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More help please!!
Thanks for the help earlier but now am getting very confused with filling in the SOA. Basically both me and DH are going bankrupt and confused how to do the outgoings and incomings. My husband works, I don't, but all the benefits get paid to me. What do I put for DH's contribution and how do I show household expenses,…
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Renting help
Hi we're looking at going bankrupt in March and having our house repossessed. We have been looking at rental properties and it's so depressing there are hardly any nice ones (i know it's my own fault but our house is awful so we were kind of hoping we could get a nice rental! also i'm pregnant so hormonal ;) ) We found a…
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Self Employment & BR
Hi, Does anyone have any experience of going through BR self employed? What sort of feedback/reaction did you get from the OR about carrying on, and were they interested in any funds within the business or future profits? Thanks
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Thinking of going bankrupt...
Hi all, I am on the verge of going bankrupt,but one of my creditors is a company called FLM loans. With this particular loan it is a guarantor loan,of which one of my friends is the guarantor. I have not told him yet of my intentions,but will also continue to pay him (£150 per month) if they chase him for the debt. Has…
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corperation tax = /
hi all, i think my buisness is going towards bankruptcy and we will owe quite a hefty sum in corperation tax. our company is a ltd company so how safe is my home? my house is not security against my buisness bank account. any helping advice out there please!! thanx marty :confused:
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Landlord Contacted!!
Evening all, Had a surprise phone call today from Landlord. He said "I am confused, have been sent some letters indicating you are insolvent :rotfl: (Understatement!!!!) Not sure what it has to do with me though? You are 2 of the least likely people I know to have to do this!" He was honestly shocked, as am I, Thought I…
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another question please?????
We are going to go bankrupt as you probably all know by now just as soon as we have the failure certificate. Hopefully around March time if all goes well. My OH seems to think that this will be ok but I am not so sure so please advise. We have a car on finance at the minute on the 3 year options from the dealer which comes…
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Vodafone
I have been with Vodafone for about 15 years and have always paid my monthly contract on time. Will they cancel my contract / phone when I'm BR?
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Renting from family
Basically i sold my home a few years ago to a family member as i was struggling with payments and unsecured debts and i now pay rent to them to stay in the same home.. the reason for this was that i did not want to lose the house totally as i've been in it since the age of 14 months. Will the OR frown upon this?
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Banrupcy and assets
hi everyone, just one or two quick questions I currently have a motorcycle which is worth around £2000 to £2500 and at the moment i have £1200 outstanding on the finance. When im back in work i will be using it alot then, how will this be affected when i go bankrupt 1, will the fiance company take it when they find out i…
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HMRC & Bankruptcy
Hi everyone, I have had a look for this but havent been too successful, but I have had a bad day at work so may be missing it....Anyway, I have a friend who's husband has a business which owes about £20k to HMRC, she is worried they will force them to sell the house as their is equity there, can/do they do this, even…
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Council Tax & Bankruptcy
Before being declared bankrupt I had paid my council tax for the whole year. I will be losing my house eventually but now the new year for council tax is approaching I assume I will have to pay it again. I am earning some money so I don't think I qualify for any sort of rebate. Is this correct? dc
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Out of curiosity, OR and cars?
Just curious, Does the OR run a check with DVLA to see what cars are registered to you or does he just rely on what you declare? Obviously I'd hate him to discover my collection of Ferraris :D Seriously though, I don'twant to hide anything, just curious really.
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Letter from creditor...
Hi all, Hubby received a letter from egg today, reads as follows: Dear (bankrupt hubby) We ahve been notified that you have been made Bankrupt. Please do not use your Egg Card and if you still have a card please destroy it. We will now deal with the court appointed officials regarding your account, although we reserve the…
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going bankrupt - debts to friends and family
i know somebody who may be filing for bankruptcy, as well as loans and credit card debts they have borrowed money off of a couple of friends and family members. what i want to know is there any way that this person can transfer these 'personal' debts elsewhere so they will be written off as part of going bankrupt? or…
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Br Rent Arrears
Hello I wonder if anyone may know the answer to this.I had a letter from my local housing authority saying I owe 720 pound rent arrears from 1999.I told them that I have not heard from them in 9 years how could they contact me now demanding payment in 7 days.They firstly told me that it could have been 20 years and they…
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Bankrupt but Halifax Keep Threatening Me
I was declared bankrupt last November which included my mortgage. Since then Halifax, my mortgage provider has pestered me for the arrears which are going up by around two grand a month. They have also sent some creepy little bloke around at 9.00pm to "discuss" how I am going to settle the arrears. I didn't let him in and…
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I think there's only one option...
Hello everyone - I've been lurking here for a while and have come to the conclusion there's only one option for me, but I'd like to run it by you first to see if you agree with me. Here's the lowdown: Income (self-employed): £2603/month before tax Tax savings pot: - £650 Total income £1,953 Outgoings: Mortgage £1150…
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Bankruptcy Builder
We have our date as 19th February, Building trade down really bad as you all know. Gone fron 7 employees to 2 young apprentices and just getting by. My wife bought a limited company and we are hoping to transfer all the tools and van and the lads etc to this company i will then be on the payrole. Will we be allowed to do…
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are you there coolcait?
coolcait if you are reading this i have sent you a message ,could really use your advise thanx
