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What can you do or not do when bankrupt
When i go bankrupt in aug when i get my redundancy money from my job what can you do beinging bankrupt and what can you not do as well as what jobs will it effect me getting ? can i get some one from the cab to help me with the form ? cheers i would like some info thanks
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CCCC Appointment done = DMP
Hi All, I had my Appointment Friday which was alot easier than i thought, They advised i go onto a DMP which im doing through The CCCC. Just a couple of questions if anyone would be kind enough to help me out. They have asked for my last credit card statements but my Egg card is done online so can i print off the details…
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OR Interview this morning
Hi all, Had my OR interview this morning, 13 days after BR court. Went well (i think) OR very pleasant and nice, lasted 50 mins. Only thing OR asked for is records of a LTD company that i closed down earlier on in they year and paper work is in order so there shouldnt be a problem. Strange but i should be happy now that i…
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Dont know what to do
Hi I am new here and just after some advice, I started a business almost 3 years a go it is a franchised business it was going well at the start, but then I moved premises to a more expensive retail shop on advice from the franchisor, since then it has gone downhill I owe almost £50,000 to the franchisor 12,000 to an…
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Went BR on Friday 25/07/08!!!!!!!!!! need some answers..
Hi guys , well the day came and went, i went to B/Ham County Court/ Civil on Friday, was well scared. The women who looked after me on the day was FANTASTIC, real nice women. The Judge also helped me in the way of something missing on my forms, i had not put my Girlfriend as having a BI to the house, when he quized me…
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OR Interview Tomorrow!! Eeek!!
Hi The OR rang this afternoon and has arranged my interview for tomorrow morning at 10am over the phone. I was really surprised to be having it so quick as I was only made BR yesterday but am relieved that things are moving quickly as I just want to get it over with. She sounded really nice and said it will be going over…
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Clueless needs help!
For 3 years I was on a DMP with CCCS and was going well until after the birth of my son (now 9 month so no mat pay). As there is no way we can afford childcare for us both to work I have now no employment. This left me with no income other than Child benefit and so CCCS had to cancel DMP as they can not accept child…
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Coming To A Head.....
No Content.
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Will my creditors do a deal if I can sell my house?
Hi All I’ve been reading this forum for a while now and the experienced advice and heartfelt support have helped me come to terms with my own extremely ‘tricky’ financial situation. So I just wanted to briefly outline my position and see if anyone can supply any advice! Basically, I have a house worth about £230,000 with a…
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Nil rate income tax code?
Is it true that if you are made bankrupt,you can be put on a nil rate income tax code? if so,for how long? what happens to the tax that you dont pay? can you just pocket it? Isnt it a bit like a wage increase for being irresponsible?
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Quick Q about Motorbike
Almost 2 years ago my OH went bankrupt, the OR said he could keep his bike as he needed for employment. His Time was up in December and when we do a HPI check on the bike it says tha black harse still have an interest in it????He would like to Part exchange it but obviously can'tAny ideas would be greatly appreciated…
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house keeping and frozen account
I read that OR class £170 as a normal amount for hosuekeeping for a single person . What do they class as housekeepin ? is this just food or clothing too ? Alsocan you tell me once your bank account as been frozen by OR what happens to your DDs for gas electricity etc and fuel and food ?
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coop bank account
hi everyone i have a bit of problem with the co op... i hyad appliedfew days after my bankruptcy . i called them on the 19 th to apply for a new bank account with them they say i will have to call them on the following wednesday to see if i will be ok to open a new bank account. so on wednesday evening ( last week) i rang…
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Default dates and taking Data Controller to Court?
I was made discharged from Bankruptcy Aug 07. Having applied for basic accounts and been rejected I queried the credit reference agencies which originally showed nothing untoward (other than bankruptcy!). Anyway a link with my old house shows a default with Lloyds bank still outstanding. Having read a great link on here I…
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Run up to BC hearing - help please!!!
Hi, I need some help: My husband is about to be made bankrupt and I'm trying to deal with the practicalities where I can before it all kicks off and really could do with some help. We have a joint account which we both pay some money into top cover household bills etc but most of the bills are in my name. If OH is made BC,…
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Collective noun for Bankrupts?
Feel free to move or delete this Fermi if it's not suitable.... but in my office we've been trying to find out what the collective noun for bankrupts is (we do do some work sometimes!!) and despite googling and asking around no one has really come up with anything.. Just wondered if anyone knew what it was or had any…
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Unfreezing an account?? Urgent!!
Hi I have finally managed to get through to Working Tax Credits after trying for a couple of days and it is too late to stop the payment going into my HSBC account for Thursday. They have agreed that in future they will send a giro until I have my bank details for my coop cashminder account I am opening. The problem is…
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Disablity allowances and banckruty
As both me and husbands only incomings is the disablity allowances for two children and child tax credit and our carers allowances and it is paid into his bank account - I do not have one anymore since I tell him I been gambling on internet. We cut up cards and went to cccs When i go bancrupt will they take the money we…
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What debts are allowed on Bankruptct petition
Hi I have my appt with CAB to fill in Bankruptcy petition papers on Aug 5th and my appt at court on Aug 21st Can I put C/Tax arrears and Council Rent arrears on the bankruptcy forms. I am subject to a suspended reposession order on my flat provided I pay my full rent and £5.00 p/w off rent arrears. Im off work at the…
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home visit fron TSB
Hello:hello: I have nt been online for ages as i gave up my job in favour of agency work and feeling much happier now ..well that is until tonight when a "counsellor" from a debt collection agency the TSB employ came a knocking on my door :rolleyes:. Actually in fairness he was very pleasant to deal with and i mentioned…
