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going bankrupt - a few questions
I am new to this site but know that everyone is here to offer advice wherever possible. I seemed to have lost the post I spent AGES typing! So will make this brief I have a couple of questions re bankruptcy:- 1) Do they come to your home to remove goods? 2) I live in rented accommodation and understand the landlord is…
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Newbie? should I or not?
Hi I'm new and need a little advice. I have alot of debt and after talking with the CCCS it has been pointed out that me and my OH should think about going bankrupt. However the idea worries me. I work full time and have a good job but our outgoings are way more than my income. We are £400 short for just our livings…
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mortgages
Hi everyone, My question is, How hard is it to get a mortgage from now as i was discharged on 19 July 2008? And are any banks recommended? I have just sent off letters to old crediters to update my files. I hope! Thanks:confused:
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OR Interviews
OH and I had our OR interviews today. Went okay. OR confirmed both cars are exempt as we need them for work and they are under the threshold. We went over other items. We mentioned that we bought our daughter a laptop and various other items of expenditure over the last year. He didn't say whether he was going to take…
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New and worried
Hi, I am new on here, and I just wanted to ask some questions so if anyone had a couple of mins to answer I would be really grateful. I am saving up for the fees for BR, I expect to have the in Sept/ Oct. I am not currently working and I have a baby son, so I live off CTC, CB and my husband (who has his own debts but does…
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Struggling with dh's debts
Hi We are really struggling with dh's debts now. I went BR last week and hoped that things would be ok and we would be able to slowly clear his debts. He is self employed and is worried that if he goes BR he will lose his business. He has put his heart and soul into it and doesn't want to have to close it down. He is an…
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NHS Student Bursary
Hi In 2004 I started a nursing diploma and received an NHS Student Bursary. I had to leave the course after 10 months and it was discovered that they had overpaid me by £1700. I offered to make payments of £20 per month (in September 2007) which was all I could afford and they refused to accept. My parents at the time had…
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Can he ask for it all back? - Update
I have bent a couple of your ears on here about my situation (which has helped a lot, thanks) but thought I would do a thread in case anyone has been in my situation or has heard about anyone in my situation? I keep reading on here about quick OR interviews, and the OR saying, everything is fine and not to worry....but…
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life insurance
Does anyone have any experience of life insurance companies writing to you about your bankruptcy ? i've just had a letter from our joint life insurance company telling me i no longer have legal rights to any future claims these have been transfered to my trustee in bankruptcy, the same applies to my husband as we are both…
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Questions re OR from first-timer
Hi all, I was declared bankrupt (I petitioned for it) at the start of July and have a few questions if I may? I'm a self-employed sole trader, so all's fine there. The judge at court was an absolute sweetie and really very sympathetic when my case was brought up, as the whole thing was really down to a divorce many years…
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Is bankruptcy the right option for me?
Hello everyone, I first posted on the debt free wannabe site, but I have been advised to post on here. I am looking for your opinions. I am 26 and this is my situation: Hello, I am looking for some advice about my current debt situation. I am currently with payplan on a debt management plan with my husband. We owe…
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OH Credit Score Way Down
Slightly off track here but still related to my BRc, I think? My wife credit score has taken a dramatic tumble to 95 point :eek: She has a clean credit file, no missed payements etc. I got hold of her file and the only thing I can see that might effect the score is I am listed 5 times as having a finacial connection. Would…
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I just had a letter from the OR
I was declared bankrupt on July 22nd and have just recieved a letter from my OR (which I was expecting).. I have to fill in the usual forms and send them back but the letter says she has decided that it is not necessary to interview me at this time. So does that mean i won't be having an OR interview unless something…
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Obsessed with checking I.S register!
Good morning everyone, Does anyone know how soon the register is changed once you receive early discharge. Its coming up to the 57 days point after returning my ED forms and yes I know that I may not receive ED for whatever reason but still I can't help myself!!!! Everyday, .......well thats a fib, more like 3 times a day…
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Bankruptcy and mobile phone contracts?
Hi all, finally getting sorted thanks to the old bankruptcy and attempting to start installing thrifty ways of saving money.. however I spend a fortune on pay as you go mobile...... has anybody had problems trying to get a mobile phone on contract once they have gone bankrupt.. any ideas who the best are to try so I can…
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Need some advice ...
Though it's not for me, someone I know has just told his partner he's got financial problems that'd been kept secret from her - not 100% of the amount but I think it's around the 20k mark on 2 credit cards. He has no assets (they live in rented accommodation, and he has a company car) - is bankruptcy an option for a debts…
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Prisoners sentances can be spent, yet you will always be labelled a bankrupt
This one gets me a lot. As you may know, my partner is bankrupt yet when it came time to shopping around for house insurance I noticed a large percentage of brokers, comparison sites and insurers themselves ask the question - Are you, or anyone else living with you, bankrupt or have ever been declared bankrupt? So never…
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Credit When Discharged?
I was discharged in May. I really need a new car for work. Am I legally allowed to apply for credit to buy a new car now?
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Protected Trust Deed - Applying for a Mortgage Once Discharged
My OH signed a Trust Deed (Scotland) in November 2002. He was discharged in April 2008. We are finding it quite difficult in getting a new mortgage; despite only requiring it over 8 years and only requiring a 40% [we have over £100k equity]. I have an IFA looking at our best options. One of his suggestions has been a…
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Time until OR interview
Hi, Has anyone filed for bankruptcy in the Royal Courts of Justice, London recently? If so, how long did it take until you had the OR interview? Thanks
