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Abby CC owned by Co-op?
And I thought today was my lucky day :rolleyes: Just found out my dad is clear of his cancer :j Have got all money together for BR fees, Finally understanding soa and now another problem. I was just filling out court forms and when listing OHs Abbey credit card it says co-operative bank MBNA. Let me guess, this is the same…
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is this ok? reason for going br
hiya just finished my final statement for the br form on why I am in this situation - can you have a read and see if it is ok or not - all feedback welcome before I write it in : Things were ok when I first took credit out as I had a very good job with a blue chip company and earning a very good wage and my job was secure.…
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Will my BR affect others living in flats in the same building as me?
Hi All, The building I live in comprises of several flats. On my petition I'm stating that I live at "Flat n, xx Any Road, This Town". Will my BR affect others living in the other flats in my building, i.e. there ability to get credit? I hope not. Mr E.
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Joint accounts, new debts etc
Hi, The credit has run dry and bills remain unpaid so bankruptcy is my next step (once I have the fees!). Problem No1: I have a joint account with my partner (Co-Op cashminder with Electron) that my wages are paid into. Should I take myself off this account and have my wages paid into my bog standard Nationwide cash card…
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i did it this morning-it wasn't so bad at all
:j after thinking about it for nearly 3 years -going bankrupt-i came across this site and read lotsa posts and had the confidence to start the process-i sort advice on here for things i was not sure about and this morning i arrived at court at 8.15am for 8.30-at 9.45am i went into payments counter-they glossed over my…
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Bankruptcy and Ex-Marital Family Home
Hello. need a little advice from you guys! Sorry its a bit of a story as to what I'm currently going through... I have approximately, £80k unsecured debt, half this debt is from a failed business that I gauranteed with the bank many years ago, currently with a lot of pressure from creditors. I'm employed in a new job on…
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Hi Guys
Hi Guys, Just got my redundancy letter and needing a little bit of help. I have debts that are around £24,000 paying out £1,000 a month, working in the finance sector as a secured loan underwriter for a broker im aware im not going to get a job in what im doing, im going to struggle to get a job thats going to pay £1,200 a…
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Is this my fault?
I was declared BR on the 9th of December but my partner has an excellent credit rating. We recently moved house and my partner wanted to get some new sofas, he has never been turned down for credit and yet has just had a call from the finance company to say they will be unable to give him credit (they won't say why on the…
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Tesco's
Hi Everyone, Can someone explain to me why I can't use my Co-op Electron Card to get my groceries from Tesco's over the Internet? Sainsburys & Asda accept electron why not Tesco's? Jaynee 123:eek:
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Query 2 - BR Forms
Hello again Just doing creditor section. What did/are you all putting down for dates under creditor section?? Things like my overdraft and various credit cards I have had for years, what should I put for date accrued? Thanks in advance, don't know what i'd do without this forum x
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Hi, I need help with a few things please. :)
Hi, I hope I am in the right place and I can get a little bit of help. 1) I went bankrupt on 1st October and have a car on HPi that is due to be collected. This has still not been done, so is there any sort of time that they have to collect it in? And if they don't am I allowed to keep the car (albeit broken at the…
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I've got a Savings account! A proper one!
Its true! I do! Makes up for not getting early discharge! For those that don't know, I went BR in Feb 08 and looks like I have to go the whole 12 months (no assets and no IPA/income though). When I went BR, I had a Natwest Step account. At the time, Natwest were closing even basic accounts with BRs. Now, I know my OR told…
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Confusion re BR & Court Fees
Hi, OH and I have debt of about £26k. Apart from £3k OD, rest is mine apart from £5K which is OH's c.cards. Does this mean we have to go BR separately? I didnt even consider this until told by financial advisor yesterday that only I would be able to apply for IVA as OH doesnt have enough debt... And Im on Incapacity…
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BR OR power over outgoings & Assets
Hi, After chat with Insolvency practitioner, looks like OH and I have no choice but to go bankrupt. Quite a relief as the decision making was agonising. We plan to give up our house as we can get much more suitable house in better area for rent that is £300+ less than our current mgage. Sorry I could probably have found…
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my SOA
hi all, here is my SOA at last! This is all based on my income since i left uni. NEW SOA IS A FEW POSTS DOWN! Monthly Income Details Monthly income after tax................ 350 Partners monthly income after tax....... n/a Benefits................................520 Other income............................ 0 Total monthly…
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March 2009 Bankruptcy Club
:DHi everyone, welcome to the March 2009 :D :D Bankruptcy Club. :D This club is for everyone who has gone through the process of Bankruptcy during March 2009. So please feel free to join and post. Pop your name on here, the date that you went/are going Bankrupt and the stage that you are at in your Bankruptcy. And then…
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February 2009 Bankruptcy Club
:D Hi everyone, welcome to the February 2009 :D :D Bankruptcy Club. :D This club is for everyone who has gone through the process of Bankruptcy during February 2009. So please feel free to join and post. Pop your name on here, the date that you went/are going Bankrupt and the stage that you are at in your Bankruptcy. And…
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soa please help
hiya right can you please check my soa well both mine and oh gonna put them both here and see if they make sense - thanks in court friday morn so really need your eyes over it : mine includes 50% of oh income and visa versa - also took out on both the extra adult expenses - have 2 children too MINE: Monthly Income…
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Worried about ex's debts
Hi, I separated from my husband last year and bought him out of the family home where I live with the two kids. He pays maintenance and has access, no issues there. Not divorced yet. I am concerned as his business is in difficulty (estate agency) which he owns with two other partners. I know he has rental properties in…
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Last Ipa
Hi there i was made bankrupt 3 years ago and discharged the following year my income payments are also due to finish do i need to contact clarke willmott or will the payments automatically finish i pay by standing order
