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Newbie - considering BR
Hi all, I have been lurking here for a week or so while I have been trying to work out my position. I'm not 100% sure but at the mo BR seems to be the way forward. I have debts of £13,500, the loan was taken out before I had my daughter when I was working full-time, same goes for the cc - although I was on maternity leave…
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IPO's and IPO's on benefit income?
As mentioned in my spider post, I am disabled, and my husband is out of work at the moment, claiming Carer's Allowance for caring for me. We receive: Child Benefit (for 2 children) Incapacity Benefit DLA Child Tax Credits Carer's Allowance Small CSA payment We have our rent and council tax by benefits currently I have been…
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Advice please regarding clean up x
Hello, Just ordered my credit file from equifax, as i knew my time was coming up for my defaults to go, as it has been 6 years since date of bankruptcy and default, it actually was last week, so i was wondering do i have to phone them? As they are all still showing or does it take a while for them to update their records,…
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Advice and support desperately needed!!
Hi Everyone, Ive just registered on here so thought I would post straight away. Have tried a few other forums but they all seem to be dormant so this one looks a lot busier! Where do I start?? Well, on the verge of Bankruptcy, Hubby and I both self employed, approx £80k personal debt (unsecured) a lot of which was for our…
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Possibly being chased for debt written off in bankruptcy
Hi there, I hope you can help. I'm in a bit of a pickle right now and am looking for direction and advice. (please bear with me!) I went bankrupt in Oct 06 but I think I'm being contacted for a debt that was included in the final amount (excuse bad terminology/lack of 'jargon') I contacted the owed company (3 mobile) and…
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total mess.. BR will i lose my home ??
ok im in a big mess and have been here postin many times before tho now i really do need to act. i have had debt since i was 18 im now nearly 25 and other than my mortgage of £75k £2,500 arrears tho im payin in a arrangment with them i also have 12k welcome secured loan all this i can pay now im on track my problem is the…
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Date for BR
Hi All, I rang the County Court at Newport Isle of Wight and asked how to book a date to petition for BR. I was told that I did not need to book, just turn up on a Tuesday or Wednesday at 9.00am as they had a judge on those days to deal with BR. Does this normally happen.
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Declared BR - awaiting OR call... what to expect?
After being declared BR last Thursday, I am now waiting for the call from the OR's office which will be any day now. But I am extremely nervous about it. What should I expect? This part of the process seems to be the most stressful for me. I did a really good job filling out my forms (I was told so by the clerks at court…
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Landlord in trouble
I have read about people getting out of pub tenancies. My friend us really struggling and the property company is refusing to budge on rent. Shortly they will run out of money. They have about 22 years on the lease. If they go bankrupt surely the they wouldn`t be pursued for the remainder of the lease or have I got that…
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OR interview in 1/2 hour - aaaaaaagggggggghhhhhh!!!
Interview is at 11, we have poorly 3 year old, whining baby and mental parrot! Im scared and relieved all at once. Im as prepared as i can be, but dont have all the dates etc of credit taken out - i do know none has been since well before christmas 07! deep breath, deep breath......................... :eek:
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I've had my working hours cut..
I am currently 7 months into my bankruptcy, and currently paying £175, because i have a no tax coding, as part of the bankruptcy order. Since the first of January i have had my working hours cut by 4.5 hours per week due to shortage of work, which roughly equates to 160-200 pounds per month depending on how many weeks in…
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Tweak your SOA for OR Interview????????
Morning Everyone!! :D Is it true you can tweak your SOA for your OR interview. I've a niggly feeling that i didn't do my soa on the BR forms to the best i could of done. Can you make slight tweaks and inform him on the interview, or is that it? If you can i'll post it up and you can help me. BR-Jan 14th 2009
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I've been evicted from my flat.
I'll post a bit about how I got here later, for now I am getting advice from CCCS and want a little advice pre SOA or budget sheet. I am very kindly being put up by friends, but I need somewhere to live. I'd like to know what I would reasonably be allowed to spend if renting somewhere. I take home 1300 monthly, am single…
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The Fear !!!!
Hi everyone OR interview this mornin 9.30 i have not slept a wink just wanted ask have not put kids dinner money on SOA its 74 a month for 2 kids but should this be comin out of housekeepin which is £500 for 2 adults 3 kids Also im sure they will tell me i cant have car expensise on i use sis car for work MOn Tue and to…
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Im really scared
Didnt sleep last night, woke up feeling sick this morning, I should have saved the fees by the end of the month. My tax credits have fluctuated this year hes gunna poke his nose into all of that , my mum was my registered childminder, so instead of giving her the cash I used to buy her shopping using my card, or pay her…
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Please help, what to do?
Hi everyone, Have been reading for a while, but now plucked up courage to ask for help :) . Sorry if I go on a bit, but I'm in a really bad place and not quite sure what to do.. I'm 20 years old, and somehow have racked up £10k of debt and don't really have anything to show for it, just my own stupidity. I've contacted…
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Can any one explain the buying beneficial interest process to me please?
I have briefly looked into it, and understand if there is no equity a friend can buy it for £1 to prevent a later sale. Its the mortgage bit I dont get, surley my mortgage company have to give permission? My conveyancer said my brother would have to go on the mortage??????? What??? Who in their right mind would put there…
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has anyone got a list of the amounts the OR allows?
eg haircuts house keeping etc etc
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Am I reading too much into it...
Hello I might be worrying unduly but, am I right to think the OR will look at my statements to check my spending habits... If so how many years? I have three children and work full time, so my childcare costs are massive, I get 70% of these fees paid via WFTC, my mum is a registered childminder and for 16 months she was my…
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Mortgage after bankruptcy?
Please can anyone advise who has already gone BR or going BR how long it actually takes before you can start again effectively? People seem to say different things obviously people arent let off lightly however I am now 30 and would like to think if I go BR that I could start again in the next 6yrs but is that unrealisitc?…
