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Dealing with husband and wife's assets
Hi, Looking through this excellent site and want to pick some of your brains. I might possibly be faced with bankruptcy if business does not pick up in next 6 to 12 months........just will not be able to pay business bills. I am a sole trader. My wife has savings in her own name between ISA's and postal accounts of around…
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completely o/t anyone watching bailiffs on WATCH chan 109 sky
sneaky people
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Decided To Go Bankrupt
Have written on this site previously and was awaiting interview with CCCS - well I had the telephone conversation and they suggested I go bankrupt as my only asset is my house which is in negative equity and there is no way I can afford the repayments when they go up in September after my fixed rate finishes. I spoke to my…
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Utility Bills
Can anyone tell me if I would be able to transfer my utility bills into someone elses name who doesn't live at my address?
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Br And My Home......
Hello there, I've finally come to terms that BR is my only option! I don't think I wanted to admit it as I couldn't bear to have my house taken from me. I have a seven year old daughter and a 4 month old son to different mothers and have them over to stay a couple of nights a week and couldn't survive if I had nowhere to…
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Telephone interview on Monday
Hello again, Having been dcelared bankrupt on December 1st, I've got my telephone interview on Monday morning at 10am. I'm not particularly anxious about it bur are there any pearls of wisdom people who've been through this can share with me? I know the basics of not volunteering information and saying no more than has to…
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concerned student
Hi all, I am new to this site and looking for a bit of advice. My husband and i are thinking of bancruptsy, we have spoken to a couple of debt lines already. As i am a student nurse they have advised us to find out whether bancruptsy will affect my training (as they are unsure) and my chances of future employment. Hope you…
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Better come clean and tell you this
Hindsight is a great thing!! Even though we were on the IVA (2yrs) and roughly 1yr ago we started using a catalogue....... (please don't tut!) just for clothes and shoes (haven't missed a payment) BUT DH wanted a WII & WII Fit so we ordered one and it came the other day.......... now I am really really worried we will get…
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Online Forms - It's a long story !!!
Hi - me again, How and when do I access section 11.13 (?) on the online forms - where you can write "other information" i.e my epic story of rags to ruin? Box 11.2 asking for causes of BR was where I was going to write a shortish summary and then I was going to give a more detailed breakdown later on.... But where is it?…
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Help required please
Hi All, Apologies, this is quite a long post. Just ontained my Equifax credit report and found that the information in it may be incorrect. I was made bankrupt on 07/11/06 and discharged on the 03/10/07, however see below credit agreements extracts from my file which was included in the bankrupcy: Sorry again that this is…
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IVA payments
Sorry another question.... What happens to all the money you have paid into your IVA (2yrs worth) if you go BR? Thanks xx
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Some Advice
My sister has received an official bankrupcy final notice of proceedings and I was looking for some advice for her. If I give a little of the background: Some years ago (would be about 11 years ago) my sister and her now estranged husband had a house which had a secured lone against it in both their names. They seperated…
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Natwest Esavings account
I was declared BR in January 2008 and discharged in July 2008 (early) and have just been accepted for a Natwest esavings account .:j http://www.natwest.com/personal/savings/g1/instant-access/e-savings.ashx I ticked a box at the end of my on-line application to open a cheque account too but was instantly refused due to my…
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Two questions
In early october I arranged for a glass company to price me replacement glass for some of my blown double glazing units, it was £660.00, had no plan or idea I would be booking my br by the end of that month. I agreed on the day and signed to order them. About 10 days later my head started to come out of the sand so I rang…
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Soa
Here it is ..... who now thinks that the BR is the best option instead of the IVA? (I know it will be just an opinion!!) 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…
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Help please with SoA
Hi, Im a self employed taxi driver, got about £100,000 debt from various loans, credit cards etc. House has been reposessed and my car is my only asset. Decided to go BR having taken advise but would like you kind people to look over my SoA and tell me if all is well with it. Income averages about £250 per week after…
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Co-op Visa Electron
Hi Everyone, I have just had an e-mail from Asda confirming that they take Visa Electron cards for Internet Grocery shopping - so thats sainsburys and asda that want our money!! I'm waiting on a reply from Tesco's but I suspect they will still refuse us, I will let you know when they reply, Jaynee 123
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Bankruptcy Forms
If you have made a mistake(s) on your forms and you take them to court what will they do?? Can you/them make alterations on them or will they send you away and ask you to come back with the correct info??? Last minute wobbles here!!
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Bank Account help
I have been reading up on the b/a's after you have gone br and is it just the co-op & barclays that you can go to, we are with Lloyds TSB it is just the plain basic account (we had to have this one cause of the IVA), so we don't owe any money to Lloyds no overdraft, cheque book etc....... If we had to change can't go to…
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Can You Help (bankruptcy)
hi there i am just about to fill in the forms and was thinking what can they take i have recently put my car in to my girlfriends name as i have a van which i am going to sell as we need money to live will they question me about that its only a cheep pug 306. next my girlfriend has payed for most of the stuff in the flat…
