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Papers for OR
Hi All, thought I had posted this query earlier, butcant find it, apologies if I am repeating myself. Done court bit, :T just getting paperwork to send to OR for telephone interview next week. They dont seem to want all I thought they would, they are not asking for Rent agreement, just statements for a year for banks and…
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Cause of bankruptcy - forms, please can anyone read through and let me have thoughts
My husband’s electrical contracting business went into financial difficulty in 2008 and he had no choice but to wind the company up. He found a new job but the reduction in salary meant we could no longer afford our mortgage. We have got into arrears with our mortgage company Capstone and they have issued repossession…
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how long does it take for them to contact you and take a car???
As many will already know my car is not exempt. ive spoke to my dad and he will only bid up to £80 as the car needs work doing to it so a few questions how long does it take for them to contact me about putting in a bid? if they dont take the bid how long does it take to collect the car?? if they do take the bid and i want…
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Debt against house
How can debt be cleared off an address that was caused by an individual and settled in full when debt came to light?
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Can you cash a crossed cheque without passing through your bank account?
As far as I knew you had to pay a crossed cheque made payable to yourself into your bank account. However, I am sure I have seen businesses where you can cash a cheque and I assume they take some kind of commission. A friend of ours has been made bankrupt (voluntary) and he has received a cheque or compensation from a car…
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Bankrupt bank account alternative
Hi All, I am bankrupt and just thought I'd let you know about a bank account option that I have found that involves NO CREDIT CHECKS and is great if you're finding it nigh on impossible to get a bank account. My husband is hoping to go bankrupt soon so I have been looking for an account with little success. A while back my…
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OR Interview and rental contract.
Hi all. Just a couple of questions: With regards to the OR interview date and time. Are they lenient if you are in work that particular date and time they give you, is it arranged for a time convenient for yourself and him/her? Also. My rental contract mentions nothing about BR/IVA. Should we be honest with the Letting…
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Advice Needed Please (SoA).
Hi, I'm hoping someone could comment on my SoA or any further advice or recommendation before i finalise my SoA for bankruptcy. I'm planning to go for bankruptcy after being unhappy with my DMP and my IVA proposal because i have and will be living on a super tight budget unless i'm doing hours and hours of overtime. I have…
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On Tenterhooks
Been quiet for a while so just thought i would post an update. Should hear about the rental house finally by the end of the week, christmas and the new year was horrible, the LA shut down for the 2 weeks!!!!!!!!! RBS account is now running with wages going into it, doing as much overtime as poss, going to work down south…
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My House............what if
hiya all, ok so my bk is next week tuesday and cant wait! but i spoke to someone on business debtline and they warned me that although i have negative equity and have come to an arragement with my lenders the halifax, the OR might still force me to SELL/GIVE UP my house (3 bed terraced) since i am the only one living there…
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Starting BR Questions???
Hi All, I have posted once on here before (yesterday), and explained my financial situation basically i'm 25 and 54K in debt through bad management of money, bad investments and gambling, none of which I'm proud of. It was suggested that BR would be something worth considering, I have no assests, but it is something I've…
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Unsecured Creditors
Hi again. The unsecured creditors section of the online forms. I am listing the loans etc that i have in my name. We also have a loan in both names. do i list the full amount on mine? Can't seem to make progress. Always have to stop and ask:confused:
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Mr Es' SOA
Hi All, Here's my SOA for anyones perusal. I've been doing this on-line so I'll follow that format. I've shown this to CAB who said it was fine (Vet fees wern't included at that point). First off, I earn £2162 a month and owe approx £80000. I've a son and dog. My son lives with his mum. My son spends three weekends out of…
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income tax arrears and tax credit overpayment
hello eveyone anyone had aany runnings in with the tax man for arrears and tax credits overpayments ? did they make you bankcrupt ? just found out we are billed with 10k back dated tax ,and consequently over payment of tax credits of around 7k ,but could only realistically offer them £100 per month as we are skint as it is…
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Bankruptcy or trust deed imminent
bankruptcy if cant ge new business taking over from old company and if i do will go for a personal trust deed . Anyway if I am on a trust deed but have 2 personal guarantees from the previous company , one to the bank and one to landlord are these taken into account in trust deed? Does the cosigner become liable for all if…
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Csa
Peeps, Till Jan last year I was making £400 a month CSA payments whilst having a lot of debt hanging over my head. Three and a half years ago I had yet another re-assessment resulting in them requesting £800 a month. I said no over the next two and half years, requesting re-re-assessments, eventually getting it down to…
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Well that was nasty - Wescot Credit Services Ltd
Just had a phone call from Westcot Credit Services Limited. I gave them my BR number but she said I had to write to them with proof otherwise they would call me every single day!! :eek: I told her that I was formally requesting that they not contact me by telephone and if they continued to do that, it constituted…
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Its all done! sort of.....I think!
Hi everyone, just to let you know how I got on. I have a bankruptcy number but I also have a question which I hope someone can reassure me about too, will tell you how I got on first. I got to the court at 10am, went through the metal detector and the woman checked my bag! I had forgot to get rid of any rubbish in it so it…
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More debt reminder letters after BR discharge!
Hello, I've been discharged from BR now for 2 months, but have started to receive debt reminder letters again from the Nationwide. This is for a debt that was included in my Bankruptcy petition, so they have already been contacted by the Official Receiver over 12 months ago! Is this a common mistake that creditors make?…
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Going Bankrupt
Hi I have filled in the forms online to file for my own bankruptcy. I understand that I need to take them to the county court, does anyone know what the fees are if you are in receipt of housing benefit? Also what happens once u have taken the forms in. I understand I will get an interview with an OR, what paperwork do…
