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br question
just a quick one, can i go br and not my wife? we have a total of £66000 debt of £55000 is in just my name the rest is in a joint name our house is worth around £105000 and we have £85000 left in a joint mortage. if just myself applyes for br would my wife have to redo the mortgage and buy my half?
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Kind of given up, but need some help
Hi Everyone. I finally (after years of messing about no less) did a CCCS debt remedy form. Now although I did over estimate a few things, it turns out that I can barely make ends meet and to pay my creditors at this rate wouldnt happen ie 21 years (before I forgot a few items I hadn't added) So I am thinking bankrupcy, as…
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Reposession and council tax liability - help!
Hi, As you may remember I went BR in January 2008. I owned a property which I left last year to try and sell as vacant posession which then eventually formed part of my BR estate this year. The house is has since been reposessed. The OR said in January he would write to the council so ensure I was not liable for council…
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Had Or Interview - Queries
Hi all Husband and I had our telephone interviews yesterday. Went though the figures and we had just over £600 disposable income (just given house up and moved into rental). He said they would want 70% as being over the £600 band the sliding scale puts us into this band. Does this mean that if the disposable income is…
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When are you mortgageable again
Does anyone know, when you are mortgageable post Bankruptcy, I realise during the Bankruptcy 12 months that its out of the question, but how long after discharge. And is there a sticky anywhere that lists or details companies that have accepted such people. thanks
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Getting new place?
Morning all. I wondered if someone could help me out with a query I have. I was declared bankrupt in May this year. I am currently in a FT job which pays £21k per year – after all essential expenditure each month I don’t have any spare month left to pay creditors, so currently just pay £250 which I would pay towards tax. I…
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Which banks are more BR friendly
Could someone please give me some advice as to what banks are BR friendly, I was discharged back in 2006 and I haven't been able to obtain an account, except a saving account, and what are the best ways for me to start inproving my credit rating. Any help please.:rolleyes:
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my soa...please have a look
This is for 2 adults, a 3yr, a 5mth and an 8yr we have stay over every other weekend. My husband is currently un-employed, just been laid off from his contractors, was self-employed through them. Any input would be great....looking into bankruptcy at the mo. Statement of Affairs and Personal Balance Sheet Monthly Income…
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Council Tax Bill.....
Hi all, I have recieved a council tax bill dated 15/08/08. The thing is, I have been bankrupt since February this year and have not lived in that property since last year. In fact, the mortgage company have finally got round to taking the property back last month. The bill relates to this tax year. Should I advice them…
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IPOQ Advise needed
Hi, 9 months after BR me and my OH have recieved a IPOQ as i have started work again. My Household income is £2025 this includes my Child Benefit and Child Tax credit for my two boys who are 5 yrs and 8 yrs. My household expenditure i can get to £1715 but this is quite generous but takes into accoun the present food/ fuel…
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BR stories, good/bad
Hi everyone, Was wondering if there were any people out there who would mind sharing their life before and after BR. If they are glad that they did it?? Regret their decision?? How thier lives have been affected since becoming BR. Has it work out for the better/worse. People on here are going to get sick of me asking…
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Give a warm helping hand to Kerry Katona
Seems like Cheshire favourite single mum has been BR'd today, wonder if she'll still be occupying her £1m house in cheshire with her poor excuse of a fella news here http://www.itv.com/News/Articles/High-court-declares-Katona-bankrupt-681586867.html
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mmmmmm
had a IS letter about possible early discharge, asking about employment (nil) and income (nil) and contribution to household bills (nil) as i now live and sponge off the wife (easier than grafting all day) at first glance this gives a £130 surplus monthly (be still my beating heart, oh joy), but its not my money, its the…
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Help with bankruptcy
After talking to the National DEbtline as recommended here, they've advised going bankrupt rather than a DMP. We rent and have been here for over a year, the first 6 months we had a 6 month contract and then agreed with the landlord to go on a month to month rolling contract. 8 months later they still haven't bothered…
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c`est la vie
I`m about to go BR myself and for anyone worrying/stressing etc i just wanna say its really not worth it. At the end of the day we got ourselves into financial difficulty- SO WHAT! Its really not the end of the world, if anything its a brand new start and for most its yet another lesson to be learned. I know i`m certainly…
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quick questions ref bankruptcy
Hi, i am new to this so bear with me. My husband (of 3 weeks!) and i are looking into the bankruptcy route. We have debts totaling £12,370. These are mostly in my husbands name. My question is therefore does only he apply for br or do we do it together? We currently rent a home and want to stay he fore the fore seeable…
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Co op Account
!!!!! !!!!! !!!!! Just gone oevrdrawn on my cashminder account by £8. Anyone knows what will happen. Its the first time its happend.:mad:
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Really starting to prepare
Right folks-more help wanted from you lovely lot if you please. Just going through preliminary SOA for next week can someone have a dekko for figures-so very grateful. I would use a proper SOA but i'm so thick on the computer Rent 520 H/Keeping 700 (2 adults 2 14 yr olds 2 10 yr olds) Elec 136 high! PO payment card-not…
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Working abroad(temp) during/after bankruptcy
Hi, once i have been made BR i would like to look into moving abroad for a few months to work (just bar work or something) as i`ve always wanted to do it but my stupid debts have held me back. From what i`ve read elsewhere moving abroad during BR isn`t a problem but would i still be paying into an IPA if i`m earning a…
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Update
Hi all Thought i would give you all a quick update. Still not BR ( been trying since about march ) Bump is slowly growing ( baby due around feb ) Still fighting DFD for our cert of non compliance so we can go BR. To be honest its all gone a bit quite, no more nasty phone calls, letters, no nothing!!! Not sure what there…
