SOA and Debtors Bankruptcy Petition. (Apparently the forms are different from online to the…
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Tricky problem
I was told by CCS that bankruptcy was my best bet (knowing that I live in France). I was on the verge of going bankrupt but was told at the 11th hour by CCCS that because I live in France I could not do this. I have 8K of debts. I posted on the debts forum and have now been told by a CCCS counsellor on the forum that I can…
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Worried stupid (again)
Well, with OH's bankruptcy booked for 8th July at 9.30am, he hasn't even looked at the forms yet! I've filled in as much as I can, but I don't know it all! eg - what tools to list and their value? I've told him and told him, he has to do this and do it properly otherwise, he might be refused and he's just not interested!…
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Seething!
Received a letter today GE Money aka Capital Bank, entitled Default Notice. I had informed them that I had gone BR but that didn't stop them. I opened this account on the 9th August 1993 and not once in 15 years, missed a payment and you can imagine the amount of interest on that. The Default Notice is for the princely sum…
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OR Still investigating after a year!
Hi All Its now been nearly a year since DH went BR Friday 13 June 07! As far as we are aware there is an issue with a car which was transferred into my name well before going BR, anyway have given into this and are doing the necessary to fix it before we sell it. Im just wondering now what will be the next step once this…
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OR Interview later on
Hi guys, Have my OR interview soon, and am pretty cool about it. Just have a couple of questions: - What's the worst that they could do to you? Can you even go to prison/jail these days for anything (Heard that you can't anymore)? I spent a lot of my debt on necessities like food, clothing, transport costs etc, but also…
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Congratulations Fermi
On your promotion to Board Guide, well deserved I might add. I just love embarrassing him:p
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Worth 45 Seconds of Your Time
Hi! Although not directly relevant thought you should check this out. Link to Document: http://www.scribd.com/doc/94518/Attack-Heart-Attack-even-you-are-alone?ga_from_send_to_friend=1 Title: "Attack Heart Attack even you are alone" Description: This power point presents, how one can handle the Heart Attack when nobody is…
