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Vol Repo/Private renting?????
I dont know which way to turn, myself and my partner have been advised to go BR by CCCS. My dilemma now is whether to go BR in current home with interest only mortgage and secured loan plus negative equity or to rent somewhere privately, thus saving £500 per month and then go BR?? Probably a daft question given the monthly…
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property question....
Hello everyone, I am hoping (yet again!) to pick your brains.... I went br in april and own a property with my ex that i thought was empty. We have always been civil and i have tried my best to protect him from my br affecting him.... then things went down hill and over the last few months he has become rather abusive…
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Vol Repo V selling yourself?
Hi there, Some may know that we are thinking we are going to give up our mortgaged house and go into rented due to cost of mortgage and size of house combined. We stopped paying the mortgage this month but have yet to contact the mortgage company. We are trying to decide what to do for the best and we thought we should get…
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All Done !!!!!
Hi all-we are just back from the Court-all done! The court staff were very, very pleasant and helpful. When we finally got to see the Judge, he looked a bit like a grandad. He was stern, but by no means unpleasant-so at 11.40 he declared A bankrupt, and me at 11.45. We even went in together-which made me feel a lot better…
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Insurance...
Speaking to a broker today for an insurance quote question 23 have you ever been made or declared bankrupt like its got a bearing on my insurability?
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Notifying OR
Just a quick bit of background : When I went OR i was living at a friends house - we then decided to "live together" as a couple and a little while ago got ask to get married. Apparently, they have already planned most of the wedding! saves me doing it! however; my question is as my income has not changed; neither have my…
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21yo Student; Parents going backrupt.
Hey. I'm 21, starting my first year of Biomedical Science in September and have already had all my Student Loans and Grants confirmed etc. My parents have decided to go bankrupt and I am wondering how it is going to affect me. I do not take anything off them for going to University, but I am classed as a dependant -- I…
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BR back to haunt me....help!
Has anyone experienced or know what happens in this case??? Help very much appreciated In October 2006 I left my property and started procedings for bancrupty, the house was eventually reposessed (I dont know when as I was not living there) I received letters (redirected to temporary address) from the Gas comapny saying…
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Early Discharge??
Hi, My partner declared BR 31 March 08 and myself 01 April 08, both received last Thursday forms to complete for early discharge! We are sooooooo happy that they might consider us and it was earlier than we thought from reading the posts on here. Now we have the forms completed and posted back recorded delivery thid…
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Credit file cleanup...
Hi there, Hoping someone can guide me a bit. I'm 2 days away from AD and have started reading about the CRF cleanup. Can I order these files now or do I need to wait until the AD has happened? I keep reading the guidance but I am struggling to take everything in at the moment. Basically if I can get started today I will,…
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Why does calling the OR's office make me feel like a naughty schoolgirl?
Just an update really,I called the OR today about the increase in my outgoings but also in my wage. He said he would send out some forms to me. He was perfectly civil on the phone but why do I end up in a cold sweat and feeling panicky whenever I have to contact him? December
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Industrial nappies
:eek: Right it's D-Day, or should tht be B-Day? Have paperwork, LARGE NAPPY attached with a big pin-getting scared now. Speak to you all later
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BR 6/12/07 Discharged 14/08/08
I havent been on this board for a while, but just wanted to let people know that i recieved a letter from the OR on saturday to say that i had been discharged as of 14th August 2008. :j I recieved a great deal of help and advice on here prior to my BR date and i am truely grateful for this board and the people on here. :A…
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Cars and BR
Been thinking about this for a couple of days now form infomation i have been told the OR will let you keep any car worth less than £2k and wouldnt be classed as an asset. With regards to SOA having just complete a full service on my car including labour it cost me around about £100. Than road tax each car is individual…
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Income Payment agreement
Hi after a little help/advice I've been declared bankrupt and had a long telephone interview with the OR office, and they've sent me Income payment agreement when i spoke to the woman she said i had a surplus of £100 month and they'd take £50 a month, i've since gone back and looked at my budget and realised i hadn't…
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both going br
Hi both OH and myself are going BR I know we have to do it seperatly but I have seen in the posts to just put my income (benefits) on the SOA and OH as a contribution not his full wages as contributions to household. CSA has told me I have to put both incomes full amount on both forms we have joint account so all money…
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Council house worrys!
Hi all , hello again, i have posted a couple of times about my situation which looks like i will be going bankrupt. After posting on here i feel a lot better about it all and actually reckon it will do me and the family the world of good, getting rid of all that stress and worry which we eventually take out on each other.…
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All done
:beer: to you all-will be in touch tomorrow With so much thanks J & A
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Despatches - Tonight 8pm Ch4
Entitled 'How The Banks Never Lose' About all the tricks and skulduggery they employ against the unsuspecting public. Might just help soothe the odd guilt feeling some people on here may have!
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Can I still have my internet and mobile phone contract?
Working through the process of getting the money to go bankrupt after great advice from you guys :) But here's another quick question, when we have our new co-op cashminder account as recommended can we still have dd's to pay for our ongoing internet and mobile phone contracts? We live somewhere quite rural, so as a mum of…
