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House repossession - can anyone clarify some things pls?
We had our telephone interview with CCCS on Monday so are now racing forward with our plans :) On their advice, I have now spoken to both Northern Rock and First Plus to let them know what we are doing. NR have said that they are going to send us some forms to fill in to state that we are voluntarily surrendering the house…
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Individual Voluntary Arrangement vs bankruptcy
Hi, i have posted a couple of posts stating that i am probably going to have to go BK, however i have been told about Individual Voluntary Arrangement. what is the differnce between them? mel
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IPA questions
When I had my interview, which was by phone, we reached an IPA agreement right there and then. Subsequently, when I called in to hand over my cash-in-hand it was lowered a bit due to my wife's IVA. Does the early agreement of an IPA mean that your case is straightforward?
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Really in debt and stressed
Hi everyone I am new to this site but have already found some kind of solace in the fact that I am not alone. I am in 5 figures of non-secured debt and also have a secured loan against my property. I am working on an SOA and will post this later on as soon as it is complete, as I want it to be accurate. I do have a…
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48% increase in house repossessions!!!
Just been on the news theres a big increase in house reposessions!!!! Its not good news :shocked:
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Should I go for repossession?
Hi, I moved from Wales to Devon some time ago and as I was unable to sell my house I have rented it out. However, this year things have gone wrong, the tenant has not paid rent since January 2008 and the letting agent has not done anything about it and does not answer the phone. I have travelled up there only to find the…
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I'm back
I think I wore myself out with all the studying, plus I've had some family stuff going on, all of which brought my depression back on, so I thought it was best to stay away from here for a while. :( But I got my certificate last week confirming I passed my broadcasting course :j which cheered me up & I'm feeling a lot…
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Hello and nervous about situation.
Hello all, I've been around mse for a few years now and have picked up lots of budgeting tips, I claimed back some bank charges about 2 years ago. However I split from my husband 14 months ago and until a few months ago I was coping with the repayments from mainly my student debt and increased credit offered in that…
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bankrupt but why does one bank still keep writing me letters
i was made bankrupt on 6 may 2006. (the best thing ever) but hsbc (or the collecting company "eversheds" ) still keeps writing me letters . does any one know how i can stop this? the other 5 banks and card companys have stopped all this .
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Token Payment Nightmare
I'm intending to apply for bankruptcy as soon as my oh is off my bank account and in the mean time was intending to make token payments to creditors (as recommended by CCCS) BUT HOW DO i DO THIS WITHOUT A CHEQUE BOOK OR PAYMENT BOOK AS CREDITORS WONT ACCEPT OFFER OF TOKEN PAYMENT? Any one else had this problem - literally…
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Looking at assets - WWYD
Sorry for the very inane question but I hope someone can help me. It's my birthday next week and I'm getting money from pretty much everyone. I want to put it all together and get one thing but this is going to cost just short of £200. Would I be better to wait until after we have gone BR? We let the mortgage company know…
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Benefits
Hi I get DLA and incapacity beneit are these taken into account when going br
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Hope this is helpful!
Hi All, In my spare time for years i have done online surveys and today i had one about financial hardship and BR. At the end of the survey they added names and descriptions of companies that can offer help so i thought i would copy and paste it here and i hope you find it useful. Citizens Advice (CAB) Citizens Advice is a…
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Re-Using Old credit card accounts after discharge
I have recently been discharged from my BR, today I received a statement from American Express showing a zero balance (I had no debt with them when I went BR). I sent my American Express cards to the OR when I was declared BR, and declared the account on my SOA. My question is would I be allowed to request new cards from…
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Stressed & a bit scared
Hi All - Not been on for while as been busy BR-ing, so to speak. Have moved to rented accomm and booked BR date - 4 Sept. However, just got a letter from loan/cc company entitled 'Legal Action pending' threatening solicitors action and bailiffs and earnings attachments, etc, etc. I know these letters are meant to scare and…
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Income/Expenditure help needed
Hi Everyone, well it seems my BR may be looming ever closer! I owe the HMRC 12,000. I have tried writing letters offering payment, but surprise surprise they ignored them! and today they have sent a bailiff, we werent in,but i have rang them. they say the next step is court, i am unsure wether they will send another…
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bank account
the co op refused me as i was overdrawn with them they refused as well my appeal . aparently i have been told that from now on bankrutp who have debt with the coop will be refused a new basic account as per their new security measure. anyway i have applied for a basic ban account also with barclays it is well over two…
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Bankruptcy - My Income
Hi, Me and my partner are going to file bankruptcy next thursday (14th august) and i was wondering what to put as my income on the petition. My partner has earnings of £0 as he's self employed and made a loss last year, I work part time and earn £ 9,500pa. We get help from tax credits and working tax credits of about…
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FAO Dalip can you please clear pm box
qwertyuiop
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Nat West Step Account - not closed...
Hello :D I've just found out that the Nat West have kept our Step Account open. The OR said that they would be informing them that they had no interest in the account (this was done in April 08) - and the account is still active. I've just spoken to them to change our address (didn't mention the BR, of course!:eek: ) - are…
