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Help, getting more confused by the minute!
I have been considering bankruptcy for a while and now feel it is the way forward as i can no longer keep juggling everything, i am just a little confused as i am self employed and am wondering what the implications are as it is not my business which is in any particular trouble, just myself due to my ex dumping me with…
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IPOQ - do they contact employer?
:eek: On the form it asks for Employers name and address and payroll number - does anyone know if they contact them? In my OR interview they took the name and address and the examiner said they don't contact them normally unless they needed to do an attachment of earnings for an IPA.....but just wondering if they contact…
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Assets
Hi, I have a court date through, as some of you will know I've been to CAB and had my forms filled in. I have found private rented property. Now, on the forms I have a motorbike which is said to be sold for the deposit and rent in advance. A car that I bought last year for £800 and is probably worth around £500 is an…
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Another bankruptcy situation?
I've spent a bit of time perusing these forums after chatting with CCCS this evening about what to do about my financial situation. From what I can see there are people on here who have been through situations far far worse than myself and have come through it knowing they have made the right choice. I've been considering…
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Important Service Announcement
If you havnt guessed already:rolleyes: help may be a bit thin on this board over the weekend, due to the yearly meet and the change of servers as anounced by MSE If you are planning to file for BR on Monday please bear this in mind as you may not get as fast a responce as normal so dont leave it till sunday night, as most…
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Going to court monday
Im in court on monday. i have spoken to my bank who assures me i will be able to keep my bank account open but with a cashcard only which is fine but apparently i am not allowed any direct debits? How will i pay my household bills? Does everything have to be cash at the post office etc or are you allowed to pay online? Im…
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More BR Questions..
Firstly, sorry for posting again, but I am very confused about bankruptcy. I have read a few posts from people considering and/or going through BR and have a few questions myself. My first post is here: http://forums.moneysavingexpert.com/showthread.html?t=1122205 This has my current situation and SOA on it. Here are my…
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Scottish Power and BR not responding
Hi Just a note for anyone whos with Scottish Power. I have them for elec prepay and gas credit meter. Contacted them on my BR day with readings etc. They continued to take debt recovery from my elec meter until last Saturday. Took 8 phone calls costing me 34.00 as only got mobile. Was given BR department number to contact,…
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OR interview tomorrow, got butterflies.
interview is booked in for tomorrow. Already think I have annoyed the OR as they wanted it a week ago but I had a holiday booked (a free one, which when they asked me how it was paid for I was relieved it was free!) Been trying to make a list of things they may ask me about (Like the £3000 peronal injury payout I got 7…
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can anyone help?
Im 22 and have almost £13k debt between me & my partner which is managed by the cccs, we also have a £14k secured loan which is now £17k with fees and an £84k mortgage which we have struggled to pay since march 2008 making either no payment or reduced payment. the arrears are now £1100. The cccs have reduced our monthly…
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it going bankcrupt the right thing to do
Hi have a unsecured loan with RBS not able to meet credit committments due to husbands ill health, they have instructed sols to take us to court for a CCJ forthwith to get a charging order, I have discussed every route poss with payplan and NDL don't know where to turn, we have a property value approc £185,000 if we are…
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Yet ANOTHER I&E form to send back!
Two or three weeks after returning the first I&E form of my bankruptcy, they've sent me ANOTHER. Different person requesting it this time - and they are also referring to the bankruptcy order date which is different to the REAL order date. Left hand doesn't know what the right is doing! Oh well, here we go again ....
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Advice Needed
Hi guys, I know i might be going over old ground here, but ive come on here looking for advice. I currently have two BTL properties in NI, one i bought last year right at the height of the boom. I remortaged my first property to put down deposit on 2nd property(£30k), problem is now that the prices have dropped so much i…
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Can't cope for the day?
As some of you may know the forums will be closed on Saturday. If you're really struggling and need advice or just a chat then OTHER BR WEBSITES ARE AVAILABLE :rolleyes: and will be manned (or womaned:p ) during the day by regulars from here -well the ones that aren't off getting rat ar*ed;) . Theres loads of stickies and…
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IVA living expenses versus BR
I keep seeing references to allowable living expenses being more generous in BR but I cannot find any guideline amounts if you go the IVA route. Are there any or is it a case of them being cut to the bone by the creditors/IP?
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Already bankrupt - question about 'assets'
I was declared bankrupt back in March, at the time of the bankrupcy, I had a car that was not officially mine (my name was not on the V5), although I drove it and insured it. However, we have since sold that car and have purchased a different one, of equal value and my name is now on the V5. Do I need to declare this to…
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CRF clear ups
Hi all, just a quick question. If you are writing to the ICO about your entries, do you have to include a seperate credit report for each item, or can you just send the one printout and the relevant number of forms? Regards Kev
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Bankruptcy abroad
Hi, My husband and I are in debt of about £12k. He has been out of work for two months and actively looking for about four months now with no success. I earn enough for us to cover rent but not to live on and in a few weeks we will no longer be able to keep up with our loan and credit card payments. We are considering…
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Thinking of going bankrupt
Hi, I am currently on an IVA and am thinking of going bankrupt as i am still struggling to make ends meet. I pay £211 on my IVA every month and just wanted to know how much i would be required to pay for bankruptcy and for how long does anybody know? Also if anybody can tell me a bit more about how bankruptcy works and…
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What to do post Bankruptcy?
Hi, I was discharged from my Bankruptcy in Feb 2007 (only found out a couple weeks ago though, I was under the impression it didnt end till I finished paying the 3 years of payment, DOH!!) What I would like to know is what I should be doing now to clean up my credit file? I'm going to send a copy of the dischange letter i…
