-
Ex Husband IVA
Hi Everyone Well you will have to bare with me, as I m new to this website and it has just taken me 3/4 of an hour to find out how to post my problem. I will start at the beginning and try to keep it brief. My husband and I seperated just over 3 years ago. When he left we didn't have any loans just the mortgage and no…
-
Repossesion date
Hi everyone Anyone know how long it takes from the repossession court hearing until they actually take possesion of the property?
-
can I avoid council tax?
I moved out of my mortgaged house in Nov , and they gave me 6 months council tax free because the house was empty , now they want to charge me half the cost every month , someone said there was a way to avoid it altogether , any ideas appreciated.
-
OH our mortgage and my BR
Don't know how to get around this. I have been advised by cccs to declare myself BR problem is the mortgage is joint and has a joint unsecured part. I would walk away from the house but obviously my OH would be persued for the mortgage and unsecured part. We will struggle to afford it but she doesn't want to go BR so what…
-
Court Order against bankrupt company
I have a Court Order against a company granted last year. The company never paid the £1,700.00 court order. Company went bankrupt but has been taken over and the new owner of the company has admitted he took on the debts and liabilities of the company. Do I have to start all over again or can I have my court order amended…
-
OR Telephone Interview tomorrow morning - Tips please?
Hi All OR telephone interview tomorrow morning. £60k to explain myself for including overdrawn directors loan accounts. Tips appreciated. Thanks About to be toasted Hot Snowman
-
Bankruptcy
Hi, I need some advice on bankrupty. I have heard that when your house has been reprocessed even if you go bankrupt you still owe the remaining balance of the mortgage or secured loan with the mortgage. I have £28000.00 which i will owe once the house gets reprocessed. Also what documents will you need to provide and proof…
-
co-op bank
well I've just tried to open a co-op bank account on the phone and I'm thinking it's not going to happen! she asked if I had ever had an account with them I said no she said are you sure I said yes,then she said or with any of our partners and thats when I knew where she was going with the questions,I asked who the…
-
Bankruptcy order and attachment of earnings order
Hi Last year August I helped a friend through their bankruptcy petition. We included everything on the petition form including council tax arrears for 2008-09 and council tax arrears that had been passed to a bailiff. My friend has since moved to new rented accommodation. Last month he got his wage slip and discovered that…
-
bankruptcy and holidays
Hi, My partner is going to file for bankruptcy. I have booked us a holiday for a couple of months time, would it still be OK for us to go as it is already booked and I have paid for it not my partner. Thanks in advance
-
barclays cash card account
well this lunch time i went to barclays to open a basic cash card account after being made BR on friday. i was even expecting them to say no:eek:. i went in, told the lady at the customer service desk i wanted a cash card account and that i was BR on friday, no problem she said take a seat. She said she could set up an…
-
Petition question - car
The online petition form asks a question about access to other vehicles. I am a named driver on my father's and another family members' cars, but do not have general/regular access to them and have my own car (value £2000) which I need for work purposes. Does being named as a driver on other peoples' cars on insurance…
-
littlewoods direct
Hi There I am looking for some advice I have been on a pro rata payment scheme since february 09 and all my creditors have accepted my proposals without the help of any cccs. However one company littlewoods direct are bargng me with phone calls and have now asked me to send a financial statement to their debt management…
-
Company Loan with a personal guarantee
Hi I have a company loan, I have booked a date for BR and I have a question, I will resign as a Director of my formar company (there were 2 of us). The company has not been trading for 18 months but we could not close as we owed the bank a loan and were not in a position to pay off. So each month we have been paying in to…
-
Buying Car of OR
My OH has now gone BR and spoken with the OR her car is worth £3,300 and the OR has given an allowance of £2,000. Was told that if we can get a 3rd party to make an offer in writing we can buy it back. Has onbody done this and if so any idea on the letting the 3rd party needs to write. The OR has said they are looking for…
-
SoA - accommodation
I have a difficult accommodation situation and could use some good advice: I am just divorced and starting to move in with a new partner. We are likely to marry within a few months at the latest. As a result of the divorce I am being forced into bankruptcy (about to apply for it). My problem is that my work is in London…
-
Bankruptcy and living abroad
Is anyone aware of any rules preventing you from moving abroad after being declared BR but before being discharged? My parents have emigrated a few years ago and suggested that I go and stay with them (maybe even eventually emigrate myself) after the bankruptcy. Im sure there is no ban on you having a holiday certainly but…
-
Charges and Moving on
Hi As a new forum individual, i was pleased with the answers to my earlier thread, (getting to understand all the technical words and abbreviations!). I wanted to ask people, if anyone knows what the charges are for going bankrupt, sorry br. Also where does one go from there? i.e. bank accounts, working either for someone…
-
The journey begins ...
Well, took advice from you lot and in particular, tigerfeet2006 and dalip and contacted CCCS and I'm awfully glad I did as they went thru everything in a non-judgemental fashion and recommended bankruptcy [gulp !] and I have just picked up the papers, which I must say, look very daunting and involved without even looking…
-
House and BR
How long after your bankrupcy was stamped, till u found out if u lost ur house? If you were lucky enough to keep ur house, is that it is it all final or can it change? Thanks
