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Can they take my pet Tarantulas and Snake?
Hi. I'm new to the forum. My husband and myself were declared bankrupt last month. We had out phonecall from our OR last week. We didn't declare these on the SOA as we were told by the CAB that they werent assets, but in general convo with OR my hubby mentioned our Tarantulas and snake. Let me stress that they are only…
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Where to start
After years of burying my head in the sand i have decided to confront my debts this year for my wife and kids sake. I have been on the forum reading a few threads regarding Bankruptcy so i will apologise now if i repeat any questions that may have been answered before on here. What will happen to my business im a sole…
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Upgraded to Abbey visa electron and not discharged yet!!
I went BR in May last year. At the time my Abbey Basic account got frozen for about three days then ''released'' again. Since BR I have been using my new Coop Cashminder account and the balance at Abbey has floated at around £3. With rubbish debts/financial situation before the BR I certainly don't have an attractive…
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Considering it, really need advice
Hi, My name is Mike and I have been browsing these forums for a while now, and I see a lot of people in the same situation as me. I also see a lot of people that really care about each other, and give great advice. I could do with being part of this family! I am 33 years old, and I currently live with my Dad after my…
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Not sure what to do now.
Hello Im in the process of saving up my fees so that I can apply, having made the decision a couple of weeks ago, I felt better as soon as I had made the decision. I need my car for work so hopefully I wont loose that, my house is in negative equity so hopefully I wont loose that either.(single with 3 kids) I have a joint…
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Soa Help
hello can anyone advise on how my soa looks. all this info is based on me recieving job seekers allowance,and living at my parents house Statement of Affairs & Personal Balance Sheet Summary Monthly Budget SummaryAmount(£)Total monthly income240Monthly expenses (incl. HP & secured loans)315Available for debt…
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SOA check before OR interview please! LONG POST WARNING!
ok have put this into a new thread to save reading through the other one :rolleyes: :D here is the original final SOA put here which everyone thought was good below Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 3…
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due to go BR, mum buying me car for work?
Im due to go BR in Feb, I currently have a ca on HP which will have to go back when I go BR. due to the location of my work I do 280 miles a week to get there, so I obviously need a car. My mum has recently got a loan from barclays for a few home improvements and said she would buy me a car for £2.5-3k . It will be…
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Joint BR
Wife and I have date set for end of month in court, will the official receiver allow us to be interviewed together, as wife wont have a clue to any of the questions as i deal with all money issues (which is why we are here probably)!!!!
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New SOA to work with
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1069 Partners monthly income after tax....... 0…
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renting
hi, can anyone help me. i was declared br on 16th nov 07, got early discharge in july 08. last year i met a lovely chap and we want to start a new life together and move in. we are looking to move in together soon, his credit score is perfect and he is aware of my br, however just wondered if anyone has any advice for me…
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More help required with form please q8.4
Hi....sorry for being a pest, just realised not completely filled in every question (how did that happen?). Anyway question 8.4 on the form wants to know 'does anyone else have an interest in any of the properties that you own, rent or lease?' Don't own any property at the moment. I rent the house we are currently living…
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Going bankrupt
Had my own company, took a massive bad debt, I've spent 3 yrs doing 80 hrs/wk to try and put it right, can't do it any longer. House is almost in negative equity. Have decided to get out, give it back to bank, rent new house and go bankrupt. At least then I get a clean sheet otherwise I'll be an OAP before I'm clear. I've…
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Discharge
Afternoon everyone! Just went on the insolvency website and it says I been discharged! :T What is the next steps in sorting out my credit reports? + I am currently got NT Tax code on my wages which I pay to Clarke Willmott. I only have 3 more pay in slips from then (which runs upto end of March). What happens when they run…
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Where?How?Do I Start To Sort Myself Out????
I can probably answer the above question myself. Stop spending, pull my head out of the sand and see the light and gain control. This morning I was wandering around Ikea and very nearly ordered myself a new couch:eek:, nearly 5 hundred pounds, when only last night i had made a pact with myself to stop spending and go down…
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Discharge
Hi all, My wife recieved her letter of discharge yesterday (yippee) it is dated from 6/1/09. I assume that as the OR have finished their business with us that mine will soon follow. How long do the insolvency service take to update the website to ous discharged status? I'd like to thank everyone here that has given us…
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Income figures for self employed
How do you work out income for the form when you are self employed, my husband is a self employed brickie and last month his wages dropped by a nearly a half and this month is going to be bad as well, he goes br 13 th feb. As his wages are up and down how do we put it on the income section.
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Criminal BR - help needed
Hello there. i am new to posting, but have been reading for some time. I have been Somewhat stupid and am after some helpful advice not criticism, as i can bet whatever you say to me, i have already thought it!! here goes early 1998 i was made BR. after interview i had no further correspondance. I now find myself in the…
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Post-bankruptcy?
Hi, It's my court date tomorrow morning, 10am, and having gone through a whole range of emotions during the last three weeks and putting off finishing my form for as long as I can, I'm now having to finish it off at the last minute. Should have made that my user name: lastminite. Really don't want to do it. Anyway just…
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What Is Section 283A?
Hi I've just received a letter from my OR which is so full of legalistic jargon as to be incomprehensible and I wondered whether someone could explain it to me in layman's terms. It is a notice that my home “falls under Section 283A of the Insolvency Act 1986”. What does this mean? I recently had my home valued as…
