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court claim forms for debt what do i do?
Hi all, I'm not sure if i'm posing in right forum or not, so apologies if i'm not. My partner has received 3 court claim form's this morning for 3 store card accounts, i've rang the solicitors and they said they received payment from payplan today, so the amount outstanding on my forms is wrong now. Where do i stand? is he…
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Need as much help as possible!!! Greatly Appreciated
This is my second post so i thought id tell my story and get some answers from everyone. My problems started when i decided to go self employed.My business partner and i set up 2 companies both of which had factoring agreements to help with our cashflow. We owe both companies about £30k each. The majority of this figure is…
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IVA and getting out of it the easy way....
I missed my Jan payment as I said because basically, I could no longer afford it and having sent my paperwork in to DFD for a review in November and, telling them that I was £130. down a month due to ex stopped paying they still wanted the £298. I had a phone call from them yesterday and they were quite stroppy, I…
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SOA advice please
Hi all, I've got my court date on the 29th of January and wondered if someone could take a look at my SOA. Thanks in advance! Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... Number of cars owned....................…
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Hello from the capital!!
Hi everyone, Currentley working my buns of in London, well Wimbledon!! We are moving house on Saturday, hello new house and goodbye mortgaged up to the hilt house!! Just need to save the fees now for BR!!
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Court Tomorrow 28th Jan - SOA advice
Hi to everyone and thanks so much for all the fantastic help and advice that my wife and I have read over the last three months or so :T - its been invaluable and very reassuring that were not the only poor people in the Bankruptcy situation. We had a failed business venture which simply couldn't survive the downturn. We…
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Q1: forgetting to list a creditor / Q2: Council Tax
Q1. I was issued my Bankrutcy Order last night. This morning I just had one of those sharp 'I've forgotten something' moments and, having re-checked through my paperwork, I realise I've failed to list an unsecured creditor. Am I now still liable for this debt or can I phone the OR to manually submit the details? Q2a. The…
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going bankrupt need advice 130000 in debt
Im needing advice before we do il list my debts and questions because it get complicated we have a together mortgage with northern rock which is part secured loan and mortgage, I have had house on market for 1 and half years and am in negative equity now. I will our debt now then ask questions mortgage 92000 made up of…
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Petition for Bankruptcy - Have read lots but still have questions
Hi Everybody I have been advised by one of my creditors that they intend to petition for my bankruptcy. This could actually be a blessing in disguise for me, I have multiple debts, which due to my circumstances I will not be able to pay off added to that a CCJ and terrible credit file and a fresh start would be better for…
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What To Do
Hi All, I have 22k unsucured debts and have a disposable income of £86 pm after essential bills and rent, i've decieded BR is the route to go after advice from various bodys, What is the order of play and how do i get a court date and who do i need to inform of my pending BR
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Pat On The Back
Hi, when deciding and going through BR and also afterwards, i have found this particular forum a vital source of information, compassion and advice. Most importantly not being judgemental. :T Since i went BR in December 2008 i have began looking around the whole site but i have realised that others on the site are far from…
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Starting My Bankruptcy
Hi everyone. Well had my telephone interview with CCCS, who have advised BR. So have cancelled direct debits for my debts, hope this is right. Bit confused about my car, apparently it is not on HP, but is a finance loan through the company who obviously still own the car until it is paid for. Is it ok to cancel the payment…
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Redundancy Protection is this income???
Hi all Just a thought. As redundancy looms large on the horizon (I work in an estate agents office) if I had to claim on my redundancy cover would this constitute income? I think it probably would but has anyone experienced this?
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a little help with forms?
just had the forms from my local court and come to section on assets not sure on couple of things tools of trade-i work from home couple of days a week and use computer and internet do i list this as tools of trade and the internet as well? fixtures & fittings-do they mean like everything in the house? local court gave us…
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Head is just spinning!
Hi all, Ive posted a few questions but still my head is spinning and just cant seem to function as my mind is all over the place! Here are my main concerns: 1. My business has been going 18 months but really quiet and I just dont have the resources to carry it through financially (and mentally) We havent signed the lease…
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House
Court booked for 3rd March, wondering re house House is worth around £175K, have a morgage of £179K and a secured loan of £55k, so negative equity. Total monthly payment of £1500, which is all upto date and can afford on my SOA after BR. Only myself going BR at present, wife is currently out of work but looking, ideally we…
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Joint Bank Accounts
Hi everyone, thought this BR was going a bit too smoothly. Have realised that both our Joint accounts are still active, contacted Barclays today and they said that yes my business account had been frozen but not the joint accounts they have removed my name and put all liabilty in my wifes name, they never contacted us and…
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Getting totally stressed with questions!
Hi everyone, have been loitering for a few days reading through a lot of the posts but still have some unanswered questions so thought I’d take the plunge and post my story! This is a rather condensed version. Around 3 years ago I opened a shop in partnership with my mother, this involved taking out a lease on premises…
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Welcome Finance car and BR
Does anyone know how long welcome finance take to collect your car that is on HP when u go BR? Many Thanks
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Parking fines and BR
Can I include parking fines in my BR?
