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Scottish Question
and please don't take it as a criticism - I'm just wonder about the possibility of a Scottish B/R Help sub board thingie? I find the help and advice here invaluable, but I'm always left wondering if it applies to me as I live in Scotland and our B/R rules are different from England and Wales (not sure about Ireland). Would…
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Have an appointment in CC
I have my appointment booked in CC for next Friday, Im petrified, all they told me to bring was bank statements, tax credits etc and the cost of the BR. I've seen on here some people get a telephone call, is this after the initial meeting or is this meeting 'THE' meeting? So sorry an confused.....again! Many…
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CCJ to baliffs
Can anyone tell me if you should get some sort of warning prior to baliffs being used. My brother was issued with a CCJ and his modest offer of monthly payment was apparently refused, even though his SOA sent to the court showed he had no assets and only has a state pension+pension credit as income. Now some months later…
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HMRC totally illogical
HMRC have turned down my 100% return in 32 months IVA proposal in favour of draconian terms that would be far worse than bankruptcy. I'd like to apologise to all forum members and all other taxpayers on behalf of HMRC's incompetent IVA department for not giving me the opportunity to pay my debt to society. LBID
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Am I doing the right thing??
Hello everyone, this forum has been a god send to me over the last few weeks, it took me a while to accept that bankruptcy is my only option, and after taking advice from the cccs i know its what i need to do but im so scared!! Here is my story...my husband left 2 years ago, stopped paying mortgage and secured loan so i…
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BR or not BR...that is the question
My wife and I are considering BR, but have become very confused over the past few days, due to conflcting advice from people who should know better...anyway, not going into that now, as it's a bit of a tangent. We have debts of £24K, and are also facing the repossesion of our houae due to arrears of £5.5K. Debts are split…
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National debtline v CCCS
Hi guys When we were looking for advice about going BR we used CCCS. With the first call they took some details and then gave us another telephone appt for a week or so later. Just wondering if National Debtline do the same thing or do they deal with it there and then? Reason I am asking is my sister in law is also…
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bank charges when BR
I have changed banks and left my overdraft in my old bank I am going br in August but I know that the daily fees that have been occuring wont be billed to my account until begininng of September, they normally bill them a month after will I be liable for this bill if it comes after the Br, or will my old account be non…
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car insurance after bankruptcy
boyfriend has just been made himself bankrupt has had telephone interview and has been to court. his car insurance runs out in 2days obviously his account has been frozen so will need to come out my account for now if poss?. if he gets new insurance can he get it? will they do credit searches? will they let him pay…
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OR called, now I'm SCARED!!!
Made BR yesterday, got a call from the OR today to make an appointment to go in to the office to see them. I asked why I need to go in as I had heard the interviews were mainly carried out over the phone. I was told that it was because of some new guideline or such concerning self-employed chefs saying they need to have a…
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Possible effect on increase in income
Hi, My husband was made bankrupt in May 2009, he has had his OR interview and has not heard anything since (but l gather this is good!). Part of his income is made up of housing and chilld benefit, when the rules change on October that child benefit is disregarded for housing benefit purposes how will this effect him .i.e.…
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Shock in the Post this morning!
Hi All, Just thought I'd share a bit of news with you. I went bankrupt on 18th December 2008 and today I opened a letter stating that as of 13th July I was officially discharged early - that's it, nothing to sign, send back or anything. I am STUNNED! and very, very happy! How long does it take for my name to come off the…
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haven't seen many ppl get bro's
is there a thread were ppl have been given bro;s stating why and what the O is/was?
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Nat west bank charges
Although i have just opened a cashminder account with CO-OP, i still have a Natwest account for which have been hammering me with bank charges, can i claim these back, it's only £58.00 with another £28.00 pending for next month but they are all originating from one bank charge that got taken from my account on the 23rd of…
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torquay court?
Has anyone had to attend torquay court when petioning for BR? Im teetering on the edge ready to jump off into the BR club ,filled in most of the forms now and scared stiff about taking the final plunge. Any advice will be greatly excepted!!
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bank account query ?
I know this question has probably been asked a million times but i really need some advice please My husband is going to court on tuesday to be made bankrupt, we have a joint account which all the direct debit (rent, electric/gas etc) come out of, when he goes bankrupt next week will the bank account be frozen, even to…
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Another question
Another question today, erm when you send in all of your statements etc to the OR if they ask for 12 or 24 months, do you include accounts that you have paid off in that time as well? This may seem obvious but just want to check Thanks L x
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BI & OR query
Hello. Just had my OR interview today. Face to face, probably because it involved the collapse of a business and there was quite a bit to go through. She was very nice and we went through things in about an hour and a quarter. At the end I provided a valuation I had done on the house and a mortgage o/s statement, and asked…
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urgent help needed please
I had a joint account with my husband, which both my loans went out of....i took my name off the account, and cancelled the direct debits, just gone online to check if the tax credits have gone into hubbys account and lloyds have taken 2 lots of £25 out for personal loan charge...obviously this is for my loans....surely…
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IPAQ form
Hi all I informed the OR of my increase in HB, and received a IPAQ form. But what is worrying me is on the letter they require written confirmation of income, rent, how much I pay for council tax and other essential payments & last 2 utilities bills. Is this normal?? As the figures on my SOA, are not quite the same as what…
