-
HELP!!! Refused Coop Account
Hi All Please I have been refused a co op account. I'm not sure why has anyone had this problem? They are not a creditor, I used my new address which isn't yet registered on the electoral register. Barclays is a creditor so I can't use them!!! What else can I do!! has anyone experienced this. Am really worried CP
-
Getting the most from bankruptcy
Hi Is there a guideline on what the courts will allow you each month when you file for bankruptcy. I.E money for clothing etc. It very hard to pin point how much your gas and electric is going to cost from month to month so does this get taken into account. I made a very big mastake when I first took out an IVA as I didn't…
-
SOA Advice part 2!
Sorry about this, i realised i left a few things off in the previous post, and added an extra child by mistake. (the 4th child isnt dependant on me, although i pay maintainance) and i have made changes that FYP suggested. here is the revised. there is no child benefit listed in this SOA Statement of Affairs and Personal…
-
soa help, asset help, overdraft help, please
overdrafts? soa questions asset questions, help i have posted all my previous questions and personal details and soa on another thread, yesterday, lunchtime. for your info. just another quick question: can my overdraft, oh overdraft and our joint overdraft be put down as a creditor? also, my electric bill debt is being…
-
SOA Advice
Hi Again., well were nearly there, court date now booked for 23rd jan! Here is my soa, my wife is also going bankrupt, and this soa is everything in one, but from what i beleive we have to do 2? I cant get my head around how to do it, can someone help please. When i have done 2 will the end result be the same or…
-
another question
On the forms it say...."In the last 2 years have you made any payment to a creditor, other than in the ordinary course of business, with a view to improving the position of that creditor in case you became subject to insolvency/bankruptcy proceedings?" When i first got into trouble i recieved many "threatening" calls from…
-
Pre paid mastercard
Hi Guys, just got myself a shiny new Virgin pre-paid mastercard. has anyone experienced problems using these? I know they are excepted everywhere, just that I have had not a " working " mastercard for a few years, kinda scares me even though its pre paid. Get a vision of someone holding it up to the light and saying Mmmmm…
-
Bankruptcy & ex-wife's property - advice please.
Sister has been divorced for 15+ years. She has three children. The youngest is 22 and is at full time education. She lives in a house which her and husband bought years before the divorce. The house and mortgage is in his name and she pays the mortgage and the upkeep/maintenance etc. He does not contribute anything to the…
-
cleaning credit file
l try to clean my credit file 3 months ago and sent them the letters, now only barclay card , barclaymasterloan and egg still show defaults on my file .Barclays are notorious for NOT doing as they are asked with regards to correcting entries.
-
New Year New Start
OH and I went bankrupt 15th Dec 08. It took 3 years to do it and what a lot of wasted time. For the last 3 months I have stressed out so much, missed out so much of my life with worry and locking myself behind closed doors that its affected my children and that is one thing I regret more than anything. It took so long to…
-
Final SOA
Please can this be checked if anyone has time - getting there with the forms now, nearly complete :D Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details…
-
Help - please
This is my first posting so please bear with me! Me & DH are both on an IVA - we had a baby in March last year and I went back to work on the 5th Jan part-time instead of full time. Originally the IVA wasn't sustainable and they said the only option was to go bankrupt.... we were both not keen on that idea and re-submitted…
-
Nil Tax Code
DO you stop paying income tax untill you are discharged?
-
Mine and OH SOA
Here is mine and the OH SOA's MINE Household Information[/b] Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1572 Partners monthly income after tax....... 759…
-
Forms help
I am due to be made bankrupt next week and have made a start on the Preliminary Information Questionnaire PIQB forms the OR will expect me to complete following BR (trying to be organised). My wife is going to petition her own bankruptcy next month and has made a start on her forms however my forms are a lot more intense.…
-
It's a funny old world
Good evening all, We were discharged in August 2007 and shortly afterwards I applied for our Credit Reference Files. Not surprisingly there were a lot of errors and I wrote the appropriate letters requesting that our files be updated. After another couple of months I again applied for our CRF's and unsurprisingly some had…
-
Eon
Well in the midst of an argument with Eon re:electric post BR. I made 1 payt by DD 3 weeks pre-BR part of which was payment of arrears include in Br balance for forthcoming bills. They want to keep this money! I argued that I am willing to pay balance after deducting this amount. told them I intend to complain anyway as…
-
Advise on bankcruptsy
Hi, sorry if iv spelt that wrong!! I really would like some advise, my farther`s business will be going into liquidation on the 11th feb or there about, we tried everything to save it but no joy my brother has worked for him for about 12 years and wants to carry on the same type of business, we have spopken to the landlord…
-
HELP please... questions!!
Hi, I've been a serial lurker on this forum for a while now as I've been considering bankruptcy as unsecured debt with credit card companies has become too difficult to manage. I have sought advice from CAB and she agrees that BR is the best option for me. I am due to have a baby in 2 weeks time and on a very low income,…
-
Filing for BR - Outgoings less than income?
Hi all, I was wondering if it's possible to file for bankruptcy even if your SoA shows that your outgoings (debt/bills/etc) are actually less than your income? i.e. you have some disposable income after deductions? I'm thinking that if I filed for petition, could the court dismiss my petition on the grounds that I could…
