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Problem
Ok,i had to send my original IVA proposal into the OR and in it it says that i own a car. One of my debts is for this car but i no longer have it,will the OR look into this and ask what i did with the car? I actually let my partner trade it in for the car that we both (mainly me as he also has a company car)use,the current…
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Bankruptcy Help Needed!!!
Hi, I've got no one to blame but myself for this one but i was hoping there is a way out of it. I bought a car (unsecured loan which i'm still paying) just over a year ago but registered it in my mothers name, we shared the car neither of us doing much mileage and to keep the insurance down (her no claims bonus was good…
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what are the forms like that the O.R sends to fill in
The Bankruptcy hearing went well, and i got the BR status, the O.R phoned and that went well, i have gathered all my bank statements and everything she told me to get together,she mentioned she was sending me some forms to fill in and return, what are they like ? she did say that they should have accepted my offers as now…
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My ex is going Bankrupt, what happens to the house?
Sadly, my ex and I split a few month ago. We bought a house in November, we bought 75% and the house co paid the other part which we would have to pay back in 10 years. With the current market the hosue is worth less than what we paid, about 10-15K I think. She was going to take on the mortgage but can not and has said she…
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Is it possible to go bankrupt without losing your house???
Its been a few weeks since I have been on the forum and everything has got a whole lot worse. Can anyone tell me if you can go bankrupt without losing your house. Because the cccs couldn't help us much, I have had to deal with all of my creditors myself and it has got suffocating. Just need a bit of advice. Many thanks in…
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I don't know what to do about this :(
Hi All, Yesterday my OH received a claim form from MBNA they are pursuing in the Northampton County Court as he has defaulted on his credit card agreement (well one of them !!!!!!!) I have no idea what to do about this? I realise its a CCJ & they well be looking for a charging order on the house (having tried to read all…
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Childcare problems and the OR!
OK, I may still be able to resolve this but............ I've just managed to get a place in a local schools nursery section but they only have an afternoon slot. I am now struggling to find a childminder to pick my daughter up after nursery as most of them are already committed to after school pick ups at other schools. If…
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How long does it take to get IPO sorted???
:confused: Not that I want to chase the OR's office too much I am wondering why on earth its taking so long to hear from them. OH and I went bankrupt in January 2009 at Newcastle upon Tyne County Court. Early Feb we met with a really nice guy at the OR's office who took our SOA etc and noted that we wanted to buy back the…
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Can't post on threads
When I try to post on a thread I get this message - is someone trying to tell me something? fiveyearplan, you do not have permission to access this page. This could be due to one of several reasons: * Your user account may not have sufficient privileges to access this page. Are you trying to edit someone else's post,…
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NT Tax Code
We've went BR June 08 and my partner had a NT Tax Code, just realised this hasn't returned to normal now we are in the new tax year. Who's do we get in touch with, his work, OR or Tax Office? Thanks
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Anyone gone direct?
Has anyone gone direct to a creditor (in my case Vertex Data Systems) to make an offer before they go to court? I've spoken to their solicitors but I have a funny feeling they aren't passing on my offers to the Creditors. Possibly as they want to get their fees!
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Credit Score?
When I checked my email account today, I had a warning from Credit Expert saying that something had changed. Well I hadn’t done anything that would create a credit search for a good while, so decided to log in and check. Found that it was nothing to worry about, just my Barclays account saying that the account status had…
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Eeeek Scary Letter from Metropolitan CS
Hi All, Just received a letter from Metropolitan Collection Services Ltd, with regards to my HSBC CC. :eek: The letter basically says.... "If you do not contact us immediately we intend to instruct DG Solicitors to issue legal proceedings and apply for an Attachment of Earnings order. We Should explain that an Attachment…
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Why dont the Insolvency Service speak plain english????
After many emails sent to the insolvency service, I am now under the impression that they do not know how to answer a simple question!!!! Take this email for example: Dear Sir/Madam, DRO NUMBER: ********** My Debt Relief Order was granted on the 19th May 2009. I now believe the 30 days in which creditors have right to…
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SOA question
I have been sent a form from my IVA company because they want to vary the IVA and along with it they have sent guidelines from CCCS. I just wondered if they were the same guidelines as for bankruptcy or whether there are different ones. I want to know where I stand so I can get my head round this whole thing. I wish it…
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how long for OR to contact creditors?
Hi, I went bankrupt on 24/03/09 through the L.i.l.a route in Scotland and was told by my official receiver/Trustee that it can take 60 days to inform my creditors, does this mean 60 working days as i just spoke to a creditor and they haven`t been informed yet. Thanks Chris
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newbie - Hello & HELP (please)
hi guys, I am new to the forum but like all of you on here, my finances are not exactly peachy!! After months & months of burying my head in the sand about my debt problem I finally plucked up the courage to do something about it. I fessed up to my other half who has been fab!! I Also contacted cccs & had my self…
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Frozen bank account
Hi My wife was declared BR in November '08 and I opened new accounts with Lloyds and stopped using the ones we had with RBS but left them open. Only one of those accounts is a joint one which the child Tax Credit goes into as did one or two other small cheques in the wifes name. We haven't used that account and basically…
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Bank Accounts Before Bankruptcy
My husband and I are anticipating bankruptcy soon but we have to fail our IVA first which will take another 3 months. We have been making sure payments to the IVA go out but everything else is being juggled and I cannot do it anymore. The IVA is unrealistic and we should never have been advised to go for it in the first…
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Another one for ED?
Hi folks. Today I have received a letter from the OR, the same as many seem to be getting. It asks for details of income, alas the only income I get is JSA. Do I have to list the outgoings and income? Or is this N/A because of circumstance? I went BR in early March, It seems a little early to be contemplating an ED. Or is…
