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Going BR Today
Hi all. Just thought I would post a few words in the hope it will help me. I have been up most of the night wondering what to expect at the court. Got to be there at 11am. I will just be glad when it is all over! I have heard from a few peple that the interview with the OR is not very pleasant.. My husband suffers from…
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46K owed to Inland Revenue
Fortunately I do not owe £46,000 to the taxman but I know someone who does. As far as I am aware they have no way to pay this debt. What is the likelihood of this case, prison? Bankruptcy? Can this debt be written off?
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advice in OH bamkcruptcy
hi there I just have a quick question if anyone can help Unfortunatley my DH has been running up debts with CC & loans he now cannot pay due to unemployment. He is now looking into bankcruptcy. He has told me that because our house is in negative equity that it is safe, Can anyone please confirm this? I will be going the…
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Wages and income tax question
Hello all, i am going to go BR very shortly, I have heard that you dont pay any income tax from your wages, i was just wondering if this is true?
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life after BR
hi, just a little update really. I have been BR and am now discharged, OH was discharged april this year at long last!!! I had 42k due to repossession, loans and cc. OH had 30k due to the repossession and loan. Well just to help and prove there is life after the fateful dead. We are thankfully now both working after nearly…
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A mobile contract/phone Q
Can anyone tell me if a phone which came with a contract is barred/blocked if cut off, i am deliberating whether to put my mobile on a bankrupcy and go PAYG, as i have my phone and a second handset/contract for DD which she pays, but she would prefer to keep her contract and phone, as she wouldnt be able to afford the same…
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this isnt really br related but its a debt related question
i spoke to my friend today and he said he was really behind with hes gas bill and has ignored their letters basicly hoping they would go away, they came round last week and removed hes meter!?!?:confused: i have never heard of them coming in and removing meters before, i know they just disconect supply but seems abit…
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Blockbuster £8 fine
Hi Blockbuster have been chasing OH who is BK like me as of last week for an £8 fine due from a few months back. They said as it's a fine he still has to pay? We really do not have even £8 to spare, any thoughts please?
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Deed of Assignment
Hi, we are in process of purchasing BO from OR we have received the above asking us to sign and get witnessed is there anything that we need to get checked ot just sign and return
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BR & Parking Penalty Charge
Apologies in advance if this is addressed elsewhere, however in my current headless chicken stressed state, I can't seem to locate things! I am due in court on 29th June and have today received a Form TE3 from Northampton County Court, Traffic Enforcement Centre. They are asking for £80 for recovery of a penalty charge…
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Dont know what to do
can someone please givew me some advice. i dont know whether to go bankrupt or the IVA. i owe approx £35000.most of that is a re-possession from 12 years ago.i was told by cab to ignore it as it is so long ago,but you will always get letters asking for it. i live with my partner,i dont own anything.she is worried which…
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Is it the original forms and 2 copies ?
Is it the original form and 2 copies for the BR court, that is 3 altogether, so 3 sets of forms altogether, 3 complete copies Thanks in advance
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House sale, but not owner
I am asking on behalf of a close friend (really). She has recently found out her boyfriend of 5+ years is about to be taken to court and sequestrated. Sounds painful, but those in the know will know what I mean. They have lived together for 5+ years, but he is not on the title deeds, she owns 100%. However, this only…
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Oh my Thats it I am bankrupt!
I phoned the Account in Bankruptcy as I had not heard anything. I was told that my application had been awarded on 10th June! Not sure how I feel to be honest, disapointed that I had to go down that route but relieved it is finally settled. Now I just have to wait to get it in writing so I can inform my creditors. thanks…
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more questions.....
I have now called all my creditors and sent letters to them explaining my financial difficulties .Marbles and mint have told me that they will need a SOA and an offer of payment.I will be going bankrupt ( no other choice ) so do I send token payments for the time being to keep them quiet and if so is it wise to send an SOA…
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Court tomorrow - some final checks
I have now completed all the online forms checked them and printed them off, and have just a couple of final questions; 1. Am I right in thinking I need three copies of mine, and three copies of my wife's - This seems to be half a forest of paper (over half a ream). 2. Should anything be signed and dated beforehand, or is…
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Telephone interview with OR tomorrow
Do i have to get in touch with my creditors and get uptodate balances of amount owed. In most cases amount stated on SOA is a couple of weeks old.
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Discharge certificate
Hi there, I hope someone can help me with this query. I am discharged and have been for about 4 years but have delayed getting an official copy of the certificate because it costs so much and I never seemed to have £100 to spare! I am now unemployed and taking advantage of all the benefits that brings such as free eye…
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SoA Advice
Long time lurker, first time poster - so firstly thank you to all the regulars offering assistance and advice, as I've been able to learn an awful lot here. This place really is invaluable! I was 'crunched' earlier this year and my job in IT at an Investment Bank was made redundant. Our debt was very high before, but we…
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Help!
Im in a bit of a mess. Any help will be great. Im currently in over £60000 of debt. £32000 on credit cards £20000 business loan £4200 loan from my father £1500 Wholesalers bills £500 utility bills £3200 personal over draft Im self employed sole trader, trading for 2 years. First year I broke even but used credit cards and…
