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Bankruptcy headache
I owe £17000 unsecured. I have no assets! Car only worth £250 and no house. Problem is I have been offered a job by my local council just as I'am about to declare myself Bankrupt! I got made redundant and cant pay the loans. I'am currently unemployed but will I be able to work for the council if I go Banrupt. Cheers…
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Bye, bye!!
I'm off on holiday for a week tomorrow, with my inlaws :D Hope everyone has a good week and all those going BR or having OR interviews, I hope it goes smoothly. See you all in a week.
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Advice Needed re vol reposs
I am trying to give my keys back to the abbey for a volunary reposs, but I have to miss the next payment first, as they are saying i've not missed enough. But in 4 weeks we will have enought money to go BR, but should i wait until the repossesion is going through. I've read if I sign the forms from the mortgage company it…
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Renting and bankruptcy
Hi i don't know if anyone has been in a similar postion or can offer any advice, I am a single parent of two children, i rent privately and have done for the past three years. My ex-partner and i split over a year ago leaving me with a mass debt of £20,000 in my name. I need to move into a new house and can only obviously…
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CAB Backs limitation act change to 3 years
See: http://forums.moneysavingexpert.com/showthread.html?t=1851781
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Returning House Keys
Hi Went BR in June 08, discharged Jan 09. Sent the house keys back to bank in Feb 09 (recorded delivery) but haven't heard anything before or after - should we be worried. Trying to get on with life now and don't want something to get in the way in a few months time. Is it normal not to hear anything at all?
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Experian etc
does being an additional card holder on someones account make you financially associated with them. bearing in mind that it is not a joint account? thanks L
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Buying back beneficial interest
[FONT=Verdana, Arial, Helvetica]I sent £1 plus £473 fees as sole owner to buy back the BI in my house. I was asked to send the name etc of my own solicitor to send the transfer documents to. I had problems finding one who knew what to do and the one who was very understanding and knew exactly what to do was going to cost…
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Current Accounts Overdrawn after BR
Hopefully someone can advise. I have had current accounts with NatWest and one with Barclays for many years. I opened a Co-op one for my BR. I thought I had cancelled all Direct Debits on the Barclays and Natwest accounts and have no intentions of using them and expecting them to be frozen but some insurance payments have…
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Re-possession notice - Scotland
Hi I posted a wee while back - heading down the BR and have sent my forms off to the Accountant in Bankruptcy as I received a charge for the Council due to council tax arrears. I have now received an eviction notice from my morg company advising me that I have to be out the property as they are going to evict me in 7 days!…
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Never ending...
Questions from me :o I spoke to CCCS again last night over the telephone, and the questions I knew I had to ask, completely went :rolleyes: Basically all it is, at present, my DH hasn't been paying the Loans to the companies the money is due to, instead he has been doing a DMP. What I was wondering, because DH is paying…
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grant money
just got my grant and after course fees are paid will have about 450 left. I intend to keep hold of this to pay for educational incidentials, paper, printer cartridges, additional travel to college and books etc. When I go br in august will they just take this 450 off me? Cheers L
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SOA please check and advise BR pending
Household Information Number of adults in household........... 2 Number of children in household......... Number of cars owned.................... 1 Monthly Income Details[/b] Monthly income after tax................ 1246 Partners monthly income after tax....... 0 Benefits................................ 0 Other…
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Spoken to the Insolvency Service.
Abit of a concern, basically as people know, our son gets DLA money once a month. The chap on the phone has said the OR may ask DH, why do we not get a mobility car for our son instead of me receiving money for him. My answer to this would be, I have the money, as if there is anything he needs that will provide help with…
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Car question
My car is on ballon payment scheme with Black Horse. I've not paid them for four months now and have asked them to send through Voluntary Termination Documents which have arrived today. My questions are: 1. If I sign and send this back, and have them come and collect the car, would this be seen as favouring a creditor? 2.…
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On-Line banking
I have just discovered that you can not have on-line bamking unlessyou can show the banks your Cert of Discharge from the courts,who charge 60.00 for this.As we have a joint account it will cost 120.00. All i want is to be able to control my account and not get into debt again. Do any banks wavier this.
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Threating call from Cygnet Finance
Well after my advice post yesterday regarding my car from Cygnet Finance, they sent me a default notice yesterday saying i had until 12th August to pay the monthly payment or they would proceed with legal proceedings. I then received a call from a lovely (not) man from cygnet trying to bully in to paying the monthly…
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OR Interview
Been on the phone for 1hour 15 mins but it was ok just confirming everything on the form. The only problem is my car which is on HP. Its worth £2300 and has of today has about £1400 outstanding on it. So £900 equity. Which they want to release even though I can't get to work without the car. I am about to ring the finance…
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pre bankruptcy CCJ's?
Hey all, after sound advice from this forum and the debt helpline i decided to go bankrupt April time this year so stopped paying all non essential bills. the first couple of months we used the spare cash for essentials that we had been putting off until things 'got better' (and i mean essentials as in clothes for myself,…
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Do I have to prove that I've taken professional advice...
when I go to court? Or will they just ask and then that'll be it? I'm going BR regardless of what advice they give me, as I know it's in my best interests and it's my only option. I just feel that taking advice and having to explain my entire situation in detail would be a waste of my time and theirs. Just wondering.…
