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All Done now!!!
As of 11.59am today 14th August 2008. I am be adjudged bankrupt :beer: Went well few panic times so for the help of others I will run through what happened. Arrived at court 10.40am for my 11am appointment, few people sat there as also the family court. Booked in with clerk as security told me too. Well sat and waited…
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Statutory Demand for Bankruptcy
Hi all Can somebody please give me some advice. My Partner has a long standing debt accrued by her ex but is unfortunately in her name. The debt has been passed to capquest. They have issued a statutory demand for bankruptcy. The debt is for £795. My partner works part time earning around £40 per week. She also recieves…
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Who has forgotten to put all creditors on forms
Hi, What happens if I do not put all creditors on the forms? I have been chasing around trying to ensure all debts are listed but I am worried that I may have forgotten someone. Because it was my business failing some debtors are suppliers and are not listed on a credit report Has this happened to anyone else? If yes what…
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advice needed after discharge
hell all once again dob 26/02/08 dod 28/07/08 advive needed please on below items we hold a basic barclays cash card account at the minute and wanted to know what bank accounts could now be available to us now we have been discharged is it better to ask barclays for a upgrade or shop elsewhere ? and now we are discharged…
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re-mortgage or mortgage after discharge
hello all d.o.b 26/02/08 d.o.d 28/07/08 myself and my wife both went bankrupt in feb 2008 and we both received our early discharge notices. we were wondering if anybody could give us advice on either a remortgage or sell the house we are in and be able to get a new mortgage on a new property. thanks for any advice given
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taking the plunge but where is the pool
Hi All After months of soul searching I have decided that I am going to go BR I am currently on a DMP with payplan but owe over 40k and will be paying forever. My fixed rate will end in october and new rate will be 3.84 above base rate and on 194k mortgage I cannot pay that. I cannot re mortgage because of DMP and the…
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advice needed please
My g/f just recevied a letter in the post from capquest debt recovery,it's called a statutory demand for bankruptcy.Can anyone tell me what this is,i've read through it but don't have a clue what we need to do or what it means.Any advice would be greatfull
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after bankruptcy
once bankruptcy has been made are there any payments to be made to anyone or does it completely wipe out all debts
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Applying for a bank account after discharge
I currently have a 'step' account, and I am apllying for a normal current account. It has the question 'have you ever been bankrupt', should I answer this honestly? I have been discharge for five years or so and my credit report has no record of the bankruptcy, the credit report is sparkly clean as well. I ask this because…
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info needed please
hi all im new to the forums and was hoping for some information if possible please. i have reacently completed my foundation degree {mature{alledgedly}student} but am experiencing serious financial difficulty to the point where i am going to have to file for bankruptcy:cry: . my question is in regards to student finance, i…
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PayPal Pre-Paid Card
Hiya all.. Don't know if this will interest anybody, But PayPal are now offering their own PrePaid debit card (Visa). What's different from most of the others is that there are nomonthly or transaction fees. You can topup for a set fee of £1... But it is FREE from your paypal account.…
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or interview help !
Hi All I have had a letter from the OR to go for an interview regarding my telephone interview and would like to know if this has happened to anyone else i went bankrupt on 1st may this year and was expecting a letter asking for my statement of earnings so was surprised when i got this can anyone help thanks
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Matched betting and bankruptcy
Hello again, It looks like I will be going bankrupt as soon as I can get an appointment. One of my main worries is that I have been doing some matched betting as way to make a little extra money as I am unable to work at the moment. I have probably made about £500 profit over a year including some Quidco. This was long…
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What to do next?
Think I am finally facing facts and realising that I should have gone bankrupt the same time as my OH last August. He got his early discharge in April but hasn't got the clean slate really as he is the only one earning so if I pay back my debt then the money will have to come from him at the moment. We have a surplus of…
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What paperwork should I get from OR?
Hi Had my OR interview sometime ago and was told our budget and IPA amount. This has now changed due to me miss calculating the council tax (divided by 10 instead of 12) and the Child Tax Credit has changed from what I thought. I've just received a letter saying the new agreed amount of £206 and about my partners tax code.…
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An ethical question!
Hi all Ok, I have a bit of a moral dillema going on! I'll def be going for BR over next few weeks, maybe couple of months. But my question is this: should I ensure that all my bank accounts - and maybe even credit cards - are at their limits just before I go for BR. What I mean is, on my two bank accounts I have an OD of…
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SOA - Outgoings section
I have just had a look at this section on the form. I noticed that you are asked for evidence of your expenditures. Does that include evidence of housekeeping expenditure as I don't keep reciepts - we shop every day or so as we don't have a car to do it once a month. I can prove expenditures on all our household bills and…
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Reason For Bankruptcy (from SOA form)
These are the reason for our bankruptcy Losing our home. We lost our house that we rented for 11 years. Our Ex Landlord had to sell his rental houses due to ill health. We were given 1 months notice to quit. We tried our local council, they could no offer us an accommodation except Bed & Breakfast which wasn't ideal as we…
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OR is having a laugh! No he's not.....
I have just received an email from Halifax sharebuilder. Many years ago I opened this and put in small amounts of money and made little, took it out and forgot about it. The OR today, has cashed in £31.31 worth of Invensys shares and £1.91 worth of Virgin Media........ LOL! Plus the pennies in dividends its given me over…
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stopping calls
Hi everyone, I've been BR for a month n a half, OR has notified everyone, I've notified everyone and yet HSBC are still ringing about 25 times a day despite each time being told of the BR number. I can't cope with it anymore.. I've told them if they ring again I will report them for harassment but in reality, who do I…
