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How long does it take to have debts written off?
Hi there. I went bankrupt two weeks ago today. I told all my creditors immediately (although it hasn't stopped some of them calling me). So far only one bank has ceased access to my online account and another has marked my account as closed but the debt still shows. All other accounts appear as they did before with…
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My House and car
I was made BR just before Christmas and have my OR meeting in January. I have a mortgage and SL on my home but can't afford the repayments (£1500pcm) and have negative equity so the only option is repoossession. How long will this take? I notice from the postings that in order to rent people are having to pay 6 months in…
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chelmsford county court, essex
Has anyone been bankrupt through this court?? what are the OR'S like?? ANGEL
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Does the OR take basis pay or total with petrol allowance?
Hello peeps, My basic pay is £1550.00 net per month, but i do have a petrol allowance i can claim on. This varies from month to month. My last 3 pay slips show £1722.00 per month due to petrol and car user allowances. I can not guarantee that I will get this every month because it depends on the mileage i do. My rented…
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Soa Help Needed!!
I think this will be the last time I post my SOA as I need to print off my forms soon ready for the 12th Jan. Has anyone got any comments on SOA, any advice would be appreciated. There are 3 people living in the house that is me (of course!!) my son who is 18 and on JSA and he gives me £10 a week until he finds a job and…
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Voluntry Reposession??
Hi all and happy new year! Lots have happened over the last couple of months with me and my debt and now i find myself knowing that i can not keep up mortgage repayments on my house after loosing my job. I have decided to do a voluntry reposession but was wondering how i go about this? Who do i contact? Will they give me…
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Some questions
Hello all, My DH and I are considering going BR. I'm going to ring the cccs tomorrow and ask them for advice properly. I just have some niggly questions that I'd like help with if anyone can please? :) 1. My DH works in a supermarket. Would he lose his job because it's technically handling money? I'm so worried about this…
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Keeping the house, to stay or not to stay that is the question!
Well next month we will hopefully be petitioning our bankruptcy :eek: Our first thoughts were to leave our house which is mortgaged with Northern Rock and has secured loans with NR and Welcome Finance, we are about £20K possibly more in negative equity at the moment. We would go into rented accommodation and take it from…
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Mortgage when discharged.
Hi Everyone, happy new year. Is it possible to obtain a mortgage after discharge if you put down a large deposit? Phil
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Barclays Bank
I just got lost in 'Budgeting & Current Accounts' forum, and couldn't believe there is a 'Barclays Manager' on there and also HSBC person. Look at this thread. I couldn't bring myself under enough control to post my thoughts. The thread is called 'Barclays Bank - Watch Out' and is in the budgeting and current account…
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HELP,One income, Two Adults, What to tell the OR??
Hello Guys, Happy new year. I really need some advice please. My bankruptcy court date is nearing fast and i am going through everything to get ready but still unsure on this. I currently support my fiance financially as she is currently unemployed and seeking work, which means i pay everything for two adults and have done…
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Query
Hi, I have finally done it! Booked at court monday 5th jan. Very scared, hope i will have everything I need. Got forms from C.A.B but they didnt tell me I needed 3 copies. Glad I read that on here.Do I need to write all partners details down, as I am sure I didnt see that on form. He pays rent and council tax, and i buy…
