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Car insurance
As you know I went BR in April. My car insurance comes out of my husband's bank account and although I have not driven my car since end of February (since I knew I was going BR and the tax ran our I didn't see the point in paying new tax) I haven't cancelled it. Now this months payment didn't go through and they have sent…
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Help and advice for income and expenses please
Only I will be declaring myself bankrupt, not my husband - see my previous thread. In March he opened his own bank account so I would be unable to have access to the household income. This was a good thing considering the problems I had created, and he didn't do it in a malicious way. My personal income is only 450 per…
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Debts appearing after bankruptcy from before it?
Hi, I am a discharged bankrupt. However, I have recently received a payment demand for a mobile phone that I had 3 or 4 years ago. I am sure I paid this (although it was late) and believe it was to a debt collection agency. I remember the call vividly and can remember exactly where I was and that I was on a lunch break…
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Help and support desperately needed for bankrupty
I've only joined here tonight but after half an hour it's given me so much info, however I need some brains to pick! I'm in debt for about 50k this is down to a failed pub business i leased, i sold my house and put 50K into the business and 18 months later I was forced by my business manager to abandon or be removed by the…
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Can someone look this over please SOA
Heres my breakdown 2 Adults, 2 children and 2 dogs. Incomings CB 125.00 CTC 398.88 WTC110.20 paid to partner Partners 944.66 Total in 1578.82 Out goings rent 320.00 housekeeping 476.66 elec/gas 172.00 prepayment meters water 45.50 phone 30.00 -mobile as I have no landline bt is a creditor travel 132.16- work partner, kids…
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Bankrupcy and inheritance
Hi, Not posted before, but can I pick your brains. If you are a discharged bankrupt but still in an IPA/IPO, at what point would it be deemed that your circumstances have changed. On the date of: the persons death, application for Probate or when the estate is distributed? Many thanks
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Early discharge -how long did it take yours to be final
How long, in reality did it take for your early discharge to go through (from OR letter telling you you were being put forward for it, to you being discharged)?
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ex husband going bankrupt help!!!!!!
hi all this might be posted in the wrong place! My ex husband and i Parted 8 years ago, we got divorced 3 years ago and i have just removed his name from the mortgage and deeds. I have been paying everything in the household since he left 8 years ago. Hes paid nothing for me or the house plus he has not paid any child…
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Business debt?
Hi, I am a long time lurker and now I would love to have some help from you all. Just looking for any info people may have. We are probably going to have to go into liquidation, this is a very hard thing and very stressful, we have been unable to pay our rent on the business, now we owe the vat man and the rates. I was…
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court date
qwertyuiop
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Booked holiday
A have booked and paid for a holiday abroad at the end of September with my partner. I am not yet bankrupt but have a CCCS appointment on 13 August. If they suggest backrupcy, which I think they will, will the OR tell me to cancel the holiday? I appreciate any advice on this matter. Thank you
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Bankruptcy Information
I can't access the Bankruptcy information sticky. Is there a problem or is it my computer AGAIN? Nancy
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Insolvency statistics - 2nd quarter of 2008
Insolvency Stats 2nd Quarter 2008 INDIVIDUAL INSOLVENCIES There were 24,553 individual insolvencies in England and Wales in the second quarter of 2008 on a seasonally adjusted basis. This was a decrease of 2.0% on the previous quarter and a decrease of 8.3% on the same period a year ago. This was made up of 15,297…
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Date set
Hi all-still can't work this site out, i keep replying to myself!! Have just rang the courts and booked a date!! August 26 10 and 10.15am. Thanks for all your advice so far-methinks we will need a bit more in the forthcoming weeks!! Thanks
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Will it end in BR ?
Hi I have been told to post my problem up here as I have had advice from the debt free wannabe's and mortgage peeps too.... My Fixed Rate mortgage comes to an end May 09, now I appreciate that is some time away but I want to be prepared for the worst. I have a secured loan with first plus (yep I am one of this idiots who…
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So frightened of the shame of it
I have come to the conclusion that the only way to go is bankruptcy. I have filled in the online forms but have not found the courage to hit the submit button yet, plus I am not sure exactly what I should be putting in the Income and Expenditure part of it. How to split incomes and expenses etc. We live in a rented house…
