-
where do i start?
hi all. ok here i go....i have about £20000 on cards+£15000 on loans.just split from wife+the house went up for sale today.(we owe £100000.might get that+pay of mortgage). im in scotland,i think+hope BR is for me. ive been reading a lot about this on here,but ive not been taken notes,so can anyone tell me, 1.how do i start…
-
First Revenue Assurance
Has anyone dealt with this company? I want to make an offer to clear a debt they bought. Anyone with the current phone number / address? TIA
-
Help towards BR fees?
Hi, I've been putting it off for a while but i have no other option. I have around £45k of unsecured debt (loans,cc and negative equity from repossessed house). I am now living in a council house, i am on HB, CTB and IB and dont work. BR is the only option for me but i can't even afford the fees. Is there anyway round the…
-
Re Online Forms, have I missed something?
There doesn't seem to ba anywhere where I put in my current monthly payments to creditors on my SOA, is this correct or have I missed it?:confused:
-
Car and Bankruptcy
Hi All Im newly bankrupt and just finding my feet with things. I did post a question (on another topic) and was very happy with the help that I got. So, I am here again asking for some more help! I just received a letter from the OR a few days ago saying that I could keep my car, it was only worth £500 or so. Anyway, i'm…
-
Pension help
Hi guys A friend on mine is thinking about going bankrupt and has a pension question i cant answer. Can any one help?? She have just retired and her husband is going to retire in about a years time. How will BR affect there pension? Will the OR have an interest in it at a later date? I hope this makes sence
-
Over exaggerated earnings when appying for loans
Hello, having just separated from my ex, i am out of work and cannot afford to pay the joint loans that my name is party to, the trouble is when my partner applied for the loans she said i was working when i wasn't when she applied, as to bring the APR down on them (she was working), i currently am joint and sever-able to…
-
Question on BR
Hello all, I've currently stoped paying any of my creditors as im going to go BR as soon as i can. I just wanted to know now im not paying them can i use my wages to pay some family that i owe money to and save some for a depoist on a rented property and the court fees!! would it affect my case for BR when i go court and…
-
Please help someone
Im not sure if am posting on right place and have tried posting on dfw thread also.I am on dmp with payplan but now bank of ireland have written to me telling me that as they have receuved no satisfactory payment when are passin my account to solicitors to start bankruptcy or judgement proceedings. I really dont want to be…
-
few questions- council tAX AND bank accounts
When BR on Friday, i put down my council tax arrears for my house which was repo'd in march 09. I was told by the lady in the court I couldnt put it down and i would have to continue to pay the arrears (which i haven't included in my SOA). Is this right? the CAB told me it would be included:confused: Also I am going to…
-
High Court date on 23 June - should I attend?
Hi chaps, can I just say what an amazing resource this is. I've been around the internet for a while, but it's heartening to find such a great bunch of like minded people helping each other out. Anyway, I've done a fiar amount of research on here and elsewhere, and find myself needing to ask a question. I owe about £30k to…
-
The July 2009 Bankruptcy and DRO Club!
:DHi everyone, welcome to the July 2009 :D :D Bankruptcy & Debt Relief Order Club. :D This club is for everyone who has gone through the process of Bankruptcy/Debt Relief Order during July 2009. So please feel free to join and post. Pop your name on here, the date that you went/are going Bankrupt/DRO and the stage that you…
-
Debt Advice please
Hi, I've just registered but have been visiting for some time and it seems that people get really good advice with this site. I'm looking for some help and advice please. I have debt problems. I live in a council house and am behind on my rent and council tax by one month. I also have debts which I referred to a debt…
-
Filling out the SOA
Filling out my SOA, should i include my water bill in this in regards to my creditors, i think it's about hundred and something, is that allowed? if so will the water company cut me off? also are there guide lines as to what the OR views as reasonable living costs?...thanks.
-
Contents insurance
HI, I wander if anyone can help me with this question? I am due to renew my contents insurance and whilst doing a few quotes on line have noticed that one of the assumptions they make about you is that you have never been declared bankrupt. (I was in Dec 2008 - had ED June 2009) I wander why this would affect it - as…
-
BR, IVA or DMT - what is likely to be best for me (see thread for details)
Hi all My wife and I own our house. It's being valued on Monday by 2 estate agents and I am going to guesstimate that the value will be around £145k. Our secured debt is £127k with Northern Rock. Our unsecured debt is £60k - £30k of that with Northern Rock. After completing the CCCS budget rememedy we have approximately…
-
Last minute BR questions?
Hi, Just helping my girlfriend through her SOA as she has her court appointment on Tuesday. Would like to ask you guys a couple of questions please! Firstly, just filling out the Outgoings, when filling in 'clothing' and 'other essential payments' as since deciding the best route for her is BR we have found out she is…
-
Redundancy
hi can anyone tell me just out of curiosity if you decide to go b/r how would that affect any redundancy payment ie 34k.
-
Bankruptcy would there be much difference?
Just curious if there would be any difference in the way things are at the moment. We don't own our home, have nothing of value, haven't been able to get credit for years, If I was made bankrupt surly the only difference would be I am debt free?
-
Bankruptcy Ramifications For My Other Half
Hi all, really need some advice as this will be obviously a huge step for me. I have caused myself terrible problems all through my own stupidity over 3 years ago. I have over £40k worth of debts and I currently have a DMP running with the cccs but this will take about 48 years to clear my debts and I don't have enough…
