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Had enough
Hey everyone. Not really sure what anyone can say to this. I guess I just need to get it all out. I'm 24, I've been in debt since I was 18. I don't wish to distribute blame to anyone but myself but here we go! When I was 18, I'd had my natwest account for about 2 years. I went to my bank one day and noticed my "availible…
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Can my brother get a mortgage to buy beneficial interest?
My brother wants to help us get out of the mess we are in and try to prevent us having to go BR. If he bought the equity in our house we could probably get ourselves straight without gong BR as another relative has offered us a loan. However he hasn't actually got the money in a lump sum. Is there anyway he could borrow to…
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Current Rent Arrrears pre BR
Morning, I have a query re rent arrears. I am living in a hostel waiting to be rehoused. The only way we can get our br fees together is to use my oh next pay, and not pay any rent etc. What I wondered is whether the rent arrears will go into my br or will we be able to clear them off & inc them in the soa? I ask as I am…
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BR coming to an end, house?
Hi, me & oh went BR April 08 so it wont be long till we are discharged, ive had my ipoq for ED but im not really bothered seeing there is only a short time till my discharge. Anyway, we have a house with mortgage & secured loan, originally we were going to buy our BI got all the valuations etc but in the end decided with…
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more adviced please
hi again,need some more advice please! I have just lost my job,2 weeks ago,and if i dont get a job in the next month i will have to go BR. I have enough money to pay my debts for the next month,will i keep paying them or stop and save the money for more important things? £240 a month on the dole not good!:cry: Can i open…
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Premium Bonds
hi, another question:confused: we have £250 of premium bonds that i got for my daughter when she was born 6yrs ago, they are in my name for her am i allowed to keep them or do i have to cash them in? thanks for your time and answers
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Husband and his HP
My husband booked his date in court yesterday, Friday 13th Feb. My examiner advised he seek advice, he did, they told him to go br. My question is he has a van for work on finance, 3 years left on it, and he has a caravan on finance, 4.5 years left on it. Both taken out when he could afford repayments on priority and non…
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Going BR - giving up house/assets
Hi, We are completing Br papers early feb then planning to proceed with going BR in March.We are voluntarily giving up our house as we cannot afford mortgage payments. We are looking for rented accom now and this month, stopped paying our first mgage payment on CAB advice. As the house is an asset that we are voluntarily…
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What happens if you're too ill to attend court?
Hi Just wondering - if you have booked your hearing and have all the paperwork in order, but are too ill to attend, what would happen? Would you have to cancel and wait until you were better or would there be another way around it?? I am aware a creditor can make you bankrupt without your attendance at court, so could that…
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Default notice
Hi Bit of a quandry. I recieved a default notice yesterday from Argos. They are one of my creditors, the one I owe least to (£490 out of a total of £28,000). It stated that I must contact them in 7 days or they will pass to DCA or start legal preceedings if £21 not paid to them I have a way to go yet until BR date and…
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Anyone dealing with an OR from Luton Court?
Hi Guys, I was wondering if anyone has gone BR thru Luton as I am about to on 5th Feb. Wanted to know how it was with the OR's over there.
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Credit - Catalogue accounts
I am a discharged bankrupt and just registered for a catalogue account and was surprised to find that I have been given £125 credit on my account. Is this right? Am I allowed to get credit?
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Need to winge - BR woes!
This morning I received a letter that really topped off what's been a crappy few months. Don't get me wrong, going BR in Nov 08 was the best thing and even though things have been a bit rough since I don't regret it...... but boy, do I need to have a moan:mad: I'm self employed with one home educated child. One supposed to…
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Advice re rent with bad credit & giving up house
Hi all, me again. Im so shattered from viewing rental properties and worrying about stickers in my house windows saying house been repossessed (after reading this forum!) etc that havent been on lately. We are completing our BR papers on 9 Feb with help of a very kind and knowledgeable person from CAB. We are then going to…
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A long one, but my court BR-day experience.
Hi guys, time to give you all the not so gory details of my day… So, after a slightly restless night I moseyed on over to the court. Checked in with the admin clerks who promptly corrected my occupation on the printed forms to something more meaningful, the forms had my job title in that location, I then signed my name…
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Countdown to My Court Date
Just thought Id start a countdown myself. Cant promise that it will be interesting but it might help keep my sanity for the next 4 weeks. Well so far towards my court fees I think I have £15 saved. That'll go a long way, but im determined to do it and start again.
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Will I lose all my belongings?
Dear generous help givers, I am considering going bankrupt with 19k of debt from loans/credit cards. I am single and with no dependents, and renting. Will I need to sell all my belongings? Stuff like, my PC (worth £300 s/h), pile of books, rucksack, walking boots, bicycle (bought from charity shop). And all those personal…
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bANKRUPTCY FEES WHILST ON STATUORY SICK PAY
Hi all i have my court date booked for the 22nd jan! I just wondered as i have been receiving ssp of £300 per month the past 6 months am i able to get any help with the fees? It is a huge struggle to get the fees but its something that must be done i guess A clean slate for 2009 Also do you think the OR will be interested…
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The money it cost and the guy didn't even wear a wig (I did)
The start of my new life... Was dragged out for drinks last night (kicking and screaming might I add). The intended effect didn't work, my body clock kicked in at 5am this morning. Got up in a good mood. Breakfast involved bacon, eggs and two cans of lager; but hey, today was to be my day!!! The court is half an hour walk…
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Are my parents safe?
hi all i'll be going BR next month,im back living with my parents,would they get any grief of anyone,or will they be left alone? Im of to see CAB next week,i just wanted to put my mind to rest before i went. All of my debt is in my name,but the address is my parents house. Any advice will be well appreciated. Thanks Mark
