-
Is BR the best option??
Hi everyone, I was wondering if anyone is able to help me. I am currently 12 months in to an IVA with Blair Endersby. They have recently reviewed my I&E. I do not earn as much as I was doing 12 months ago when the IVA started. I was told to ammend my repayments while the new I&E was sent out to my creditors to see if they…
-
Trustee & Creditors meeting after discharge
Hi Everybody. Looking for some advice. I was automatically discharged in July. Was made bankrupt by IR for money i didn't owe. Advised to let it go through rather than fight as also in middle of divorce. My case was handled by the OR throughout. Had initial meeting and little other contact throughout. In the middle of…
-
SOA for next Tuesday
:eek: Hi all-here we go!! Both myself and OH are filing for bankruptcy next week. We had a really crap year last year with various things. But fortunately for me we are staying together. Regarding finances bankruptcy is our only option. OH is a self-employed builder, very average monthly income is 1400. I work at a school…
-
BR and Phone Contracts
Hello, Was just wondering if you could help me?! Can I apply for a new phone and contract whilst Im BR? Or will I be told NO, NO, NO!! And if I do fail the Credit Check (which is what I will do), can I get a guarantor? And most importantly, am I allowed to do this when im still undischarged? This week, my parents got a…
-
excellent advice but just a couple of question
Hi, allthe information everyone has been sharing has been great advice, we are in the same situation and plan to move to rented accomidation and let the house be reposessed, however when we move should we tell the credit card people and all other people we owe money to our new address, and should we declare ourselves BR or…
-
Next Tuesday B-day & Not Birthday!!!
hI ALL. We are both going BK Tuesday, both starting to get stressed. We had helpwith our SOaS from a non-profit debt counsellor, but we have a surplus of about £300. Can we have help 'changing' it if i post SOA tomorrow? Sorry to keep asking questions,we get inspired on this site sometimes,and others a bit miserable. Wiyh…
-
Hey BH
It was not an attack BH , You have a lot to give to this board and on occassions I would support you.I feel that whilst ever you are trying to resolve your situation you should do it on the DFW board and not take pleasure in having a go at the unfortunate people on this board,and like I said should you fail I will be the…
-
house at bankruptcy
hi all, still not sure wether to do BR or not, just a general question, i have a house and its in negative equity, got 21k worth of debt. if i go BR can i say i dont want to keep the property, how does it work??. also my friend has said i could move in with him and he wouldnt charge me much but what about him giving me a…
-
19 yrs on do i still have to say i have been a bankrupt
Hi It's roughly 19 yrs since my ex husband and i were discharged from bankruptcy. However on certain forms (insurance etc) "Have you ever been bankrupt" comes up as one of the questions,don't want to lie and say no but don't see why i should still be penalised (SP) for something that happened a long while ago. It's hard…
-
how much should i say?
hi everybody, been to my CAB appointment today with the debt advisor , she thinks that bankruptcy shouldnt be a problem but she couldnt really sort out my out goings today as she needs to know how much my fella is earning, as he is self employed and in the building trade there isnt much work on at the moment so what should…
-
Savings account accepted for undischarged bankrupt
I know there's a lot of threads about bank accounts at the moment, so apologies for another one... but just posting this in case anyone is after a proper savings account whilst still undischarged... I went into Chelsea building society today and spoke to a lovely lady there about my bankruptcy who put my application…
-
Bank account Pre/post BR
Hiya all, As I'm on the home stretch now (I'm ignoring the ongoing Car issue and desperately trying to think positively right now), I need to think about bank accounts and starting to rebuild my life, so question - should I just wait until after I am discharged to get a bank account (I don't currently have one), or is it…
-
Vol Repo
We are looking to do a Vol Repo. I've read that you can write to them but also go into the bank and return your keys that way. I thought it would be easier to go into a branch. If we go into branch I assume I will need them to sign something to confirm they've recieved the keys, what info do I need to make sure I get from…
-
Halfway to Freedom!!
Well, perhaps not quite as severe as that! But I am halfway to Automatic Discharge! :T:T I have just under 6 months to go now and I cannot believe it has gone so fast. I am posting this really for Newbies - there is light at the end of the tunnel (you can buy yourself a new bulb out of your surplus :rotfl:). I am one of…
-
In A Quandry
Hi gang, We've been to see the CAB for a 3rd appointment and I'm confused. We were all set (as advised) to stop paying creditors/mortgage etc - which we have done and make the call to N/R to inform them of our decision to go for Volutary Repo, then go and do the BR. The advisor from CAB reckoned that we should delay the BR…
-
Bank Accounts post discharge??
Hiya, Does anyone have an updated list or link for bank accounts when discharged? Thanks
-
AMEX threats to make me bankrupt
I recently received a letter from amex. They haven't heard from me in many years and now they have caught up with me they are threatening to make me bankrupt for £2000 debt. I am on income support and incapacity so cannot pay, can they really do this to me?
-
savings after bankrupcy
I am a discharged bankrupt for two years now, i have a current account with the cooperative bank, I have recently been left some money, and i have been turned down several times for a savings account, any ideas?
-
court action
hi all, does anyone know what is minimum amount that a company will take you to court for? i had a mobile contract with bt, i had it for the duration of the contract and at the end i went with t mobile. i cancelled the contract and recieved a final bill ( said on it final bill) i paid it, since then they have tried to bill…
-
Coping with the mental strain
Does anyone know what to say to headache on this thread? (S)he seems confused. http://forums.moneysavingexpert.com/...html?t=1096603 I wondered how different people cope with the mental strain of going bankrupt. The practical matters are different for everyone, that's why I'm trying to get educated beforehand and why this…
