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Mse-bc Meet 7 hrs to go
Just thought i would add this in case any other newbies ect wanted to join us. The meet is at the 3 pears worcester premier inn on sat 30th aug 2pm onwards. EVERYBODY/ANYBODY IS WELCOME REGARDLESS OF STATUS! Oh and i just checked the weather for that day and it looks like being a nice day!!!! OK sorry to keep on but it is…
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Thinkin gof Bankruptcy after long talk with cccs
Hi I have been on a DMP for over a year now and its been going well all my creditors have been ok, some have sold debts on to collection agencies but even they have been ok an not aggresive with me. A few months ago my personal circumstances changed and i was unable to pay as much into my DMP, i currently owe £24,425 and…
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For Gerberus
Hi Gerb Tried to send you a private message in response to your kind message. Unfortunately your account is set up so that you can't recieve messages. Many, many thanks for taking the time to write to me, it really was very kind of you and much appreciated. take care Dorothy ;)
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Please help - I'm losing sleep over possible BR!
Please help if you can – I’m losing so much sleep over my situation so I’m going to post all the info relating to my situation. Any help would be appreciated a million times over! I was married but separated and later divorced (broke up 2 years ago, divorced 1 year ago). This left my ex-wife to live in the house we had a…
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Life after bankruptcy
I go bankrupt 9.15 am on the 21st August I was really looking forwrd to it till I checked what my income and expenditure was going to be after Bankruptcy :eek: :eek: :eek:. Income: £60.50 per week IncomeSupport out of this I have to pay £5.00 per week for Rent Arrears as I am subject to a suspended posession order and this…
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Abbey - Basic Account
Hi, I went BR yesterday and began to worry about opening a bank account as co op application was referred. I read on this forum that someone got an Abbey National account so I thought I'd give it a try. I called them, told them I am BR and they said they don't run a credit check for the basic account. So I went to the…
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Is it worth me working??
I have posted this on the tax credits board, but I have a couple of extra questions relevent to the BR side of things that I wondered whether you guys could help me with. Specific BR questions being; At the moment I have been told I might be eligible for early discharge, would working affect this? How long does an IPA…
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Help with Names of companies on credit report.
Afterchecking my credit report yesterday with Equifax, Experian and Call Credit, i have some information on there that is incorrect and would like to challenge this. The problem is that it does not tell you the name of the company who you had the debt with. Is there a way of finding this out so that i can start cleaning up…
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advice needed please
Backgound - I was made bankrupt by a creditor in April 08, Yorkshire Bank allowed me to keep my bank account. Problem - I went £18 overdrawn for approx 9 days, this month. As I sold something on Ebay last week I withdrew the funds from my Paypal account to the Yorkshire bank account. This payment entered my account on…
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8 weeks on (almost): 2 questions
Good morning everyone, On Monday it'll be eight weeks since we did the dreaded deed (June 30). Phones are blissfully quiet, post down to a dribble of grumpy/threatening letters from the secured loan monsters, not a squeak from the mortgage people, first IPA chunk due Sept 1. Two little questions: I've had a statement from…
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11 months into BR, now letter from OR!!
Hi All, My automatic discharge is 21st September. I have just received a letter from the RTLU asking me to confirm the source of the funds I used to fund my BR petition; I have 21 days to respond. During my OR interview, I admitted that I had used some of my bank money to pay for the petition, and this had taken me…
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bailffs
does anyone know if banks DCAs (moorcroft) send bailiffs around? my friend is in trouble and is worried about it. I told him to go bankrupt but he said he cant afford to? he is sitting here i am showing him this site and how friendly people are thanks in advance
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Renting when Bankrupt????
Thinking Bankrupcy might be the only option left for us after IVA was rejected by MBNA 29% of vote and voted "No" despite being offered 46p in the £. We are attempting to negotiate with a final offer of 70p in the £ but i am not hopeful. They seem determined to reject the IVA no matter how good an offer we put forward:mad:…
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Barclays.
I have spoken to the National Debt Helpline, CCCS and the CAB who have all advised me to go BK so me and my OH have now booked my app with the courts for 19th September :eek: I currently have a current account with Barclays. Now do I have to tell them that I am going bankrupt? Will they close my account and thats it or…
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Incorrect information on Credit File after Bankruptcy
Im new to all of this forum posting but i am just after a bit of advice really. I am a discharged from being BR and have been since 2006. I have only decided to check my credit reports now to see how they look after being BR, as i am trying to rebuild my credit rating back up and sort out my credit files. I thought that…
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Paying back any shortfall to secured lender??
Hi all, Have been wondering what happens next with the vol repossesion,i went bankrupt in may and owed the mortgage co £147,000 but with also a few thousand pound interest added for not being able to pay,also a secured loan for £20,000 this is in mine and my wife's name the mortgage was just in my name, the house was…
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What Does This Mean?
Hi, Received a letter this morning from the Insolvency Service which reads as follows. I am writing to inform you that your bankruptcy file will shortly be transferred to the regional trustee and liquidator unit for this office. The RTLU will deal with any assets remaining in your estate and payments that may be made to…
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New car situation.
Ok, so they came and took my car , yes it left me right in the poo!!! My GF and dad have put together and got me another van, what do i tell the OR? Who do i register the car in.....ie name? Cheers guys.
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BR today - Co op account referred
Hi, As of today, I was made BR. Mixed emotions really and feel like the hard part is yet to come -OR, getting a bank account, people finding out at work (maybe). I went straight to Co op to open Cashminder account, they were really nice but the application was referred. I took plenty of ID with me which they copied and…
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Just had OR inerview
Just had OR interview and i can say it was not the nicest thing i have ever done :eek: anyway he went through SOA and said he had no interest in my car as i need it for work. I have to pay £75.00 for 36 months and will be discharged within a year. Any comments (is this normal) Thanks
