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bankruptcy and pregnancy
Hi my husband and i are in the process of going bankrupt and being repossessed. We're hoping to go bankrupt in march. I found out yesterday that i'm pregnant so although it's really really days and i'm not due until september i just wondered if anyone could help me with a few questions. I should be entitled to matternity…
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Bankruptcy, is it the answer ???!!!
Hi my name is Jeremy and I am at a point I need answers to my debt problems. Well here goes: I am self-employed and fit Kitchens and Bathrooms. It has been quite successful (until now!). Things started getting tough about 2 years ago when I employed someone and it started to drain the finances so I had to let him go, then…
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wages help
If we are made bankrupt and the OR shuts down all bank accounts for the forseeable, in what way can you arrange for your wages to be paid. My hubby has to have a bank account for payment. Benefits I have read will be ok as I can open up the account for benefits at the post office.
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Local Papers
Hi Guys and Gals. I know this may sound trivial but it one of the parts of BR I imagine a lot of people think about. How soon or long after court and petitioning for BR do you appear in the local paper, is it weeks or months? Do they tell you what date it will appear or do you have to keep looking? Regards.
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Help, new here.
Hi All I don't know where to start really. I am in debt to the tune of about 70k with different credit cards, bank loans and overdrafts. I was in an IVA until last year but it then failed due to my business ceasing trading as it was no longer making a profit. I am totally unsure as to what to do but see BR as possibly my…
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Assets section in online form
Hi! Going through the online forms, and get to section 3 (the Assets section), and im stuck! Typical. We dont really have any assets apart from our cars. Is this where we put these? Thats all we have really. Rented Accomadation, no expensive furniture or TV etc. Sorry. This is my 5th question today!!
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ok we are now officially bankrupt no 001 and 002 of 2009
hi! and before i start please may i say a big thankyou to everyone on this forum who have helped us with kind words, advice and most of all a good ear when needed. this is a blow by blow account of the days proceedings for those who want to know if it is not your thing please dont read it and state it was a bit drawn out.…
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if anyone has a nationwide cashbuilder account you dont need to switch after br
this is the account prior to br. i set up a co op account but my CHB still got paid into it so had to get OR to unfreeze it. i thought that once i took the money out the account would be closed but the sent me a letter saying i could still have the account, but this was the day after i drew the money out and closed it.…
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Hooray!
Hi All, went to court this morning, appointment at 10 am, clerk checked paperwork, all fine, paid my dues, swore my outh, Judge didnt want to see me, left at 11am, BR. It was very simple and painless. Had call from OR at 330pm, will be having phone interview on 14th. So thanks to all those who wished me well, and to all…
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Advice pls - newbie
Hi all this is my first time posting on here but I've spent the past few days reading previous threads and could really do with some advice. Sorry if its a long one. I left an abusive marriage 6 years ago with £7k and two children to start again. Paid £3,500 deposit on house which left the balance to furnish house from…
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the man from northern rock, he say ..........
yes! done it folks, got the mortgage on the unsecured property so can pay off mortgage on this house, secured loan and a good proportion of my debts. will be a frugal existence but will survive and not have to go br. a good start to the new year and not before time. in the two years since my husband died in oct 06, have…
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Lodger whilst bankrupt
Has anyone ever taken in a lodger whilst bankrupt? My company is stopping overtime from this month and I won't be able to pay mortgage and secured loan. I am thinking of looking for a lodger and the rent I receive will equate to what I used to earn in overtime. Can anyone let me know if they've had any experience of this…
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Advice Please!
Hi, My husband and I are in the first stages of going BR but I am unsure on so many things If the debt is about equal between me and my husband but I am a stay at home mum and he works full time, will we be covered under one BR? We were told to open a new Bank Account and transfer all our essential bills and salary to it…
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pensions bit on br form HELP!!!!
hiya just trawling through my br form and come across the pensions part, now it says personal pension - I have a company pension which when i was employed by them they paid into as part of the scheme - is this the same thing? also i am actually receiving part of this pension monthly (at a ripe ole age of 37!) as I suffered…
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how much ££ is the court fees?
sorry i must be blind but i cant see how much they actually cost? for 2 people doing it seperatly thanks x
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rijo soa
Hi and good luck to everybody in this forum and many thanks for your help. Here is my soa for you to scrutinise any help will be greatly appreciated Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 2 wife has one other is van for work Monthly…
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Failed IVA Certificate??
Hi all. I'v eread some threads regarding failed IVA certificates and that some Courts require one. I have contacted my Local County Court regarding the above and they confirmed that I do not need one. However, my IVA contract states that missing 2 or more payments will constitute a failed IVA. Does this mean I need to miss…
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How to pay the Courts?
Me & the OH are going BR next week. How did everyone pay the court? Was it with cash, as i dont have a Chq book. And while im here whats the maximum you can pull out on a Co-op card each day?
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Bankcruptcy & Personal Injury Payment
Hi, I am slightly shocked to discover that I am being made bankcrupt, following problems with old tax returns and ignoring scary letters saying I owed them 10k when in actual fact I owe them just over £3k. However, it seems I was made bankcrupt on 18th December 2008. Initially, I was mortified and thinking all kinds of…
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Moon Beever
Hi all. I am BR since Dec 2008 and I had my nil tax code applied already. I have been told that Moon Beever will contact me soon and will need to pay them the tax. Everything correct but ... I read on this forum that they will ask me to provide the last 3 payslips so they will calculate the average tax I paid and this will…
