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house value
another question. How does the OR value houses. I have had three estate agents round to value mine and they are similar. One agent has written to me with the value. Would they accept this or will he employ another surveryor to value it
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After 6 Years do i have to say I was Bankrupt
Hi there, I've been wondering something for a while now and hope that someone could help! I'm coming up to my Bankruptcy falling off my credit file along with everything else, I have been told by Natwest who I tried to get a credit card from that once it disappears from my file I no longer need to say yes to "have you ever…
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Backdated dfw money goes into bank acct same morning as bankruptcy????¬¬¬
:mad: :mad: :eek: :eek: :eek: phew after picking myself up of the floor after major panic attack I need some advice please. I have a HSBC Basic bank acct and now DWP have decided that they owe me 6 weeks backdated IS, that comes to £396 and was supposed to be paid into my acct this morning so as usual nowt there.. I phoned…
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Help
Hi All, I am thinking of declaring my self bankrupt but I have a few worries about doing so. Firstly I run my own small business and I rent a van every month from a car hire firm. Will I still be able to do this after declaring my self bankrupt? I can not work with out it and it is also my only form of transport. I use a…
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Power2Contact and Bankrupt
Hi, i have just recieved a letter through the post from a company called Power2contact on behalf of the phone company called "3" They are trying to collect the debt that i owe the "3" company from an outstanding bill that i refuse to pay as i was overcharged. Does this company have the right to enter my home or make legal…
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Bankruptcy & Private Renting
Hi Our current business is just in it's 3rd year of trading. But we're having financial difficulties @ the mo. Due to 2 customers not paying us 1 is a Registered Charity that owes us £5,603 & the other is a Pub who owes us £1,164. This has caused us soo many problems as technically we're about a month & a half behind with…
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clearing out accounts before br
qwertyuiop
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fuming at halifax..... .
the title says it all went today at my branch to withdrawe my wages and closed down my bank accoutn at their request. i was told no sorry you can't withdraw we need a fax from the OR.... then i told them that they had received a letter from the OR last month saying that tmy OR has no interest into this account whatsoever…
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Yipeeeeeeeeeeeee!
:rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: Bl**dy hell!!!!! I can't believe it, I received EARLY DISCHARGE couple of days ago. As some of you already know I've been checking the register from time to time:rolleyes: and low and behold this morning it was there, right in…
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Roof is leaking!!
WIth the very heavy rain recently, H noticed that the roof is leaking. Called the LA, and they sent someone round yesterday. He took one look and said it's going to need a proper roofer to check out tiles and everything like that. Searching for DDs purse, I stuck my hand down the back of the sofa that is in the hallway…
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Silly question time
Hi I am at the moment mulling over several options regarding my Debt problem.If I was to go down the BR route I know that your bank account is closed etc. My question is when you open your new account is the money in it yours or do you have to ask the OR for money for food etc. For example if my wages get paid into my new…
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Coop turned me down, now can't pay rent, OR calling at 2pm. Am sinking......
Hello, the coop said on the phone i could have a bank a/c and would send me an agreement letter. Just recieved a letter saying they WON'T open me a cash a/c. Thanks to all who supported me in earlier post to go for it with coop but it seems that the rumour that they are now clamping down on a/c's with people who owe them…
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Six momths Up Front and Guarantor
We are looking to rent a house in the very near future and we went BR at end of july. Sorry if the answer to this question is obvious, but when a letting agent or landlord asks for six months up front, is this just a deposit and you have to keep paying monthly thereafter, or is this effectively your rent for six months? Am…
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New Credit Builder!!!!!!
FIRSTLY.... i dont know if this is already known but here goes.... ive been insolvent for several years now and im really struggling to get credit CURRENT ACCOUNTS ...NO CHANCE ....so i spent time findin basic bank accounts i could get.....so yeah IMAGINE MY SURPRISE when i got the most basic clydesdale bank account…
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Getting things into perspective before the big plunge...
Hi Everyone This is my first post, I'm abit nervous but here goes with my tale of disaster. I have been reading this forum, as many before me no doubt, with a sense of relief as it has dispelled many of my irrational fears and inaccurate hearsays that surround insolvency. However, there are still, I’m sorry to admit, quite…
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Being made BK v doing it yourself
Hi All Is there a difference in terms of how it affects you between a) making yourself personally bankrupt b) someone making you personally bankrupt I'm under threat of b). Should I just let it happen rather than have to get £450+ together to do it myself? I've no assets or anything of any value (before edit: [Is there a…
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Bankruptcy and self-employment
Hi everyone - I've been lurking on the forum for a while and gaining much strength and hope from you all. Has anyone experienced going bankrupt if they are self-employed? There are no employees, it's just me - no partner. The debts are on credit cards and are partly business related and partly personal spending, all mixed…
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Zero's diary of despair
I've been reading for a few weeks and would appreciate any help because I'm in a mess and at a bit of a loss and head burying. I owe so much money- £205,000 mortgage (930mth) £11500 loan(276mth), credit cards £3190 (100) and student loans £8000ish (75)but not paid for 5 mths. My ex partner is joint name on mortgage but has…
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Another online SOA Question
I am stuck with a couple of sections in the online SOA form. Section 3.2 Endowment & Life Polices. Does any other person or oraganisation hold security over policy? What does this mean? My husband and I have a joint insurance policy - does that mean that he holds security over the policy?…
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A bankrupt assaulted, in a dire situation - any help appreciated
My first thread, but I didn't know where to turn. Thanks for reading, and any advice is greatly appreciated. Please note, you will not understand the relevance to bankruptcy until towards the end. A brief background story. March 2006 - Went bankrupt. Like so many others on here it was unavoidable and not really of my own…
