-
Advice On Going Bankrupt
Hi there I am after a bit of advice please ..... Me and my husband are jointly named on a northern rock together mortgage and a secured loan and I am considering declaring myself bankrupt. Our mortgage is 97500 plus 30,000 loan on top then a secured loan of 26,000. I also have unsecured debts of 13,000 and I have…
-
OMG help!!!
Help - got my or phone interview this wednesday - just reading through the forms this pm and theres loads of stuff i should of sent and signed by tomorrow - I cant even find half of it and it says that if i completed my soa online there should be another form to complete once ive logged in but I cant find it? an electronic…
-
Help With The Br Form
I have been scanning through my BR forms and notes and notice it asks to list my assets. I obviously have furniture for the house and I have a car which is loan to me by my mother as my partner took the car when he walk out some months ago. I guess they can not touch the car but what about my furnishings will they take…
-
Life after bankruptcy
Hi all, As a current bankrupt, I have been thinking about my future...mortgages/rentals/bank accounts and much more... Would any of you be interested in sharing some of the obstacles that you have had following your discharge (if any) and how you overcame them? Thanks in advance Casper81 :rolleyes:
-
Question about online forms. please help?
Hi all just filling in my SOA's online bit by bit, Just stuck on this question....:confused: 10.1 Give the names and ages of all occupants of your household and state which, if any, are dependent on you. Well I live with my mum who has no job and is suffering from depression so I am paying all the bills ect, do I out her…
-
More Problems.
If it's not one thing it's something else! Ten years ago. I returned to teaching after taking early retirement. If in this job you retire and then return, your earnings are limited ie salary of reference. I could sweep the roads, no problem but not teach. Anyway I informed Teachers Pensions before I started and asked them…
-
Discharged.. need help please with SA
Hubby was BR, discharged at the end of 2006. He was/is self employed, allowed to carry on trading because he was a sole trader (painter and decorater) Anyway, we did not receive a tax return to fill out and have realised with a nasty jolt that this coming deadline this week would be our first since the discharge. To cut a…
-
Buying The Bi
I've just received a letter from OR asking if i want to buy BI, i do want to but i have equity at the mo, mort of 62 and valued at 80 minus 7 for the price of lease so 11k equity...of course this will be reducing each month at the mo with property prices the way they are. If i write back now and say no, when will i hear…
-
Soa
Hi again, My wife and i br in court tuesday,,,,, in doing our soa we are having to juggle some figures so as not to come out with a minus figure. How is it viewed coming out with a minimal amount expendable cash or in fact zero..... Thanks everybody.....
-
Halifax SOKA form
Hi Had my response from the Halifax to my letter advising them we will not be paying any more of the mortgage and will not oppose repossession. They have said if we feel we have no option, we should both go to a local branch with i.d, hand over the keys, and sign a SOKA form. Is this the form i should avoid that will make…
-
Court Date Tuesday, Vol Repossesion
Hi Again, Last minute things, we are now in rented, mortgaged property is empty, do we just call up the mortgage after the court day and let them know they can repossess,,,,,,,,,any suggestions greatly appreciated....
-
Aaaarrggghhh!!!!
Well they say it comes in threes :mad::mad: Our washing machine broke down a couple of days ago and I couldn't find a replacement on Freecycle :rolleyes: so we bit the bullet and went out yesterday and bought a new one, £245 down the drain. Last night our car broke down, drive shaft has gone completely :rolleyes:. £70+vat…
-
Bankruptcy and emigrating
Does anyone actually know wheter being a BR discharged or otherwise prevents you from deserting this country? I would love to go to either america or Oz.
-
Upgrading a cashminder account.
Has anybody been successful in upgrading their cashminder for a normal current account with coop after discharge? Phil
-
Court Date Tuesday
Well its here day after tomorrow, i still quite cant believe it.........just finished forms and ready to print. My wife and i are going BR together i think the soa is in order there is hardly anything left. Any last hints or tips and thankyou in advance for help so far and i am sure still some more questions to come...
-
help with the forms
Hi all i am currently filling the forms out online and just need a little help please. 3.7Do you own a motor vehicle or have you disposed of any vehicle in the last 12 months? i bought a car last year for my girlfriend,it was in my name at first,then i transfered it to her name in december,do i have to list the car here,or…
-
Bro / Bru
Hi, If you get a bro / bru are you still discharged after 12mths but have the restrictions upto 15 years or do they not discharge you and you remain as a bankrupt? Thanks
-
Bankruptcy Petition
Hi All, I was going to petition for my bankruptcy in March / April, However this morning at 0855 a member from court served a petition on me to be made bankrupt in Feb, i dont mind this as i did not respond to the stat demand and it saves me money, However i would like to know:- 1) Do i need to attend the court hearing? i…
-
Getting hold of previous bank statements
Hi all, Still in early stages of considering bankruptcy. Hubby and I have £15000 of credit card debt, accumulated over past 8 years. Apart from our wedding, a holiday and car repairs, this debt has grew largely due to a shortfall between income and expenditure. We certainly don't live a life of luxury! Anyway, my prob is…
-
First attempt SOA - advice pls
Good afternoon all. Could you please cast your eye over my first attempt at doing the SOA. The surplus for debts is high as I haven't included my car repayment £181.92 a month as it will be repossessed or any of my unsecured credit debts I currently pay. Also my income is doing 2 jobs at the moment (53.5 hrs a week) which…
