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CCJ - Ill have loads before I get a date :-(
Hello Got a ccj this morning for my water, I already have one for a CC, am I right in thinking these cant be included in my BR, by the time I get a date all my debts might have gone to CCJ, Help............
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married couples both going bankrupt
Can you please give hints and tips about form filling when you are doing it as a couple who do everything from one account. All our money goes in to a joint account and everything is paid by me well, apart from the unsecured obviously, as we wouldn't be in this mess. I just can't seem to get my head round splitting up some…
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even more worried now
hi again and sorry for posting again from my previous posts you will recall that i am due to go BR for a 2nd time at the end of Jan, I am worried sick about my interview, i cant sleep, or concentrate on anything, i know certain people have offered brilliant advice, but i have just read something that made me feel worse.…
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links to filled in forms
I am sure I must be going mad. I have read through a post and someone posted links to pre filled forms to give ideas, can I find it now? I know I should write these down as soon as I see them. Please help. What were they? Thanks.
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British Gas electricity account
Evening all, I've just phoned British gas, following recepit of my latest bill, to give them an up to date meter reading. However, the system wouldn't accept it as my account has a block on it due to insolvency. I've not told them I was bankrupt, and I didn't think the OR knew who my provider was. Perhaps they did? Anyway,…
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Looking for support and advice.
Hi there, new here but not so new if you know what i mean, im a great fan of this website but never had the nerve to post, but im going for it today as i really would like some support please and any advice you may offer, my head is very much sick of spinning now. God where to start! 2007 was the worst year of our entire…
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Renting and moving while BR?
Anyone got time to give me their opinion? My HA flat is only leased to them (it is privately owned) and although I have lived in it for 5 years I would prefer a property that is owned by them and therefore giving me a long term secured tenancy. My present tenancy agreement is short term (only because of the ownership…
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Debt Over £100k!
Hi, please can someone advise or help if they have had similar levels of debt??? Ive breifly told my circumstances on another thread 'advice and support desperately needed' but only one reply so far (thanks deedee) Hubby and I both self employed, combined debts over £100K, all unsecured. Both now find ourselves on little…
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SOA can you please take a look???
Hi can you please take a look at my SOA and let me know what you think. I live with my mum but she was made redundant in November, and suffers from depression and this has made her worst so i'm paying all the bills and I am stressed out big time with all this worry and debts, any thoughts comments will be apreciated.…
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Help i'm confused
. Going to be seeking advise through the correct channels but if someone could give a bit of a heads up it would be much appreciated. We have been told that bankruptcy is going to be are best option so we've come to terms with that. We have had our house up for sale for at least 6 months, which was done mainly to clear…
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Can someone recommend an IP to speak to?
Have a friend who's currently undischarged BR and has some questions about how a future change in circumstances may affect his proceedings. At this stage he doesn't want to ask the OR, but does need professional advice. Would it be an IP he needs to talk to? Or are there BR specialists? Where would he go about finding a…
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questions,questions,questions!
Hello everyone both myself and my other half are going bankrupt, i am just beginning to fill all the forms in, and i have a few questions i am hoping someone can help with. we have some joint debts and some individual debts, which seem easy enough to put on the forms, however, do i put down the rent we pay on both our…
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Done It! I'm officially an undischarged bankrupt!
Hi all, Well it's all done and it went ok. For once in a long time I was early, don't know how that happened, and I had to sit in the waiting room until the general office opened up at 10. The security guard, bless him, remembered me, the girl in the general office remembered me and not to be outdone the court usher…
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would this count as the car is not mine???
hello as most of you know im having my car took off me. my dad had bought my previous car and i have the reciept for that one and he used the money to get me this car (but i couldnt find the reciept). i told the OR on the interview that i had sold my previous car and used the money to buy this one as he asked what i did…
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Going Bankrupt... How will it effect my business
Hello All, I'm currently considering going bankcrupt... I can't see another possible solution to the mess I am in - Although i am still to seek some professional advice! I run a small window cleaning business... The majority of work I carry out myself. But, 2 other guys work for me from time to time on a sub-contract…
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help
hi there when i go banckruped how many hours could i work a week with out them wanting any money i dont have a job at the mo but was thinking of getting a full time job if i can thank
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Outstanding Tax and BR
Hi, If you go BR while still owing Tax and VAT, is this cleared too? I've heard the Inland Revenue are treated differently to other creditors? Any advice would be welcomed
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tax code when bankrupt ?
I was made b/r back in oct 08 i was on job seekers then i had to be signed off on the sick due to a mental breakdown in nov but what should my taxcode be when i get a job . as when the jobseekers sent me mty p45 it said on it 603L so would i get taxed if i got a job ?:confused: cozza
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Update - my court appearance
Quick update to let you all know Fri went fine and I am now officially bankrupt. A company supplier petitioned my bankruptcy - so thanks to them I did not have to find the £495 fees as I was planning on going BR next month anyway. A barrister approached me outside the court room, introduced himself and said "I take it you…
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Gone BR today
Just thought I would let you know my experience today - I went to Court at 9.00 o clock - put my papers in for BR and the Judge signed the papers - went into an office and they rang the OR office and said they would be in touch with me soon. Explained that I needed to keep my Bank open as my wages are paid into it and also…
