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bankruptcy petition
Hi When i submit my bankruptcy petition do you think it would be wise to include my last 2 tax returns which show an average income of £660 per month x
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Failed IVA
Good morning guys and gals. Can anyone give me an accurate answer on this one please? I contacted my local county court and asked them if I will need a failed IVA certificate before they will stamp a BRO, she replied NO. My IVA contract states a failed IVA is missing two payments or more. I intend to go BR early Feb having…
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Another useful tip maybe
I did my forms online, and like everyone, was tweeking until the morning of my court date. then at 8am, i take the plunge and decide to submit and print. Ha how stupid was I 3 x Copies of forms, each copy is 34 pages long, thats 102 pages x2 as both of us went BR 204 pages!!!!! it took forever even on fast draft setting!…
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BR Paperwork, OMG!!
Hi All, I am trying to fill in the paperwork at the moment and am overwhelmed by it and don't really know where to start!! Can anyone give me some advice. I don't understand the loose sheet bit at all!! After I figure out what is supposed to be written where it also says I have to sign it at a solicitors or court. Do I…
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Some people on other forums are there to assert their own agenda rather than help....
I am very angry and see this too often. Often it's some rather simple request. Rather than the financial advice they need they are dismissed rather than helped. Just one example. http://forums.moneysavingexpert.com/showthread.html?t=1434811 Surely this sort of "financial" disinformation helps nobody. Surely this means that…
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pay slips and br
When you go bankrupt and have to give in 3 months of payslips is this 3 months up to date of going bankrupt or 3 months before seeing the or? We were going to apply in March but, other half had brill wage slip in this month after christmas so don't want to use that as is a quarter more than usual wage and it will go…
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Bankruptcy & Bailiffs
Hi All I'm considering bankruptcy but I read somewhere that even if you declare yourself bankrupt and your debts are wiped the bailiffs are still able to come to your home to take your goods. Can anyone shed any light on this for me please? Is this likely to happen? Thanks :)
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Has anyone had help from SSTAC
We have sent information off to this service as they are funded by Legal Aid and we qualify for help. Problem is each time you need to speak to them you have to leave a message requesting a call back. The call back takes up to 48 hours and you dont know when they are calling so you easily miss the call! We have numerous…
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Early discharge forms arrived today
Picked the post up today and saw two letters from OR - one each. Oh no they have finally decided to set up an IPA I thought but no it was form to send in to confirm income/expenditure to hopefully get early discharge. This is only 5 months from date of BR - possibly trying to get people early discharge as so many people…
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vol repossesion
just been reading redfraggle76's problems in court with an arsey judge. Do you still have a repossesion hearing if you go for vol. repossesion? Got me a bit worried now.
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is this a loophole?
hello,just wondered what you guys thought about this? firstly we live in scotland so that might make a difference my oh is thinking of br ,he has a mortgage and secured loan of 84k and the house is valued at 120k ,i understand that the or would force a sale to release the equity say 36k,so there fore is it not in his best…
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Bankruptcy question
I am thinking about going br next month with about 30,000 debt. I am currently out of work due to ill health but hoping to get back to work (if there is any jobs out there) next month also. Someone told me even when i have gone br if i then get a job i would be required to pay some of the debt back out of my earnings?? Is…
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Confused, Any advice please!!
Hi all, hope this is in the right place but if not hopefully someone can nudge me into the right forum. Anyway here is the story so far, i lost my job in november and found we could no longer afford the mortgage. i was straight with the mortgage company and told them i cant afford to pay it so we can either try and work…
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Repo hearing today, judge was quite alarming!!!
Had our repo hearing today & the judge said that any shortfall inthe sale of property wouldn't be included in br as br was in dec & house hasn't been sold yet!!!! Spoke to or when i got home & she said that it would be as the mortgage was taken out before br so it doesn't matter when it is sold. Judge also said that he was…
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Confused about SOA!!!!!
Evening everyone, Just a quickie... Confused!!! Going to crack on with my SOA, but, do I have to include partners income?! The mortgage and all household bills are in his name and all paid for by him.... so would I include them? I am going bankrupt for 26k personal debts CC and Loans.... can anyone put me straight!?
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what do I need to take to court
Can anyone tell me a complete list of what I need to take with me on the day??? And also I keep singing Who's afraid of the big OR, the big OR, the Big OR ( to three little pigs tune?) I could be having a complete breakdown, but at the moment I think its a coping mechanism ah ah ah :rotfl:
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qick help please
having read thru about 40 pages , I have picked up on a few things, should I declare myself bancrupt bank loan 3.5k credit card 1.2k bank overdraft £600 outstanding c/tax £120 , bailiff have been , but I refused access gas and electric £500 tax credits £450 (overpayment) vodafone £120 prepayment meters have been installed…
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Can car on HP be included in BR?
Hi all I owe about £2.5 k on my car and was wondering if that could be included in my BR as the company will repossess the car? Its in their terms and conditions. I thinking if i default on the payment I will be able to save up for BR fees faster.
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too much coffee
is it me or has MSE gone a nice green/yellow colour?:confused:
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London gazette
Sorry for being thick, but is it possible to see your entry in the gazette for your bankruptsy and how do ya do it, please
