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OR Interview
Hi Everyone, Hope you are all well! I now have my OR interview booked for the 12th August 10am, what I wanted to know was what do I do with my direct debits and payments that should come out on the 28th? as the OR wont have notified anybody by then will they? my wages are being tranferred to my parents account for this…
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Question re Form
This is my first post, although I have been looking at the forum for a long time and it has really helped. Brief history - my OH and I are going BR on Thursday. OH took voluntary redundancy in December (it was either be made redundant or move to France, so there was no choice). We already had very large debts and…
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after bankrupcy
my daughter is trying to sell her house and wants to privately rent afterwards if she is successful she then wants to leave it a few months and then declare herself bankrupt will it be allowed?she intends to pay a large amount up front for the rent.and she won't actually come away with a lot of equity from the sale anyway
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Claiming bankruptcy- can i move abroad?
:confused: Hi everyone, i was wandering if anyone would be able to help me. I tried to set an IVA up when i had a job to ease the pressures and try and get my debt paid off, me creditors have chosen to ignore my letters and have continued to ask for money- ive tried my best to pay but now ive come to the end of my student…
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Credit Reference File Clean Up - Help!
Hi all, I am currently in the process of trying to get one of my credit files updated but have run into problems. I have sent the letter like in the sticky about "Credit Reference File Clean Up" but the company is not co-operating, they want me to contact the company they sold the debt onto to get this resolved. From the…
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Still not started IPA after 2 years!
I was made bankrupt July 2006 but have still not started my IPA yet! I filled in all the forms (direct debit, signed the agreement) but it has never started to this date. I did call a few months after to see what was happening and was just told "it takes time", i've just left it until now and i'm thinking it's all going to…
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Sponsorships, Loans and Bursaries - undischarged BR
Hi everyone, Am in a bit of a situation and would love some advice please!!!! I went BR this February and am thinking of applying to do a masters...I presume that thats fine (!) but its the money situation thats stumping me. Can I apply for a loan with my bank?! Ive got a Co-op cash minder and they are one of the banks who…
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Have had my OR interview
They seem to be an efficient bunch around here as I only went BR yesterday, lol. It lasted 1hr 17 mins - seemed like a long time seen as I have no assets or income :confused: The lady was very nice, just went through all the details on my form in more details, I did struggle with some of it, things such as what were you…
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bankrupcy costs
is there anyway of help to pay for the bankrupcy fee i'm on benefits and have been advised to declare myself bankrupt but have no way of finding the court costs
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I have done it!!!!!!
I had my bankruptcy hearing at court this morning, I was there at 9.30 and was back home before 11.00. I am so happy, it has been a long time coming and I'm so relieved. I just have to worry about the OR now. Overall it wasn't a stressful experience at all, I arrived at court for 9.30 and was directed where to go. I was…
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Discharged Bankrupt
I recieved my Letter of Discharge last week but am still unsure were that leaves me. Im not an expert in this as was made bankrupt by a company my business owed did not declare myself bankrupt. What happens to my mortgage as i've continued paying throughout my bankruptcy. Can i get a bank account other than co-op…
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Can anyone recommend any BR friendly broadband options?
Since we moved into our rented since our BR, we have been trying to transfer our AOL broadband over to our new house. I reckon about 10 calls in 8 weeks have still seen no joy! So far I have had the following from their helpline: 'it'll take three weeks, use our dial-up', 'our systems are down', 'I can't see a web page',…
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debt collectors at my door...soon
I'm feeling like Mr. Micawber at the moment, holding on for something to turn up, which might just be the debt collectors.. Could those that know point me to threads/info on what debt collectors are and are not allowed to do when they pitch up, what rights they have /we have.... cheers, from behind the sofa Ash
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Can I spend it?
Hi I'm already bankrupt and have had my OR interview but haven't started IPA yet, still waiting for the reports to be finailised. My question is that my account has just been credited with £600 child tax credit (I've just given them my partners final wage and predicted wage for this yr).... can I spend this? I do want to…
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Advice on SOA - Finances going forward
I posted this on dfw last night, but they have suggested it might be better on here, this is our actual living SOA, not the one for the OR with prescription/dental etc etc added on... I went BR today, so have just been looking at our household finances now we no longer need to struggle to meet my debts anymore. Any input…
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debt after bankruptcy
appologies if this question has been asked but i have trawled through and cant find anything. both my oh and i were declared br in dec 2001, under the old rules of 5 years as br and then auto discharge in dec 2006. after we were declared br infact in one instance this year the creditors sold our debt to dcas, and in july…
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Buy to Let BR
Hi I am going to the courts next Monday to register for BR. I have over the last 5 years started a buy to let business (property training companies overestimated the rental able to achieve) and in the last year found that it has become so unprofitable that I am unable to keep up with repayments. I have returned the keys to…
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Car Insurance Scenario
Good evening kind forum members - I have a question. If I have my car insurance through the same company as I have a cc, will they be able to withdraw money from my account when I go br? Indeed, would they still want to insure me? Would it be better to change insurer? Not sure what to do! :confused: I'm probably still…
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interview with O.R for the self employed
I wondered if any body had advice and or experiences of being self employed, we have been for about 7 years. I spoke to somebody today at business debtline and felt much worse afterwards. From making the decision to go B.R within the last few days being 110k in debt and seeing no way out. I am now feeling that this would…
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Is my ex and his home at risk when I go BR?
Okay, this could be a bit long-winded! My ex and I split up over 5 years ago and the divorce was finalised in Jan 2004. I signed a Transfer of Equity form and he did a remortgage on the house late 2003 but sadly I cannot remember any of the values involved as I've tried to blot the whole thing from my memory. I have no…
