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FAO Tigerfeet
Empty your PM box!;)
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phew that was hard
Just had OR call, he was lovely, but feel a right prat not knowing what on earth I spent all that money on over the years. Just waiting now to see if my car will be exempted or not. Fingers crossed x
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can you still have a life
If you go BR do you loose things like a mobile, landline, internet etc?
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A diary of my day in court to help others
Hello all!! Well me and the OH had our court appointment today. How did it go? Well it wasn’t the most pleasant experience, I can tell you, but I feel strange and relieved that it has finally happened. My story below. 8.45am Leave to get to the court with plenty of time to get there. Pull out of my road and STOP!! Cars…
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Vol Repo
Hiya i just wanted to know we spoke to mortgage company yesterday to tell them we are handing keys back and that we are BR they had just recieved notification from OR anyway mortgage co said they would send forms out am i right in thinking these are the forms we should NOT sign ??? Thanks
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Reposession
Hi all, I'm currently considering BR and repossession of the house, I've spoken to CCCS and they say tht may be one option for me, but i'm still unsure about what to do with my house. I own my house 50/50 with my ex wife, neither of us live there and its been for sale for ages. It wont sell as its in massive negative…
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Its Over - OR Interview Today
Well, after a morning feeling particularly stressed and pacing around the house, its all over. The OR was friendly and professional, just went through a lot of the history behind my bankruptcy - not sure that my memory always served me correctly TBH but I did my best and she seemed satisfied. After spending ages doing a…
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32k in debt, which way do i go?????
hiya, i got shafted in the last couple of years by my ex, who went mental with credit cards and the banks behind my back. had my post stolen/filtered so i didnt catch wind until it was too late. as it stands im now £32k in debt. i dont have a house/nor do i have a car. i sold my house a year ago. it was basically sold with…
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2 Q's - CFAIS & Guarentors
Hi, I have two questions - firstly, I am having trouble getting the money together for br. It has been known for people to pay for their fees but any means of credit already avail i.e credit cards which does get overlooked by the OR. I have had a loan co approach me offering me a loan but I need a guarentor. What would the…
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8 weeks since BK, no interview?
Hello there, I went BK on the 19th November and I have not heard anything from it. No interview, letter, phonecall or anything. I had a 5 min chat with a lady on the day over the phone, who just asked about my bank account and that was it. Its not that I want the interview (I am dreading it) :eek: but I am a bit stuck on…
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Changes in I&E
Hello all, I just wondered if many of you have experience of changes in ur income and expenditure? When i did my SOA i had £9 spare so havent been told i'm getting an IPA, I had an increase in wage of £27 in Dec, so still no IPA. Do the OR expect ur expenses will change, should I notify them of each expense? My mort has…
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Been told Bankrupcy is the only option - How to keep our home? Beneficial Interest???
Hello folks, Its been a while since I last posted on the forum and to be honest our situation has gone from bad to worse. The work I had lined up did not materlialise, we have run out of savings and have had to cancel all our DD's with the unsecured creditors. We have spoken with the CCCS and submitted our SOA and been…
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Serious help needed please.
Hi, my parents are in some trouble financially, i'll try to keep it short. My father owns a Ltd window business, 2 years ago the bank put a lot of pressure on him to convert his £35k overdraft to loan, he eventually had to accept it and has been paying £555 pm for the last 24 mths. Due to thedownturn in the market and ill…
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What's right time to rent
This forum is so helpful, I think Im developing an addiction and have such big pile of ironing to do!!! Here's the quandry. We declaring ourselves BR in next couple mths. Doing paperwork with CAB 9 Feb & then deciding when to actually 'do' the deed. We are not currently paying our mgage (only missed Jan's so far) and plan…
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Last Minute SOA Check - Please take a look!
Income: Wages (net): 390 Maternity Allowance: 507.78 Child Benefit: 81.46 Partner’s Contribution: 900 TOTAL: 1879.24 Rent: 650 Housekeeping: 370 Gas, electricity and heating: 100 Water: 53 Telephone: 40 Travel: 30 Clothing: 40 Council Tax: 112 Child Care: 304 Household insurance: 20 Union Fees: 8 Holiday: 20 TV Licence: 12…
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A couple of questions...
Hi All, I just have a couple of questions about bankruptcy: 1. Does the OR only look into bank accounts that are currently open, or do they look into historic bank accounts? 2. Are my spouses bank accounts and finances looked into by the OR? Many Thanks, Andy
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Repossession & thanks
Hi you wonderfully helpful and supportive people. actually whilst I think about it - thank you to everyone who has answered my threads in past couple of months. You really have kept me going, and without doubt made my OH and psychiatrists lives much easier. I really wouldnt be going on without support Ive received here :T…
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Update on Tesco's & Visa Electron
Hi Everyone, I've just had a letter from Tesco's about Visa Electron , this is a direct quote - "We currently do not take Visa Electron cards, because previously these cards were not designed to take payment where the cardholder was not present. However Visa have changed the rules with Visa Electron cards and they can now…
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Can I begin the process?
Of opening a co op account even though I am not going to be officially sequestrated until Monday morning. I'd like to get the ball rolling with direct debits and payments. Thank you.
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Filling out your Soa when you are both going BR.
In response to a couple of posts by people who did their joint SoA diferently I have phoned the Insolvency Service 6 times this morning and spoken to 6 diferent advisors, thought would get a few opinions. They have all said that bankruptcy is an individual thing and when filling out the forms you 1) Put the joint house…
