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pregnancy/ payments
What would happen if i became pregnant during the 3 years of paying bankruptcy payments. ie i am on maternity/not workign and not earning?
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help please
hi please could you help me to help my daughter she is on a DMP at the moment she is worried in case she is made bankrupt by a creditor and what would happen about there house, her husband is self employed but not in debt they have a house in joint names which has nearly enough equity to pay off all my daughters debts the…
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Bankruptcy - wrong address given
doing some web research[1] I've found that someone's claiming to live at a house on my street that they can't possibly live at - (as well as one in a different area) for their bankruptcy petition. Surely they check these things out? [1] Yes I am nosey.
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Bank charges on closed account?
Well DH and I went to the Halifax yesterday to close our account, all fine we thought. Today I thought I'd check online to see if the balance really was £0.00 and discovered that the lady dealing with it didn't take into account a card payment from a few days ago which I told her about and got the cashier to give us too…
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IPA questions
Hi all... Discharged 14th May and finally starting to sink in, which is great.. Not been working since BR 5th Nov 08 due to a number of factors but may be offered a job next week... Fingers crossed. Just had thoughts about a possible IPA should my surplus go over the 99 pound mark.... However i recall a previous thread…
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What to say on financial statement.
Its driving me nuts and I didn't know where else to put this. Every time I sort out a financial statement, I am told that the amounts I put down are wrong and the should be this but then some other debt people give you other amounts. What is the point in asking me if my amounts are always wrong? Why not just give me a…
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Finding it hard to cope with all this debt stress
Hi all, Am new to this but wanted to say this site has been a lifeline, have learnt so much and it really helps to know we (hubby & me) are not alone in struggling with debt. Brief history, debts accumulated over the years, was coping ok till OH made redundant at xmas, he found new job eventually which he loves but wages…
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Bankruptcy advice
Hello, I'm hoping I could get some help. My wife and I are each filing for bankruptcy. We have 6 children with another due in 2 months. I have a TV on HP and it costs £140 per month. Will I be allowed to keep the TV and continue payments or will they not be happy with that? How would I present this on my bankruptcy…
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northern rock together mortg
hi, another quick question(sorry) I have a jnt together mtg with my OH for around 20k, my OH is in trusted deed so NR are coming after me for the loan(unsecured) i dont have the funds to pay for this. from reading other threads can they make this loan secured against the property? and if so how? (i am in scotland) as…
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voluntary house repossesion letter
I have no internet other than my mobile for the next week and need to write a letter to motgage company. Has anyone got a template letter I could use please. The stupid phone I am using is not much help. Many thanks
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Ive just reduced my hours to avoid an ipa , how will the OR react????
Hi , I decided to start a new thread on this , I have just had my child tax credit increased by 70 a week , I have reduced my working hours so I avoid an ipa It is obvious to the OR that I that is the reason , do you think she will frown upon this and maybe put me on an ipa?
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Did you tell all the creditors you were BR as they wrote or how did you tell them ?
It's me again, sorry all, i do appriciate you. Did you tell all the creditors you were BR as they contacted or just ignore them ? The latter sounds more fun i think.:A
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taken name off account
I have now removed my name from our joint account as DH isnt going BR....so can i just confirm he will be ok, ie no comeback because of my debts and bankrupcy, as someone previously mentioned doing a disasociation or something, if i need to do this can someone tell me how i do it please. And shall i change my child tax…
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Does child benefit count as income?
Here is a quote from the insolvency service Your income includes all payments you get, including income from self-employment, PAYE 7 employment, benefits (including child benefit and child tax credit), working tax credit and any payments under a pension scheme. You will be asked to provide details of your I always thought…
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Impact on new partner
Hey again... Hopefully the very last post I'll have to put on here as I have court Tuesday. So my new partner has asked me to move in with him. Just as I've sorted out my outgoings on this blasted BR form. Will this have any impact on him? He owns his place and is on a very decent wage. I don't want it to affect him in…
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increase in income just before ed!!!
Hello The child tax credit decided to start paying us 70 a week now , this has pushed our income into the realms of us having an ipa , obviously with only a short time before ed , this is the last thing I wanted , I have reduced my hours of work to bring my income outgoings back to a negative balance. But where do I stand…
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Cant keep away
Thought i would pop on and say hi to all. All new comers its not a hard as you may think it is .. OR interview isnt a nitemare waiting to happen. I am only 1 month down the line NO MORE LETTERS NO MORE PHONE CALLS and i SLEEP LIKE A BABY I recommend bankruptcy to anyone struggle to pay bills loans debts .. Theres still a…
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Now I'm discharged - how long do I wait before starting credit file cleanup?
I was discharged a couple of days ago, and today I've paid for my certificate of discharge which should arrive on Monday. How long should I wait before starting the cleanup process?
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The Deed is Done
Well that's it, it is done. Other half and I were declared BR at 11.00 this morning, and I have to say that everyone involved could not have been nicer :) My other half was some worried she could barely sign her name, but everyone did their utmost to make it as stress free as possible. The court manager even allowed our…
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Interview with OR
I have just had my telephone interview with the OR was a bit apprehensive but followed all the excellent advice i had on here and everything went great. I had all my paperwork ready a big A4 pad with dont waffle across it and a list of questions.The lady from the ORs office was very pleasant and informative. Asked me about…
