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Quick(ish) question
Hello everyone, Firstly, apologies for not having been around much lately. I've lurked and skimmed recent posts - smurked? - but only chipped in when I felt I could actually be of use. (Galling to realise that was just once!) Now to business: Billy has had his hours cut. I haven't done the maths yet but off the top of my…
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Reality check
Only joined forum yesterday (first post "taking a gamble"). Seem to have woken up with a huge reality check this morning. I can't do it. Who am I kidding that I can go bankrupt and maintain the mortgage and two secured loans on my home in the hope of keeping it. They are a large part of why I'm in the mess I'm in. Just…
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SOA - CCCS only advice BR - your advice needed
Hi Everyone, Firstly Hello - please find my SOA below to the best of my ability - it covers my partner and myself. Monthly Income Details Monthly income after tax........... Partners monthly income after tax....... Benefits............950 Other income...............1188........... Total monthly…
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Default Judgement
Hi, I have been referred to this forum for some help. I was wondering if anyone out there could give me a bit of advice. I took Creation Financial Services to court for PPI payments and the claim was made 14/8/2008 and was acknowledged by them on 1/9/08. They did not provide a defence and therefore a default judgment was…
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benefits went into frozen bank account today
:( Any advice on what I can do and is it likely I'll get them back? It's only £43 ctc but I could be doing with it right now!!! Aargh! Thanks.
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Mobile phone contract
Husband is going br on 13th feb, he has a mobile phone contract, will he have to cancel this or can he keep it.
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I don't understand???
Hi all, I went BR on 16th July 2008 and in October I received a letter from the OR stating that he intends to apply to Secretary of State for Trade and Industry for his release as Trustee. Also enclosed was a copy of the letter to the DTI - a paragraph of which I don't fully understand - " The release of the OR does not…
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Public Liability Insurance For Bankrupt
Hi All I Recently Went Br In December But Am Having Trouble Finding An Insurance Company Any One Have Any Ideas Please
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poll tax
I have poll tax arrears (£95). Am i right in assuming i can include this in my bankruptcy and they cant persue me for it. It just someone mentioned you could still get a 'criminal record' for non payment of poll tax even though they couldnt get the money. Should i be worried??
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Potentially stupid question?
I went bankrupt in Sept last year after some help from you all and now I've got a question. I'm going off travelling in Feb for 3 months or so - having eaten beans on toast for months on end to save up! - but my mother is fretting about me roaming the world with just my cash card account and would like to apply for an…
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1st letter from creditor has arrived!
I have stopped payin my creditors, credit cards, this month (Jan) and have just had a letter from one of them asking me to ring them to discuss. I am over my limit on this card, should I do anything or just ignore - am goign br early march. Its put the wind up me to be honest -rather scared about it - seeing something in…
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Anyone going through this alone??
Wanted to start a thread for those, like me, who are facing very difficult debt situations alone and who may be having to go through bankruptcy on their own. No disrespect to anyone on this forum who is married, has a partner or whatever. I dont want to start a pity party (I hate that expression but couldnt think of…
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New!! Plus a few question.
Hello All Been reading lots of threads on here, what a wonderful forum! I've decided to go bankrupt, and I have a few questions if anyone can help? I'am 27, recently got married, have a 2yr old little boy and another baby due in May. The mortgage and bills are in my husbands name, and always have been, even before we were…
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SOA advice please;
1st attempt at the soa on here so any alterations would be greatly appreciated. i have already been on the DMP for 3 years now,sick of the calls for reviews every few months, very tiring & i'll be 100 years old on completion.... maybe have a life then!! lol Had a mortgage before the plan started & the IVA which was…
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worried about br and new job
Hi, Another question for anyone out there that might know, i have recently started a new job working for the benefits agency and am worried sick that me going bankrupt will jeopardise this. Are you an undischarged bankrupt was one of the questions on the application form. I havent lied as i havent actually filed for…
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Soa
Hi all, I went BR in September 2008. At the time I was unemployed as my business had just failed. I am now in work and having informed my OR, I've just received an IPOQ. Can someone please check my figures over and let me know what you think? Based on 2 adults and one child (aged 3) INCOME My earnings - £1300 Wife's…
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Quick question regarding monthly outgoings on SOA
Want to get my Statement of Affairs totally correct and prevent any hold-ups. Perhaps I'm a bit stressed and being over analytical here, but with regards monthly outgoings that aren't made every single month of the year, what is the general rule. For example, my monthly council tax bill is £110, but that is only 10 months…
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BR Questions and my Tenancy - Please help
Hi All Just want to introduce myself and my situation! 2 years ago, both me and my DH went from having paid employment to both becoming self employed (DH a trainee Driving Instructor) and I became a waiting Foster Parent. What I mean by waiting, is that the company we were Fostering for, advised me that if I gave up work,…
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Will it be a new start? Or just back to the beggining?
Hello I posted my SOA last night and one or two people commented on how my gas and elecy was, £120 for gas £100 for electric. Just had my quaterley bills and they are increasing my DD's to ..........................wait for it..............…
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Court & reposession
hello all, the court date for reposession of my house was last monday but i didnt attend. does anyone know if i will receive a letter from anyone saying what happened in court? as yet i havent received anything. many thanks xx
