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Can they take my house if I Marry?
Hi. I own my own house through inheritance and it is in my name only. I have a boyfriend who has £13,000 unsecured debt. If we marry can they take my house away from me even though it is in my name only, also if my partner went Bankrupt after we are married can they take my house?? Many thanks.
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Creditor calls now BR has been granted
For the past 3-4 months we have been avoiding creditor calls (and laughing at the attitude of some of them when leaving voicemails, specifcally RMA, who do these people think they are?!). As we are now BR, we had our forms stamped yesterday, what should we do? Should we wait for the OR to contact us, or should we now take…
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Court tomorrow
Just completing my BR paperwork for d day tomorrow. I am worried due to a lack of accounts for my business (last 6 months or so when the shiznit hit the fan - no money to pay accountant) I will be subject to a BRO. If this happens will the bankruptcy last on my credit report for longer than the standard 6 years. Also is my…
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At last! No problems at the RCoJ
Finally I feel like I am able to post something of value to the rest of you, instead of leeching information in readiness for the big day! As of 12.50 and 12.57 today my OH and I were declared BR at the Royal Courts of Justice. For anyone who has to attend, the process is quite simple. We arrived just after 9.30 because of…
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reclaiming bank fees whilst bankrupt?
we have a lot of these which we think will be near the 4 k mark we havnt done anything about it because they stopped the claiming thing etc but can i mention it to the or will it help? ie will they claim them or am i free to do so charges were up to 250 per month in mar this year and majority with tsb major creditor any…
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Welcome Finance - harassment
Hi all Despite being BR in August 08 and sending them the copy of the bankruptcy AND sending them another copy when they said they hadn't had first copy AND advising them that the secured loan was included in the bankruptcy EVEN though they said they had spoken to my OR and he (actually a she) said it wasn't included BUT…
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who actually had an early discharge and why?
as title has anyone had an early discharge and what are the reasons for it as opposed to the 12 months we are all expecting? dont be shy!! x x
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The Peach Is Back In Town
It seems I have been released from the naughty step:D Thank you all so much for your kind words, your support has been overwhelming. If I could do the group hug smiley I would. I shall put it all down to a technical glitch, and now hopefully normal service will resume.:D p.s Welcome to the forum Fuzzy ;)
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HBOS coming to visit!!! OMG!
:eek: Have had a card in the post today from HBOS to say that they are sending "a representative to my property' on 27th January. Should I ring them to say 'dont bother' or just ignore it and tell the kids to hide too! Help, thats got me worrying again
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Who do you put for the debtor if the debt has been sold on?
I have a number of credit cards where the debt has been bought by a debt recovery agency. If I'm going bankrupt, what name of debtor should I put on the form? Does your credit file have both names on? Any advice would be grateful.
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Re: Understanding the facts. Please Help
Hi there. In late 2004/early 2005 I was declared bankrupt for what I now deem a small amount compare to my new financial status 2009. I want to take out a mortgage with my partner. Now I'm slightly confused. I was discharged quickly in June 2005 due and have the certificate. I believe it's on your records for 6 years but…
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Running A business when bankrupt
Hi All Unfortunately the time as come when we are going to have to make ourselves bankrupt. I have a few questions if someone can help. I'm currently in full time employment but in my spare time/weekends i do valeting. I'm wanting to register my business and hopefully this wiil come become a full time job. What will happen…
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Need it more than a Microwave
Hi Y'all, I was AD'd on the 19th of Dec and have just moved into a new small flat. Not much furniture but enough for now. I do need a Microwave but have decided to splash my cash on a Discharge Certificate instead. 60 squids is not cheap but hey! I've sent cash in an envelope so I hope those court people are honest! Oops.…
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Shares and BR question
My hubby gets free shares from work and also pays into a share scheme through his wages. What I was wondering is this :- 1, We have had to sell some shares lately for the BR fees and also to pay other bits and bobs and, 2, He is still paying for other shares through his pay. These are tied up for 3 years after buying. so…
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Tomorrows the day.....
Everything is lined up and ready for the big day * I had a friend check the forms to make sure that I'd not missed anything * form printed 3 times (it didn't say I couldn't staple it in the corner) * HR contacted and clarified about company car (although awaiting corporate card information) * bank account emptied, have 200…
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SOA Advice Please
Hi, I am looking at BR early in Feb and this is my draft SOA. Both myself and Wife are going BR. The £300 benefits is my wifes Incapacity Benefit. Could anyone please check this SOA and advise on anything that seems excessive. Regards Jaydub Statement of Affairs and Personal Balance Sheet Household Information Number of…
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AEGIS visit?
Hi, MBNA are probably the company I owe the least amount of money to. However, I missed my last two payments and they want about £90, but someone called AEGIS have posted me a card saying they are going to visit me this saturday. Anyone had this? Threats, or are they likely to follow through on this? Naturally, I plan on…
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Q about buying Beneficial Interest
If my husband goes bankrupt and we get to the point where we are offered to buy the BI in the house (it is in negative equity so we are hoping this will happen) would I be able to buy it if I am not earning? We currently jointly own the house.
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Newspaper
Hi Going to court this month re BR and I know it sounds silly but am worried sick about work reading about it in the local paper. We haven't told anyone apart from close family and the department I work in would know it was me due to my unusual name. Does anyone know how long it is before it goes into the paper and whether…
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Screwed up on Section 7.1 of the on line SOA
Hi All, I submmitted and printed off my on-line SOA last night. Looking at it, I've screwed up. What I've done is:Other essential payments (e.g. life/household insurance, car tax & repairs): Here a put a single figure down for car Tax, MOT, Insurance and car maintenance/repairs. If there are other essential payments,…
