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Council Tax Demand
I have been late in payment for my council tax for the last 2 months, about 10 days late each time. Last month, RBS froze my account so I was unable to pay anything out after my wages went in...mortgage/loans/credit cards and council tax just to name a few. I have received a letter/demand today from Wyre Forest District…
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Can an abody help me please ?
Hello Again, Sorry in advance - been drinking some very cheap wine I found in a cupboard !! Anyway - I have spoken to cccs and they have put me ona DMP but cananyone please tell me why I acn't go for an IVR?, my wage is reflected as it is now but I have adecent job and I am currently signed off with depression and anxiety…
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Daft ponderings of other halves
Hubby and I were talking about out upcoming BR and pondering various questions. One of which regarded what assets the OR is likely to try to sell (apart from the big stuff like the house). It turns out that what he's most concerned about is his box set of Laurel and Hardy DVDs (cost about £50 new), bless! :rotfl: Can…
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Whats it like at the court appearance?
As i understand it anyone petitioning for there own BR has to attend a petition hearing at court, do they ask you intrusive questions at this hearing or is that done when the OR phones you? Sorry for asking so many questions, i did check out the FAQ section of the forum but just wondered what other forum members…
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Please say I can keep this :)
I have just found out that due to our low income we are entitled to hb and ctax help! But I have asked them to backdate it, as I didn't know we were entitled. I had asked the tax credit people if there was anything else we were entitled to and they said no, I only realised when someone on Bounty mentioned it. My question…
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Keeping my car worth £700
Do you think BR would let me keep my old car worth about £700, unfortunately i'm not working at the moment but am actively looking also my dependant child has asthma and i need the car for him as public transport tends to worsen the condition if he's forced to use it?
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My reasons for bankruptcy, comments gratefully received
[FONT="]In October of 2005 my marriage broke down forcing me to leave the matrimonial home, in leaving the home I incurred large costs, mainly met by credit facilities, with the intention of clearing the debts from the proceeds of the matrimonial house sale. The house took much longer to sell than first anticipated,…
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IPA – The big question -When??
Hi everyone, I am sure I have read this somewhere and the general answer is that an ipa can be imposed any time before AD, however I just thought that I would ask you kind people, the general timescale that your ipa’s were set up. This morning me and hubby have received our letters from moonbeever (wot a weird name by the…
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Bankrupcy at just 24?
Hi everyone, I was hoping I would never have to post in here but looks like the times have just got too hard for me. Basically, i've been umemployed for a few months and predict that I can't make any payments from 1st July onwards. My debts are: £9700 loan £1600 credit card £800 overdraft £400 PC loan (don't own the PC…
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SOA Question
I am thinking of bankruptcy to clear my debts, looking at the SOA it asks to list my partners income as well as my own, ie the total household income. Q. Does this mean that I also list my wifes minimum monthly Credit Card payments + 10% ? on the SOA as an outgoing monthly commitment. The reason being is she works very…
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bankcruptcy how does it work new 2 all this pls help
hi my hubby and i are with the cccs and had a budget review in which they suggested we go bankrupt.:eek: a mine field! now we have heard you cant go bt. together, problem is i dont work my poor hubby pays my share of debt, all i recive is benefits how will that work? now if we did go bt. how dos it work, i have a disabled…
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help on will and inherritance please .
Hi All Long time since i have been on here been getting on with life in general .I have a question and would dearly love your advice and help as always . A close friend sadly died last week and i have just found out he made me an executor to his will and I will inherit aprox £10,000. I went bankrupt in April 2007 and was…
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Bankruptcy married to a sole trader
Can someone please help with this one? I am in a whole heap of debt (all in my name except 5K in my husbands). My husband is a sole trader (tradesmen). If only I went bankrupt how would this work:- We have a house which is in negative equity (mortgage about £600 a month) - are we likely to keep this as the way I see it if…
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Bankruptcy and Benefit overpayments??
Hi i'm thinking of going bankrupt, i have various loan debts totaling around 15k but i also have about 2k in benefit overpayments!! and was wondering if the benefit overpayments can be included and cleared by bankruptcy ( i was formally cautioned by the local council because they were Housing benefit and council tax…
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Im Discharged!!!!
Hi everyone not sure if there is anyone here who remembers me but myself and my husband were bankrupt on 7th January and this forum was our lifesaver during what was an awful time for us . ANYWAY..... looked on the insolvency register this morning and DISCHRGED even funnier we recieved our letters this morning confirming…
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Car insurance in BR paying for direct debit
Hi, we have today received renewal for car insurance from Aviva we have been with then for over 10 yrs today they say they cann't offer direct debit and we need to make full payment can anyone suggest who will let us pay by direct debit
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My journey....
Hello my lovelies.... I went BC in February this year after a long hard battle with myself over it! It was a VERY stressful experience and I lost my car because I also have a company car :( ..... What seemed like an eternity an IPA was put in place for £250 a month, I was hoping for less but I new with my earnings this was…
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Talking to the OR before BR
Just finished talking to NDL and they suggest contacting my local OR before the BR hearing and asking them hypothetical questions based on my circumstances to see if they would be happy to go 'easy' on me. I've never heard of this before. Anyone else been told this?
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being reposessed next month HELP
without going into too much detail my friends house is being reposessed next month, his partner has left with their child and he's filling to go bankrupt. just wondered if the council would house him and how he'd have to go about it. He'd also been made redundant 3 months ago (he's in the car busines) so is out of a job…
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this board.....
ok so maybe i'm a bit hormonal and gushy this morning but i just wanted to say that the members of this board are fantastic and the support that everyone gives is amazing. i have just read flowerpots post and the replies she received and the offers of help really touched me. it's so lovely that people are willing to give…
