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car finance and bike
Hi all, wonder if someone can give me some guidance...OH has a moped, which he uses for work worth about £150, he has to use this due to location of work... He also has a hp agreement taken out this year for a car at 130pm, which I have use of for school runs ... I believe if he was declared br then finance co would take…
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The trustee??
I have been given the impression that after your BR the OR will assign you a trustee to assess your assets and distribute among creditors. Surely im wrong in thinking that someone literally comes round your house with a clipboard and looks at what you've got and puts a price on it and decides whether you get to keep it or…
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got my br date
sorry bit of a pointless thread but just wanted to say...... :eek::eek::eek::eek::eek::eek::eek::eek::eek::eek: eeeeeeekkkkkkkkkkkkkkkk...... just booked my court date to go br! the 23rd july, better get my partners soa done asap, seems more real now that ive got a date for it. thanks to all on this forum who have got me…
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Will I ever get a mortgage?
I was declared bankrupt in 2004 and discharged in 2005. I am living in a Rent to Homebuy property where I rent for the first three years and am then given the option to part-buy via shared ownership. I want nothing more than stability in my life and would love to spend the rest of my life in the property I am living now.…
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help!!
Hello, I wonder if you can help me, does anyone know if it is possible to get a credit card after bankruptcy? Many Thanks Bromarc
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This will really annoy some...
If your driving The next caravan your stuck behind could be me... :D :D:D:D Has anyone any links for info on Spanish caravan sites short/long term? Can I avoid france?...:rolleyes: Gracias!
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Problem with b/r fee refund - help please!
Morning all, As you may/may not know I was declared b/r on 30th April after losing my job in March. At the time I paid the full £510 court fees because my claim for job seekers allowance had not yet been approved. Moving things on, my claim was approved and I have a letter confirming that the claim started from 29th April…
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Need some help guys for some friends!
Hi All, I know most know my story and know that my BR did not involve a house but i have some friends who have been advised by the CAB and by an IVA company that BR is now there only route and i dont know the answer so thought one of you will know. Like i say they are having to go BR and have a property in negative equity…
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Last minute blitz before sequestration
I am applying for LILA sequestration very soon. Now, an obvious temptation would be to have a wee last minute spend on the credit card cos it's never getting paid back anyway...nothing too extravagant bearing in mind that although I have 30k debt I also have 13k available credit...was thinking just a wee holiday costing…
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I knew this BR was going too smoothly...MASSIVE blow yesterday :(
So for the past 6 months I have been thinking how easy this BR stuff was and that it hadn't really affected me at all apart from needing a new bank account. Yesterday I got a knock on the door, some bloke stood there with some papers - my immediate thought was '!!!!!!, a bailiff?', he explained who he was, where he was…
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Court and OR Interview this morning
Well at least the whole thing will be over after this... Thanks to everyone here. I can't tell you how much I appreciate the help, advice and reassurance :)
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"This board is for help not for judgement" - how do you take that?
It's one of the stickies at the top of the board - and it gets referenced regularly. Yet, I often feel that my own understanding of it is different from others. So, I wondered if it would be helpful for people to share their views of what it means to them? OK, we probably won't all agree, but we might end up understanding…
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The likelihood...
Hi, Just wondered if I can ask you guys your opinions on my likelihood of getting a 90% mortgage with a prime lender given my circumstances.... I was discharged from bankruptcy in 2001 and have since gained an excellent credit rating again (been a long 8 years) but I am aware that most mortgage applications ask if you have…
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Going BR and to do list - any help and advice greatly appreciated
Hi, I have decided to go BR. I started a DMP over a year ago but I have now come to the point where I feel that BR is only solution to get out of this mess. I do admit that this mess was created by me being naive and also not doing my homework properly (I bought into franchise when DD was one and half of my debt came from…
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How does the RTLU deal with IPA?
Hello there, just wondered if anyone can help me. I went BR in Dec 08 and was given an IPA to pay. This week I recieved a letter from the OR saying that the RTLU will be dealing with my case from now onwards. I understand that this just means that they have finished investigating my circumstances and now the RTLU will deal…
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Compensation Claim
HI, This is a really big shot in the dark as I've only just started looking into what I can do re claim. Without going into a long story but in brief, my son was diagnosed with a hearing loss at ten months. I am currently looking into why he missed his new born screening and left till the 8mth check. If by any chance I was…
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Lack of information in Scottish system
You know if it wasn't for you guys I would know nothing! lol I received my br in writing last week and the lack of information with it is amazing! It says it will contact my known creditors but it may take a few weeks." If a creditor continues to contact you in the meantime you may want to seek advice from CAB"! Mad eh!…
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Backpay and BR
Hi, OH & I are working towards BR, having to wait for one of our creditors to make us BR as we are above the threshold for DIY route (live in Scotland). So far this is the first month we've missed the mortgage and secured loan. WE haven't paid any CC either some for more then 1 month, Cap 1 CC is the furthest in arrears…
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Lease car??
Hello all, Just a quick question if I have a lease car on a 3 year contract what happens with that when you go bankrupt do they make you cancel the lease?? or can the cost be included in my SOA?? I need a car for work as travel 30 miles to work and work shifts Thanks in advance Malfollie xx
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Yorkshire BS Transfer
Hi Kiddies, I need some help from fellow YBSers. I'm trying to transfer from my co-op cashminder account and have filled in the sort code and account number for my YBS account, leaving off the last 2 digits, but co-op is putting 2 00's on the end, where as my actual account number is 20 at the end. What have you all done…
