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Outstanding student loan after bankrupcy?
Hi again, Once again I'm emailing on behalf of my girlfriend who is out of her bankrupcy as of May this year. We recently recieved a letter however from Capquest recovery compay on behalf of Student loan company in Glasgow. She apparently owes £3500 from 8 years ago when she was at uni. Obviously, since then she has become…
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SOA. IPA total ?????
Hi If I post my SOA would you kind people be able to work out for me the amount of a possible IPA. I know it is a bit cheeky but nothing ventured etc :D
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Help-My Landlord has become bankrupt
I have just found out that my landlord has become bankrupt and their estate has gone to a corporate restructuring company to whom I now have to pay my rent. I paid a deposit before that scheme came in last year protecting deposits. Is my deposit in jeopardy and what are my rights as a tenant? If they tell me that I will…
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miss sold IVA
has anyone on here been miss sold an IVA from synergi partners formally known as capital insolvensy? thanks drayton
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Release
Had a letter today dated 30th july:eek: ,3 wks ago from the IS. Saying the trustee is applying to the secretary of state for trade and industry for his release as trustee. He has enclosed a summery of his receipts and payments for my information. If i am not already discharged,his release will not affect upon the date of…
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just a quick question,im going into rented
accomodation,once im in there i will be applying for Bankruptcy,ive spoken to the CCCS about this and they said to check my 'Tenancy Agreement',to see if it mentions anything about bankruptcy in it as the Landlord/letting agent will be informed about the bankruptcy when it happens,i have been through the agreement and it…
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Debt after discharge ??????
Hi I would like something clarifying please. When I first posted on here that I am Bankrupt, I had a few congratulatory posts and a couple in particular said welcome to being debt free, and I think this is the view that a lot of people have of what going Bankrupt means , your debts are wiped out . My experience to date is…
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a very vague SOA !! need help please x
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 800.67 Partners monthly income after tax....... 0* Benefits................................ 0 Other income............................ 0 Total monthly income.................... 800.67 Monthly Expense Details…
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Question about car
Hi All, My friend is currently going through bankruptcy in Scotland, and we have a bit of a difficulty. Three weeks ago, the administrators turned up at his premises and seized what they thought was his car, but its actually mine. I bought it from him in May 2007 but he is currently driving it and is the main policyholder…
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Anyone gone BR @ Bristol County Court?
Hi, I am declaring myself BR tomorrow at Bristol County Court and was just wondering what to expect? I am really scared but luckily my OH is coming with me for moral support. Also, what is the OR like in Bristol, what can I expect from the interview? Will be so glad when all this is over :(
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creditors not met for IVA can u do BR??
Asking for a friend please. He has started to set up an IVA but his creditors have not had their meeting yet. Plus his wages are less this month and will continue to be so, the IVA company still want an amount based on his last wage as manager. If the creditors have not met and he has made 1 payment to the IVA company. Can…
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Step (or section) 13 of Online SOA
I have a few questions about step (or section) 13. Other Infomation Have you made any composition or arrangement with your creditors in satisfaction of your debts? YES/NO What does this mean as I tried to do a self managed DMP last year - do I tick yes or no? _____________________________ Have you entered into a voluntary…
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Bank Acounts
How far back would they OR need to see with my statements? And do they go into every transaction ? ie why did i buy that etc etc regrds Rob
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Debtor's Bankruptcy Petition - Form 6.27 Help
I have begun filling form 6.27 in. It is giving me a real headache , the form is hard to understand - even with the guide on the CAB website. I am stuck with sections:- (G) - Insert name of court - with in the district of (f) [this court] (G) county court. I am presenting my petition to this court, as it is the nearest…
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Thinking about bankruptcy
Hi all, I posted on here about my decision on going bankrupt i do think it my be the way to go but i have a few more reservasions, First i am currently split for my wife we have not lived together for a year now, would my wife be affected by my bankruptcy?, also i currently have a co op basic bank account i opend it when i…
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BR help from a newbie
Hi Guys, I'm wondering if anyone can give some help. I'm going to see the CAB on Friday but wanted some advice beforehand. I'm currently living on my own after my ex partner recently left and I'm left to pay all the bills. I take home £1830 per month but have massive debts. Debts are: Mortgage (in joint names still but me…
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Prepaid Cards
Hello everyone I seem to remember reading a post where someone had listed most of the pre-paid cards that are available, together with charges etc. I've looked & looked but can't find it. Anyone have a link to it? Many thanks T&D:D
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OH Wages
Hi all, Thanks again to everyone who has helped me so far. Just a quick this time. Why does the OR need to see my wives wage slips. I have no income myself and which does mean I have no outgoings. I understand I have to show what has to be paid each month from food and mortgage but as all of these are being paid by my wife…
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Possession order
Hi all, Not posted for quite a while, Went bankcrupt march 2008, big relief:j Now have been issued with a possession order, it states the defendent gives the claiment(NR) possession of property on or before 09/09/2008. My question is, is that the date i have to leave the property? what is the next step? I have been to see…
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thank you everyone!
Hi everyone my partner and I did the BR thing today!! thank you all, for your help and support of myself and others who find this forum, and can again see light at the end of the tunel. :A we didn't need to see the judge,I think he/she was busy with other things. the clerk was gentle with us. not half as scary as I thought…
