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Opinions please
Hi, my oh is facing possible bankruptcy due to a huge reduction in available overtime, wage has gone from an average of 1750pm down to an average 1398pm. It is looking possible that I will be gaining a place at uni in sept therefore supplying me with a student loan and grant totalling approx 6k....what do I do? do I let…
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HELP...Ashley Park
I am so annoyed. I phoned a company regarding a loan and was duely passed to Ashley Park a Debt solutions agency. It sounded like a good idea at the time so i said yes. Fortunately things changed slightly for me and I no longer need their service. They have debited my bank account £75!!! Unfortunately i did not realise…
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Ex160a
I am due to petition for my BR tommorrow, i have filled out a EX160A form and have my job seekers income based forms to prove that i am on it as evidence so that i can get £150 off the fee, only thing is i've just notice they have to be dated less than one month from the petition, only mine is two and a half!! but they…
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Order of discharge???
Hi i was declared bankrupt 2007 and discharged in 2008. When to the bank today to set up a business bank account and they said they coudlnt do it until i showed them an insolvency order of discharge? Apparently some debts on my credit file were showing up as not solved as they were not included in the original bankruptcy…
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natwest solo account
i have a natwest solo account and am going br on the 1st July:eek: i have just spoken to them on the phone to cancel a direct debit and asked them wether i would be able to keep this account and the lady on the phone sais yes no problem the account would not be closed, i have opened a co op account and all direct debits…
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Don't believe everything OR's tell you!
I would like to say a big, big thank you to Fermi, Blind as a bat and Debt Doctor, without them I wouldn’t have known where to start, thank you. We went BR back in June 2008. After a very stressful year of juggling money, avoiding letters and calls etc. On going BR we were allocated a female OR from Sheffield, seemed very…
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Pre-paid electric meter -change
My wife has a buy to let property with 'normal' electricity supply chargeable to the tenants on account. The tenants have acted on their own accord and applied to have meter changed to pre-paid. We are not 'jumping up and down 'about it; but would prefer this not to occur. Our tenants and the electrical company have both…
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The scary part over......
Hey there.... Filed my petition for bankruptcy this morning - thank you all for your help & comments. Although they forgot to actually give me my copy of the bankruptcy order. Had my interview with the insolvency chaps this afternoon, bit scary answering the questions and trying to remember all the correct information. A…
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Just a quick question...hopefully
HI, I was just curious as to wether anyone can help me with a query I have. my OH is at the start of a dmp, with the hope that his overtime reappears and he can pay off debt at more substantial payment that the £5 p/m currently...However more impending redundancies etc, this is looking doubtful, his wage is dropping month…
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Letter from OR
Hi, can you help? Had a letter from OR today saying that they had recieved information that i was now in employment and to fill in IPOQ. I am not in employment as i get carers allowance for son. The same came to my wife who only works voluntarily - do they class this as work? she gets travelling expenses but no pay, do…
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Please Look at my SOA
Hello all, 'B' day is getting nearer - Friday!!! I've just gone through my expenses, could you have a look over and let me know if i can make any alterations as my surplus looks a little high. Thanks Number of adults in household........... 1 Number of children in household......... 0 Number of cars…
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My SOA
Hi guys, I am just at the start of getting all my debts sorted, so wondered if you could possibly have a look at my SOA & tell me what you think & advise me on the wrongs & rights of what I have put down. It is only me that is going BR. I am a self employed sole trader & ALL the debt is my own personel debt. I have no…
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How long does it take the OR to write to the creditors.
My O.R said she would write last Friday when i was made bankrupt, i know it is too soon for them to have had her letter, it is just that MBNA have been told time and time again i am BR yet they are writing daily, telling me it is in my interest to phone and they strongly recommend i do. They just seem to get me to phone…
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Income Payments Order Questionnaire
IPOQ I have just received an IPOQ in the post along with a letter from the insolvency service, basically stating i need to fill in and return if i am to be considered for early discharge. Im just a little confused on how to fill in as i lived on my own when i went BR, and i now live with my partner. I am currently not…
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A tale of post bankruptcy clean-up
As you may know I've been supporting someone through a bankruptcy, and now I've been dealing with their credit file. First things first, applying for the credit report. Experian is a free trial. As is Equifax, however you only get one full report in your trial, it's not constantly updated like Experian, so to avoid any…
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lloyds tsb current account
hi went br on 7 may after a very long struggle included in the br was a lloyds acc i had went to speak to them after they wrote to me and said they were charging me £150 in charges as it was a joint acc explained that it was my fault the charges and they have been wiped i was shocked to be offered to keep the acc something…
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was this a BAD thing to do?
Hi, need some of your lovely peeps advice. i booked a holiday on my credit card before it became apparent that i would have to apply for sequestration.........we are due to go next month, will this go against me when i have to speak to the AIB?:( i really was not aware of how bad things were when i booked it on my card as…
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HELP!!! Homelet Credit Checks
Hi there, I posted this on the "House Buying..." but no-one has been able to answer.... I've had my first viewing for a rental today. I'm trying to get out of my living situ pronto as living with my ex and will be applying for BR soon. The flat couldn't be more perfect for me, the agent has said to me to pop into the…
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I have been discharged, can i sell my house
Hello, can anyone please help. me and my wife have both declared ourselves bankrupt but recenly been discharged. the strain of this period has caused us to seperate. Can anything be done to sell my house so me and my family can have a fresh start? the house is solely in my name and the official reciever is control over it.…
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Bought a car from bankrupt person?
Hi there, I bought a car from a bankrupt guy, unknowingly, 6 months ago. I couldn't believe my eyes when I received a letter from the insolvency practitioners stating I was a 'beneficial owner'?? of the vehicle and I have to deliver it to them immediately or they will come for it themselves. They also state that I will…
