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The Date is set....Can anyone help? IsFunny Post
Hello Everyone I told you I would get the ball rolling, opened my coop account and went to court, the hearing is at 9:30 on the 12th February, she offered the day after, Friday the 13th, erm thanks but no thanks ah ah ah!!!!!!!!!And its all thanks to you lot giving me courage Thanx, Now for more questions.......Sorry!!! 1.…
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Newbie going BR
Hi All, I had an interview yesterday with the CCCS who said the best option for me is to go BR, didn't sleep at all last night with stuff running through my head spent most of the evening on here reading lots of threads......it does scare me.......I have just short of 20k of debt spread over 4 credit cards, buried my head…
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Help fine tune my SOA!! Please.
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 2165 Partners monthly income after tax....... 0…
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Better to do it yourself or let Inland Revenue do it to you
I have been thinking of going bankrupt for quite some time I owe about 120K including 33K to the IR The other day I got a letter from them saying that as I have not paid my file has been passed to their collections department and are looking to make me Bankrupt I own a small shop, small stock, little turnover. I live in…
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thinking of bankruptcy, question about dvla
This is my first post, i have been reading into bankruptcy on the forum for a while now. I have quite a lot of debt which has built up over the past 7 years since i was 18. I have always kept my payments up until the last few of months when i have started to struggle. I am self employed and was on a good wage upto about 6…
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Handing The Keys Back???
Hello guys and gals, Having now settled into rented accomadation and awaiting my BR date of the 6th febuary, When do i hand the keys to the house back? I want to enter into volo repo however do i call the mortgage company now or wait till after i am declared bankrupt on the 6th febuary? After all we are now out of the old…
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Can you be a student/recieve student loans when bankrupt?
I was wondering if during your 1 years bankruptcy period, are you able to attend university degrees and receive loans/maintenance grants? or do you have to wait till your one year is up? thanks!
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Can anyone please advise?
My Husband and i are both on IVA's which we have paid every month without fail. I have just been made redundant, and despite looking for over 80 jobs i have not yet found employment, and to be honest i am starting to panic a bit, and wonder how on earth i will meet the payments on my IVA in JSA which i will have to start…
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please help us
Urgent advice needed my husband is classed as self employed he has a lease on a public house and the debts are huge. This week already we have had 3 bailiffs at the door and no doubt there will be more. As well as letters from debt collection agencies there are also nasty phone calls from a company called wescott. I have…
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Can my dogs be taken?
Hi all Read a post the other day which said someones pets might be taken away. I am almost certain to be going BK and have two quite expensive dogs, is there any chance they could be taken from us?
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Redundancy Payment
Hi, me again:j just to finish me off my work has announced job cuts and me being one of them:mad: the only good thing is that i will be entitled to some redundancy as yet no idea how much, my question is what do i do with the money?? as i am going br in a couple of months it would be useful to use it to pay my fees is this…
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BR and the utilities!
Hi all Belated happy NYs all round. Chances are I'm going to go BR owing npower (gas and elecky) and BT (phone line) money. I'm trying to pay a bit off but no so as the OR notices. Does anyone know what happens if I do owe them at BR? I'm going to rent afterwards and am going to need utilities obviously! Will they want a…
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Stressed!!!!!!
Hi Ya I need some advice please.. I have my appointment at the court on Thursday, Forms are all filled in applied for a new bank account with tho co-op last week which was approved on the phone, got told that my welcome pack would come in the post within 3-5 days.. so I have hung on and waited , I needed to tell my…
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Help again please!
Hi everyone, Due to your help and support after my last post, I've done it and booked to go to court next Tues (27th) I am absolutely terrified, and hoping it will be ok. Its 3 days before my baby is due, so I'm praying he'll hang on in there till at least Weds! I am completing my reason for bankruptcy at the back of the…
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Quickie re forms
Just another quick query re forms, is there any part of the form where I can add additional information for the OR. I can't see it on the IS online forms unless i'm being dumb?? Just want to mention that my husband went br last week and ask for them to be linked and to explain that our SOAs have been done jointly so they…
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BI letter
Hi Guys, Just got a letter from the OR re: Beneficial Interest in my house. Does this man the equity? ( in negative eq ) I am handing the keys back to the Mortgage Co . Do I need to do anything? and who owns my house, the OR or the mortgage Co?. Just curious? Thanks
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Went BR yesterday...
So i had my BR appointment yesterday at 10.30am, wasn't nervous until i got there thanks to all the excellent advice and information i had read on here. So i saw a lovely lady first who went through paperwork and explained what would happen. Did the whole non-religious affirmation and signed it all. She even said that she…
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advice needed
hello there, Please can tell me if it is possible to keep my house and still go bankrupt. Iam self employed and have got a couple of loans and a vat and income tax bill that i can't afford due to business been really bad over the the last couple of years. I can afford to pay my utility bills, house hold expenses and…
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Proof of Bankruptcy
Hi all. Can anyone confirm whether I will get a 'brave boy' certificate before I leave court on day of petitioning to prove I've gone BR? I want to send copies to creditors as soon as I get home if you do, try and keep them from phoning every 5 minutes. Cheers!
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reminder about tonight
Just a quick reminder for those who might be interested. It has been made into a sticky but if you are anythng like me i don't tend to look at them very often:o Tuesday 20th Jan, BBC1, 22;35, Bust: http://www.bbc.co.uk/programmes/b00h50j7 ''Bust is an intimate portrait of families struggling to cope with personal debts, as…
