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A big thankyou to all who have helped me on this forum
Hi, I just wanted to thank all & sundry who replied to my posts. I have managed to fill in my BR forms online & on Monday will be ringing my local court to see when they can fit me in, so that I can petition it all. It looks like I will have to cease my online business (im self employed) which I am so sad about as I have…
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Bank still wanting me to phone after BR
One of my creditors, one of the banks phoned me this morning, wanting a loan arrears payment, you are such and such in arrears and i am phoning to take a payment over the phone type of call, i got the feeling they had had the OR's letter as he was being very nice and actually asked for an awful lot less than the arrears, i…
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Being chased for a debt that isn't mine
The last place I rented the water bills were included in the rent, since I've left for some reason there was an outstanding water bill and the letting agency gave my name and new address to the water company, they are now threatening us with the usual rubbish. I've spoken to the letting agency who have told me to pass the…
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anyone been to bradford court
first shock expected to be going to burnley court,but changed to bradford court.anyone been here ..an what is o.r. like.i dont know why peeps worry abou.t which court an o.r.but just like to be prepared. regards penny
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Secured Loan & Equity
Hi All I just have a quick quetion that's been niggling me about my bankruptcy. My house is roughly £10k - £20k in negative equity. The mortgage is in my name only. However, the house has a secured loan on it as well. I am declared bankrupt, but my wife is not. When the OR calculates the price/equity in the house, what…
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br on monday and dont know what to take with me?
hi being forced into br on monday by the co -op who we only owe a 1000 pound too!! myself and my husband were planning on going br anyway but now this has come up and we are now to appear in court on monday together i asume cos the debt is joint. we dont want to contest it, whats the point we owe hundreds of thousands to…
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I'm new and need advice about going BR
After pulling our finances apart last night to see where we could save £20/£30 a month, me and partner concluded that we need to find a way out of this mess. Briefly I'll try and explain our situation: I don't work, just look after our 2 children. Partner works full time and earns £22000 basic (£28000 with overtime) My ex…
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cost of rent.
does anyone know if the or when we eventually see them, get funnt about the cost of rent, ie we need to rent a 4 bed as thgere is 6 of us. 4 kids & me & my wife. the cost to rent ranges between £800 - £900 p/m. we do pay £825 on our mortgage. we got to live somewhere.:mad:
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Barclays and Savings??
I want to open a monthly savings account and Barclays are offering the best interest for my meagre amounts. Anyway, I have just spoken to their live chat service as you cannot apply online only in branch - and I would not want to be embarrassed if they refused due to a credit check. The live chat tells me that a credit…
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4 months into BR, an update and help wanted
Just a note to say life can get better after BR. After battling for 10 years me and the OH took the plunge in Feb after the caring banks and Northern Rock would not help us and we were desperate. The OH lost her job at crimbo, which suited us as she was pregnant. So its now the end of June and we have a baby girl. We got…
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Have IVA & want to go BR, pls help!?!?
Hi I have been reading through the forum and Im hoping that someone can help me. I started my IVA in June 08 and have now defaulted on the the past 3 payments. July will be my 4th. I have just received a request from my IP for the past twelve months income and changes in outgoings. They have not contacted me about my…
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Direct debit taken after bankruptcy date, where do we stand?
My partner and myself have recently went bankrupt via the LILA route in Scotland. My partners wages from a part time job (he is also a student) has went into the old bank account (overdraft included in BR) and the very same day a direct debit was taken for a loan from the same bank which was also included in the BR. This…
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New to this.. where do we start?
Hi all.. there are so many posts and info I don't know where to start! My OH went to the CAB the other day and he was advised to go bankrupt, and we have some forms to start filling in. Am I right that I should start by getting child benefit etc paid by Giro.. when should we open a cash account.. and he's been told it has…
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Got paid today but...
I'm due in court on Monday at 9:00 and despite squadrons of butterflies and chimpanzees dancing in my stomach, I'm trying to think clearly...ish! I am £300 in credit today, but this is before next months direct debits go out on the 2nd July. My overdraft facility is £1600. How quickly will my bank account be frozen? Should…
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Advise Please No Interview
Hi, I have just recieved my first letter from my OR and was expecting details of when i'll get my telephone interview but instead it says "Upon reviewing the information that you provided to the court, I have decided that it is not neccessary to interview you at this time." I am disabled on benefits and own a car worth…
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Another question - please help!
If I go bankrupt how can I be paid as a Sole Trader? Can I have a business account of any sort? I am currently in a Partnership which I understand will be dissolved but surely I don't just get paid into a normal private bank account? I will need to trade under some kind of Business name! Very confused - any advice welcome
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£12 Default !
I have a colourful credit file from bankruptcy in 2006, I was discharged in Jan 2007. I followed advice and sent the discharge notice to all my creditors to get the outstanding balance to show as “satisfied” for each default, apart from one. The default was with carphonewarehouse for £12.90! I don’t remember having an…
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Bankruptcy & new bank accounts?
Hi there. I went bankrupt in August 2007 when my child was taken ill & I had to give up work, I was discharged early 2008. I've not done anything since then about getting a bank account but figure it's about time I start to build up my credit rating etc.... so that in the future my husband & I can try to get a mortgage…
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do all landlords credi check you? br discharged and need to move
hi all i am a discharged br (jan 2009) and need to move home as we took a council flat after i sold my home before br and it is awful. i am working again for myself and doing well but scared i will fail a credit check by a landlord /agent. i had ccjs prior to br but nothing since .i went br in jan 2008 and discharded 2009.…
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Received my first 'Loan settled confirmation!
Hi all, I am very please as the early discharge clerk is obviuosly on the case as today I received a statement from on on my creditors with an 'interbranch payment' on it for the full amount and 'Account closed' written boldly at the bottom of the statement with a zero balance! Im very pleased so it looks like it will not…
