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BR and Reposession HELP please!!!
Hi all , been here a few times now and had loads of good advice which to be honest could not find anywhere else. Anyway i have contacted the cccs before christmas and i am now paying my creditors the same amount each month what i can afford regardless of the letters they keep sending. Only one problem is one of the debts…
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thankyou everyone now bankrupt
i just wanted to say thank you to everyone who helped me with all the questions i had to ask. i went to court yesterday and was very nervous, there was nothin to be nervous about i had to see the judge who was very nice indeed. im now bankrupt and have got the weight off my shoulders lifted. anyone who is worried please…
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Joint secured debt with ex wife how do I /debt stands?
Hi All After getting divorced, a secured loan against the former marital home was not paid off from the sale proceeds of the house. This was an oversight by ex's solicitors. Ex has defaulted on paying her half on several occaisions but is now filing for bankruptcy. She says the receiver isnt sure on the outcome of this…
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bankrucpy info
hi everyone, ive just got one quetion i need answered. Im going down the bankrupcy route and i have a mortgage, from what i gatherd theres a high possibilty that i will not get it taken from me as i have no equity. what i need to know is as im not working at all at the moment and have no income, my mortgage is up to date…
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life insurance and the OR interest in it
Hi everyone! :D my OH got a letter today from our life insurer to say that the have been made aware of my BR and that as a result, the OR is now entitled to my legal right to 50% of any payout. Now this is fine. My question is - as this is a non profit policy which has not got any cash in value whatsoever - can my OH buy…
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Help!!!!
My husband and i are both regeistered disabled and live in rented house with two children. Car is motability. no other assists Obvoiusly receive income via benefits, what will happen to these? Will account be frozen? Will landlord have to be informed, will we be asked to leave? Thanks is advance
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Going Bankrupt in Northants
Hi I have been reading this forum for the last 18 months and it has provided me with lots of useful information and help on my journey through my debt. Basically due to many reasons I went into a debt management plan in October 2007. Unfortunately my husbands company is now failing and as a result I have now gone bankrupt.…
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OR might say can have cheaper car but mine has to go
Hi again guys, sorry for the all the questions. CCCS have advised that as my car is worth £4500, that an OR would probably have an interest in it even though I use it for work (an absolute essential, not a convenience). They advised that he may let me have a cheaper car which I honestly don't mind, as long as I have…
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My Day At Newcastle Court - 28th Jan, It's Over!!!
:j Well folks I promised I'd get back to you to explain about my Bankruptcy Hearing earlier today. First things first we made certain we had the three copies of each form, so thats 12 forms altogether. Tick. Did we have the £495 fees each? Tick. Not sure if we needed formal ID so we took some in case? Tick - we didn't need…
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Just looking for a little assistance
Hi there everybody, Been lurking on these boards for the last few days seems to be some knowledgeable people on here. If anyone has any input it would be much appreciated. Whats happened is when I split up with my ex 3 years ago (i'm 26) i didnt really have any debts only 600 which i borrowed to buy a car and was…
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Please Please Help....
I have just cancelled 3 lease hire contracts in writing (im a sole trader and they were for catering equipment at my business premises) Anyway they always quote the Consumer Credit Act 1974 when they write nasty letters to me so there I went quoting it back ie my right to terminate under section 99 of the Consumer credit…
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Last/Lastest Version SOA and Cause of BR Statement (09:30 29/01)
Comments welcome "I am a single mother of a 3 year old. When I was pregnant with my son I lived with my mother and my son’s father. The pregnancy wasn’t planned and my son’s father did not have a job. The pairing was a cultural pairing and I had a lot of pressure to stay with him. The relationship was abusive. I worked…
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EDF Energy and paying by direct debit
Hi all Both hubby and me going bankrupt in April (need this time to find the fees :o ) and we have been advised by CCCS that as we pay monthly by direct debit for our gas and electric that our energy company may not let us continue with this and we might have to have a costly token meter installed. Wer'e with EDF, does…
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Discharged Bankruptcy ~ need some advice
I was declared bankrupt in March 2001 and was discharged March 2004. Applied for dischargment certificate and case was closed. This is all in Scotland if that makes in difference. I have never since applied for any credit since.. I have two current accounts ~ and have done since 2003 and have never had any problems ~ over…
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How long before the OR contacts you????
Hi I had my court appearance last Thursday, I was told by the clerk that I would hear from the OR either that day or Friday.. I still havent heard anything and havent had anything in the post.. Should I start worrying??
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question ?????
hi i was reading the notes on br and property and assets does anybody know if after you are made br and you aquire an asset, as the or or trustee has 42 to claim it would i be right in saying that after the 42days he could not claim it yes or no ? please see below link…
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Debt Collectors Procedures ?
Hi, i have a question, if a credit card company passes your debt on to Debt collection Agency i have had calls and now a postcard from a company called AEGIS saying that they will be paying me a visit on Saturday between the hours of 8AM and 9 P.M. what am i supposed to do ? i cant pay them, do i have to let them in, and…
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Co-Op Account pre-BR Question!
Hi All Quick question about an account at Co-Op. We have opened our Co-Op account in joint names ready for when we go BR and have all our money now going into this account and have set up DD & Std Orders etc. My question is, if I am able to open an account with Co-Op pre-BR in just my name will this account be frozen when…
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Creditor Calls
Any tips on what to say to the creditor when they do speak to me, am due in court on 3rd March, I am ignoring calls at home / mobile. But some are calling me at work which reception put through to me. Today I said I am trying to sort something out over next few weeks and was told this is not good enough and must pay at…
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Im going bankrupt and need advice
Hello i am going bankrupt and need advice. I owe 50k all unsecured. I am moving out of my rented accomodation this week. I suppose i would have to move in with my parents. Whos address do i use? Parents might not be to impresed I suppose. Because I will not be paying bills etc and I am working does that mean they will take…
