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Barcalys
Hello everyone, Just wondering if you are made BK and one of your debts was a barcalycard credit card, will you still be able to open a Barcalys bank cash card account? Thanks!! L x
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Council Tax Arrears vs Funding my BR
My incomings dont meet my outgoings, even with excessive overtime and night shifts in between days. This month I've got 3 days off, today is one of them, although I'm working a waking night shift tonight and im off tomorrow (so i can sleep). I have fallen behind with council tax and because i still owed £260 from last year…
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How long are you affected after BR?
Hello, I'm thinking of declaring myself br, I have thought long and hard about this and spoke to my mum. She mentioned that on his radio show ML has said that it is not the initial first 6 yeaars that affect you, but you credit worthiness can be affected up to 20yrs later, ie if I decide to get a mortgage. Is this correct?…
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How annoying RANT!
Hi just want to let you all know something i found out today that may help some people applying for BR. Have been planning BR for about three months, moved in to rented accommodation stopped paying our creditors and followed all the right procedures. Today was going to be the day. So we were all organised ready to go.....…
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changing energy suppliers
hi, a couple of weeks ago i wanted to change our fuel suppliers and go for a fixed tarrif, but i noticed in their terms and conditions that they do a credit check, so i didnt bother. has anybdy else tried to change, or been refused?. its too late now because i think they have pulled the fixed charges, but im thinking they…
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the long and winding road.......advice
hello all...ive been quiet for a couple of weeks as i continue to try to plan my own demise whilst looking at any alternatives to BR..and guess where it got me?? more stressed...less sleep and back to ask for your opinions and help...i am going to go BR very soon..i am now adamant and just to refresh CCCS have advised me…
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one hour to go before OR interview
i am really nervous and i don't know why . I am expecting the worst. i still dont; know when and why i took most of my Loan and Credit Card. i tried yesterday to go through each one of them and coul dn not find any sort of explanation aprat form living expenses. does it matter if u don't know ?
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Br in liverpool
qwertyuiop
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Implications of voluntary reposession
Hi everyone After months of soul searching my OH and I have decided BR is our best option. We have had lots of help from CAB who agree. Due to OH losing his job due to ill health we have no was of paying our 70k unsecured debts. Now we have made the decision I suddenly feel a lot better and hope it will lead to a brighter…
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Newbie
Hello everyone, this looks such a fantastic board, I'm glad I've found it! I'm seriously considering bankruptcy having been on a DMP with the CCCS for about 6 months, which has worked well, but due to have my second baby and go on maternity leave in a few months (I am the main wage earner) and don't know how I'll manage…
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Trying to gain control and losing it
Hiya all First time used this site so forgive me if I need to do more things than putting below. I am desperately trying to get my house budget under control, my husband and I are in debt by approximately £16,000. I have tried to negotiate with our debtors to no avail, I did try and use one of the debt free people of the…
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Newbie BR
I don't know what to say really. Feel a little shell shocked. I have been reading this forum for a long time and I just wanted to tell someone that I've done it, and it was incredibly scary, but.......what a relief when it's done. Arrived at the court at 09:00. Unfortunately it took several hours to see the clerk because…
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Help - Income paid to us jointly - how do I split it??
Good afternoon my life saviours ;) Well another tricky one for you.... I have just looked at how our income is paid to us - although it's all paid into my hubbys own bank account (since March when I confessed all to him). It transpires that nearly all of it is paid to Mr and Mrs XXXXXX. We just happen to pay it into his…
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Should I be concerned ?
just got back from holiday and found letter on the mat ! 5 months into BR and have been called into OR office for second interview to look at spending on a particular credit card and how I ever thought I would pay it back - already answered this in phone interview but clearly they have re looked ? Should I be concerend ?…
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Going BR, few questions
Hi, should have done this a long time ago but have got a couple of questions. I have just had my house repossesed, the OR cant change that and make me keep paying for it can they? I have very few assets (wii, clothes etc), they wont take them will they? I am a self employed taxi driver that has not payed any tax, stupid I…
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What if someone lies to the insolvency service?
It's a really long drawn out story so please excuse the blunt question :o What if someone is declared bankrupt by the insolvency service yet there is clear evidence in the form of a court judgment stating: It should be recorded that xxxxx has had the benefit of £339,000 at the year 2000 values. There will apparently be 'no…
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Early discharge
Hi all, i went BR on 16th june 2008, got an email today asking for an outstanding document and it also said- This is the only document needed before your case goes to Early Discharge so I would be grateful for a prompt reply. so does this that i am going to get early discharge after only 2 months of being br?
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mortgage enquiery
Hi to all again. For those regulars on here that know we have been bankrupt for a whole week ! and feeling sooooo much relief for it i need some new advice please. Have had a phone call from our mortgage provider asking us to make a token payment towards our arrears before reposession proceedings start , i told them that…
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in my current situation should i go bankrupt?
hi my name is natalie and this is my current situation my ex partner had a house i was put on the mortgage i left my partner at the time he wouldnt take me off the mortgage he stopped paying the mortgage so it was reposessed its up for auction in 2 weeks guide price 125 000 but there is 170 000 owed on it, obviously there…
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How long?
From when I ring the court to apply for bankruptcy to actually going bankrupt?
