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Please help!!!!!!!!!!!!
Hi every body. Iv been reading some of the posts on the forum and i must say that all the people are brill. Now hears my problem. Me and the oh are thinking of going br. This is our stiuaction. Before we got togeather we both run up a lot of debt. (45k). We started with cccs and payed monthy but then i lost my jobs so i…
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BIG Mistake, Will the OR prosecute me.
Less than 3 hrs til court and i just realised! I had a car on HP, i sold it in OCT 07, (i thought the agreement ended in the DEC) however it didnt, it finished in Dec 08,!! I carried on making the payments and its now finished. I havent declared the car on my forms as it was sold more than 12 months ago, but the OR will…
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van on Hp
I posted another thread about my situation but would just like to clear one point up if possible. I have a van on HP this will be the sole household vehicle after BR, will the agreement be cancelled (by creditors or OR) and van returned. It has never been in arrears and will continue to be paid.
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Does the OR touch children's account if in my name?
Hi all Another question for when I finally sort out the BR If my kids have bank accounts but I am the named person on there accounts due to them being to young, but they are named on the account. Does/Can the OR touch this money, even though it is not mine, but I am named on the account? Many Thanks Zandy x
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Please help me co-ordinate my bankruptcy
I really dont know what to do about British Gas, I owe them about 600 for gas & electric (next bill not due for 3 months though) I have to pay DD for 240 on the 10th of Feb, but I go BR on the 13th, will the debt automatically be included in BR or only if I put it on creditors list, Im worried they will come out and cut me…
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What will the OR think
Hello my bank acccount as reserve fee of £500,(beyond a 2k overdraft) the day before BR I want to draw it out and use it for the court fee, do you think the OR will say anthing about this?
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coop savings account
Do you think I will be able to get a coop savings account now I am discharged? they blew me out a couple of months ago, even though I have a cashminder account. Phil
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Will my talk talk landline be ok?
Is anybody with talk talk? will they cancel my service when they hear I am bankrupt, not behind with payments. ( the unlimited broad band comes free with it) Thanks
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Will my car insurance continue as normal?
I am with tesco for car ins, will they let me continue, I pay 56 a month always been on time. I need the car for work Thanks
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Any of you BR's with British Gas?
Hello I go BR on 12 Feb, I was wondering if anybody has gone thru BR with British Gas as their Supplier, Just want to know what to expect. Should I ring them after BR? How will they know to put my account back to nil? I dont want to pay them monies owed for the simple fact that they are robbing me blind, DD now 160 a…
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joint OR interview tomorrow 9am sharp!
hiya everyone hopefully last step in all of this, OR interview tomorrow 9am on telephone for me and hubby - completely pooping myself and got everything crossed it will all be ok. Again have not slept all week because of this so will probably sleep all tomorrow afternoon once over with like i did after the court appearance…
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Insurance Rant
Just been on confused.com to get a quote for household insurance. Most of the companies refused to give one due to bankruptcy, (the question was "have you ever been bankrupt", therefore will probably always be stigmatised). What do they think I am going to do? Put false claims through????!!!! Was not even asked to pay…
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use of credit cards before br?
hello can anyone give advise on whether i can use my credit cards before going br. i have kept upto date till this month but willnot beable to pay minimum payment anymore, spoken to cccs and they have recommended br. am waiting on there team to contact. in meantime can i use cards?? need to buy essentials such as food as…
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Creditors not helping
Sorry to be a pain again Tried CCCS advice and rang a few of my creditors today explaining the situation that I dont have anything left after paying essential bills Offered the token £1 till things improve Was basically told to P Off by a few One even said that if i dont come up with a suitable payment arrangement they are…
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Benefits
Hi, can anyone please tell me that any benefits that we receive ie, child tax, child benefit and housing benefit is that included as your income or not wondering if the or takes this in to account bit confused trying to work out if we go over the £99 surplus or not
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Keeping my car - bought with loan?
Help O Clever Ones...... :confused: I bought my little car 4 years ago partly with my money and topping it up with my first loan from Abbey.. :rolleyes: A year later, I paid off that loan by taking out another one after my Dad died to help with the funeral expenses.... Then... In Nov 07 I did the same, paying it off by…
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How long till the letters stop
Hi Guys Was wondering if anyone could tell me how long till the debt letters stop arriving after BR. We went BR in November and Im still receiving letters from creditors who are still adding interest. Thanks in advance.
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Bankruptcy advice when own home
Hi everyone, have been reading the boards for a little while now and think the time has come to get sirted if we can.... We are currently in a DMP with Payplan but this leaves us stuggling and i cut back on esssentials like food. Me and my husband owe 37k, 3 k is in joint names and my debt and the rest is my husbands. We…
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Big day tomorrow! SOA advice please
I havent included child benefit on this form. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 3 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1400 Partners…
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Are they trying it on
Hiya everyone well our house is the last thing to sort now we are BR we have been in contact with mortgage company ( for those who dont know we moved in to rented accomadation in Nov and stopped payin Mortgage) they sent us a letter confirming we wish to down the VR route now the letter states they will not accept VR…
