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Have I got this whole BR thing right then?
After a few days of research and assessment by CCCS, is this what happens? 1. Set up bank account with co-op ready for benefits/wages, to pay mortgage etc from. 2. I fill in the forms pay the money. 3. I go to court swear oath, speak to the judge if needed etc etc. 4. Have interview with OR who will take full details of…
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Our SOA's please check through
I hijacked someone elses thread so thought to start my own. Right, me, woman, is on incapacity and hubby in full time work. Majority of debt is in my name and listed as so on the iva that we entered as joint. Now we are going for bankruptcy I want to get all paperwork ready to put into court as soon as fail notice arrives…
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Anyone gone BR through Hertford County Court
Im hoping that there might be another hertforshire hedgehog lurking around the site who may have been through the BR process at Hertford and can let me know how it was and whether or not it was fairly pain free.:eek:
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Income changes
The amount of working Families/child tax credit is higher now, than it will be in March. The reason for this is that I will only earn about 7500 this tax year and will earn 16000 next tax year, should I wait untill after March to apply for Bankruptcy, otherwise the OR will think I am loaded ah ah
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Got to go BR - can we survive
Hi guys, so sorry to whinge but Im having a real 'are we doing the right thing' panic attack at the moment...:eek: Already entered story on other threads. After all info, now looks like OH and I have no choice but to declare ourselves BR. CAB, CCCS advise and yest IP advice too. IVA impossibility etc.. Yesterday I was all…
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WHat are the fees
Other then the two upfront fees are there any at the end, from the receiver perhaps? Many Thanks for everyones help
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Bit worried forgot to add a creditor
Hi to all, I need a bit of advice went br on 23/12/08:j I was just got my credit report and i have noticed that i have forgotton to put down a creditor and i dont know what to do about it:confused: anybody have any ideas?
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will my creditors try to take possession of these goods?
I've just been advised by the CAB to file for bankruptcy soon as a home-based business venture hasn't worked out despite contantly pumping funds into it. However, I've bought some electrical goods in the sales from argos (LCD flat screen and labtop) paid for on my mastercard. Will the creditors of that mastercard organise…
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please can you take a look at my soa and advise
Hi , My husband has booked into petition for his bankruptcy on 22/01 and would just like some one to check SOA and advise if everything looks ok . I myself dont work and only receive child benefit and child tax credit , Do I need to add these to his SOA or leave off. Number of adults in household........... 2 Number of…
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Direct Debits when BR...
Is a BR person still allowed to have direct debits? As in... Car ins, mobile phone etc...?
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Buying a car.
[FONT="]I recent declared myself bankrupt in August 2008. I have managed to scrimp and save enough money (inc redundancy money), to buy a used car for £4500. Do I have to declare this to anybody? It was bought out-right, so no loans or finance or HP was involved, just a lot of hard saving! [/FONT]
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tax credits
Me and OH are going BR next week, i am filling out Employment and present income setion. It asks about Tax credits. We have just set up our joint Co-op account, where it will be paid into. Previously it was paid to my wife's. Do i still list it? And what about the other contributions?? They are from my wife, but do i put…
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Your experience please........
I kinda new it was coming, CCCS have recomended Bankruptcy, because of all the unsecured debt that I cannot pay back, (because my partner as left and I am paying a big mortgage by myself.) unsecured debt 22k, 8k of which also joint with him. The house is in negative equity, because of the drastic fall in prices, it is home…
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Can my Dad buy my car
Hello there, I went BK on the 19th November 2008. I have not heard anything from the OR as yet. I have a car with Ford finance from 4 years ago when I bought a car for 5000. I have paid 3000 in monthly payments in total but not paid anything from Oct, when I booked in for BK. Ford passed the debt onto a debt collection…
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coop cashminder
hi, i recently went Br and have opened a coop cashminder account, i just would like to know where and how i can use the cash card ie can i use it in supermarkets or is it just atm card? any help would be very helpful thanbks julie
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causes / reasons
Hi guys I just put in the reasons / causes box - loss of job - new job - reduced income in this box - is this ok or do they need further explanation / details? :confused:
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Different OR's attitudes to cars...and stuff
Kerry Katona (BR 21 August 2008"She left the house with Mark Croft earlier today and they drove off together in their new £55,000 Nissan GT-R. Kerry recently had her £70,000 Porsche Cabriolet repossessed so she bought the new luxury sports car as a replacement.
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Informing creditors after Bankcruptcy?
Hi everyone, Has anyone taken it on themselves to inform their own creditors after their BR? I know that the OR does this at some stage but timescales seem to vary as to how quickly they do this. Being the sort of person I am :rolleyes: I was thinking of drafting a letter and informing them myself - hopefully stopping a…
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Summonsed to the OR re ltd company
Hi all, After a quiet few months I with my personal BR I have now been sent a letter from the OR to come in for interview regarding my LTD company now it has been wound up. Should I expect pretty much the same script as the peronal BR interview? Alo the massive green questionnaire booklet, can i jut fill it in when i'm…
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should i go bankrupt?
i have around 50k of unsecured debt which i am starting to fall behind on. i have a mortgage but im in neg equity. i work for a bank and owe a large amount of debt to them. when they find out im behind on payments i will get sacked. therefore i wont have a job, wont be able to pay anything towards debts and wont be able to…
