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Letters for me to send
Do any of you have any standard letters or know where I can get some to send to my finance companies to stop harrasment to say we are going BR so get lost etc
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Monthly amount if gas and electric reduced
Hi, I have been advised by OR that they have not allowed the full amount of gas and electric I pay N Power £100 each month and £155 to Bristish gas they have only allowed a total of £120 we are at work/school all day and have not had the heating on since April time but because took so long to sort out BR and apply a new…
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Should i be concerned re my soa
I recently sent my soa back to the or but it showed a negative balance at the end of each month. Will this cause a prob, I included a holiday allowance etc but at the moment we have to use that money for other things. Is the or going to reject my soa?
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Filling bankrupcy form out and a couple of questions
Hello everyone, firstly thank you for all information I have recived so far, At the moment I am still ploding on through the forms to go bankrupt, and no doubt will have the odd question to ensure I have done things right, one question at the moment is assets, I really dont have anything of any value, I have a vectra car…
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Banruptcy and right to buy discount
Hi all. I'm looking into bankruptcy at the moment and have a question regarding the right to buy discount. I am married and we jointly own our house which we bought from the local authority 2 1/2 years ago. We received the full discount as my wife had been living there as a tenant for 9 years prior to us buying. In normal…
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Not BR yet, wife wants to buy me a motorbike but how to keep it?
Hi, I've not gone through all the steps to go BR yet, just a mater of timing at the momement. My wife has come in to some money and has offered to buy me a motorbike as a means of transport. Obviously for me to tax & insure it the bike has to be in my name, so does this mean that when I go BR the OR will see the bike as…
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confused re clean up
Have just ordered my equifax credit report was discharged sept last year everyone apart from cap one are showing me as defaulted so i am writing to them all to update, thing that has confused me is barclays who was included in bankruptcy isnt showing on there at all. I tried getting my experian online but it wont let me…
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Trustee name on house deeds?
Quick question. Rather than sell a house, can a trustee put their name on a house title deed so that when it does sell, they can take their slice. Friend is going thru trauma of boyfriend being bankrupt, house is hers, but he did have share until 18 months ago. She doesn't want to sell so thought if the deeds could be…
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o/r in bristol area
Morning all. i have asked this before but didnt get much, has anyone had the pleasure if dealing with an o.r from the bristol area, as we will be i have no dought in sept???:rolleyes:
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BR and Repossession
I am trying to get my head around BR and losing your home. We are now earning £14k a year less which means we can afford our bills but nothing else including food. If we decide to go BR in order to lose our unsecured debt which totals around £400 a month, do we then get a say in keeping our home? In theory, if we keep…
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Court Tomorrow
Well after a long and difficult road, i am almost there, got my appointment tomorrow morning 9.15 be glad when its over. A big thank you to this forum as i have been around for the past year not posted much, but the information posted has been a great help in getting me where i am today, so not much sleep tonight.
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BR/DRO - How long does your name stay on Individual Insolvency Register?
Anyone know? Was browsing through and seen names from years back who are discharged.
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Nasty Letter from Capital One
Hi Everyone, I went BR on 2nd July and I've now had a nasty letter from capital one issuing a default notice and saying that I have breached the terms of the credit agreement. It says they will contact the official receiver to claim dividends etc. It then goes on to mention taking me to court to recover money. I thought…
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probs gonna go br
question after nasty split with missus, we have 5k equity in house but 2 charging orders for me for 13 k plus 15 debt, if i go bankrupt how will it effect the equity, i want her to be alright as all my fault, but dont know what happens
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Bank charges and Bankruptcy
Hello All, I was declared bankrupt 23rd September last year. I'm looking to try and reclaim all bank charges i received up until my BR. Just have a couple of questions before I go ahead... 1) Does being BR count as 'being in hardship'? 2) Do I need to inform my OR before, during or after this process, especially if I have…
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Next stage in LATE's BR process!!
Well the letter from my OR about my NIL tax code and my IPA arrived Saturday morning - pretty good considering my 'meeting' with him was only Thursday last week! I've ended up with an IPA of £59 which is roughly what I was expecting, give or take £5!! :rotfl: I might just ask him if I can delay sending the form back a…
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Buying Beneficial Interest
Hi, Both my husband and I went BR on 2nd July and we are def in negative equity. Is there any possibility at all that we can buy our own Beneficial Interest back or does it have to be a 3rd party. We are with the blackpool office. Also, any ideas of how long it is likely to take before we hear what is happening. Had OR…
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Husband refused household insurance because I'm discharged bankrupt?
Can't believe this. My husband has just been refused household insurance by Lloyds TSB because they asked him if anyone in the household had ever been declared bankrupt. He obviously told them I had been discharged nearly a year ago and they immediately told him the insurance had been refused because we were too great a…
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I'd like to introduce myself...I'm bankrupt!
Firstly, a huge thank you to everyone that has ever posted on this forum, I couldn't have got through it without you......! I was declared BC at 12.22pm today, didn't have to see the Judge, just paid my fees, swore in my SOA, 2 hours later I was given my forms back and told the OR would be in touch............far less…
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well thats it..... were bankrupt!
hey guys, Me and oh are back and are now as of 13.50 officially bankrupt! It wasnt scary at all, the staff were lovely and explained everything to us, our app was at 1.15 but we got there at 12.50 went to the counter and the guy said he would see if he could get any body now for us (it was really quiet in there, no body…
