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Saving while bankrupt
Hi all If after being given say £180 to live on while bankrupt a month, i say live on £130 can i save the £50 in a bank account or will the receiver take money i dont use? regards
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New Job
Hi all When should I tell my receiver that I have a new job after being unemployed. Do I wait until I start or give him my start date? Regards
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Early discharge
Hi folks been a while since i was last on this board, i have been lying low living within my means not spending etc etc and i have been feeling good about it all..my question i received a letter the other day from OR for early discharge from BR, i have filled this in and sent it back no problem. My house which i moved out…
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VAT debt
Hello all, I have been trying to post this for a few days but I get so far and start that sick feeling that this is really happening, I knew it was going to happen but still hoped it would not. My oh has a large VAT bill which has been very much disputed and appealed against over the last 15 months, but now they want…
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Waiting for my OR interview
Hi everybody, just waiting for my OR interview by phone at 10am today, also waiting for the man from EDF to arrive to change over a faulty electric meter, between 7am and 1pm they said, I wonder what time he will turn up, 10.15 is my guess....starting to get a little nervous, feels like an exam trying to remember facts and…
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Ccj
Not sure if this is the correct board to put my question but hear goes. If a LTD company is going to have a CCJ put against it would this be against the registered address or where the bills are sent too? Its my husbands company which is a LTD company and it is going to forced in liquidation. The registered address is not…
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Bankruptcy & Joint mortgages
Hi there. I find myself in a situation where I'm thinking of going bankrupt but have a joint mortgage with my mum. If I do go bankrupt in the uk, will she be forced to pay the whole mortgage given the flat is in about 30k negative equity at the moment. I had been told they will not view the flat as an asset in negative…
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Rent before or after BR
Hello all, im looking at going BR soon and was just wondering whether its best to rent a property before or after BR. I currently have a morgage and secured loans on my current property but have stoped paying them now. Also do i tell my crediots who are hounding me for money that im thinking of going BR? I have already…
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help needed
i've got the br fee sorted but need help with where to go i mean which court, i live in lincolnshire
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Can the bank take my house?
I'm in danger of defaulting on the overdraft on my current account and the credit card linked to it. The total amount is £3,500. It's with one of the big clearing banks. I live in a rented flat but I have an investment property. The bank knows that I own it but they don't know the address. The £3,500 is unsecured, but can…
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Day In Court
A quick description of my experience in court: Firstly, I'd like to reassure everyone facing this experience that it is almost painless and over very quickly. Yes, it is daunting and yes, there is an element of "the unknown" about it, but no-one is there to judge you. The clerk was very amiable and sympathetic, in fact, he…
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16 Days to go!
I just wanted to say that it's only 16 days until I get discharged, and I cannot believe how quickly the last year has gone. When I first heard that bankruptcy was my only option I was filled with utter dread. I can't believe what a weight has been lifted off my shoulders, and I think that without this forum, there would…
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Please help. Worried about credit check :(
Hi there, I'm hoping someone can advise, I'm feeling pretty rock bottom at the moment. I've posted recently about looking into bankruptcy and have decided I'll be taking the plunge on the back of my divorce and my ex's refusal to stick to a DMP with me that would run forever. I've taken my house off the market and…
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Employment after BR
Hi there I was discharged in January 2009. What are the regulations surrounding employment in finance type companies. A personnel agent has offered to send my CV to a consumer finance company. I'd be working in the IT department. Would I have to disclose my BR to them? If there are restrictions when do they run out (if at…
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Tried telling a few creditors about br
Failed miserably!!lol Firstly i tried phoning AA Hutton, who are arresting my wges for old council tax, as soon as I told them I had been declared br they said they could not talk to me anymore without an acc number, I have no idea what the acc no is as its been 4 years my wages have been getting arrested and I cant find…
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Yorkshire Water
Went BR 29th May - had a letter today from Yorkshire Water saying they are sending me a payment card and to pay with that. What I don't understand is why? I rang them and they said that they had had advice of BR on 30th May and they had cancelled DD. This account has always been kept up and they money comes out of my OH's…
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More help needed please
Thank you for all your help so far. Had planned to go BR this week after being told our court was a drop in but just needed to ring in advance to check there would be a judge there on the day I wanted to go in, got letter in post with forms to confirm this. So rang up to check judge would be there and was told I needed to…
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Just got ipoq form
Hi i went br in march this year.Since then my work has picked up and so i informed the OR as i was asked to.Today i received my IPOQ form but when i look at other peoples SOA why is there more things you can put as expenses than on the OR form.Also as i am self employed my wages are not always the same and when i get my…
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Help,need advice re: max recovery
hi there. first post and i'm hoping someone can give me some valuable information.... about three years ago i split up with my ex wife.we sold the home and divided up the assets and went into our halifax branch and asked if we could close our joint account and open two seperate accounts. they proceeded to advise there was…
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Lloyds warning
We went br back in October, so any correspondence I just put in a pile and sent OR. The OR recently released our case and said not to worry about sending correspondence to them anymore. It was at that point that I realised that Lloyds were pretending that nothing had happened. For both my account and my partners they had…
