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Can I get a British Passport
Sorry guys, I still need have more questions. Before attending the court, you need to have the affidavit signed before a commisioner of oath, can that be done at the court on the day of your BR. Another thing is that my husband has a brithish passport, but I have indefinite leave to remain. Will I ever be able to apply for…
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Advise needed for BR
Hi all Just a few questions I would like to ask as my husband and I are going BR on Thursday. I am aware that they check your bank statements, but do they also check all your credit card statements. We have also opened a halifax account, which we have had for the past few months. We owe nothing to the bank, aprt from…
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Pension
Pension question, I am 31 and have been paying into my pension for 4 and a half years, i got all my paperwork for financial court thing for divorce in november last year. Can i use this information for my SOA because if I have to get up to date information it will cost me £125. Cheers Lara
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Bank Account after being discharged?
My OH just applied for a Natwest Current Account online, he has been discharged from bankrupcy for about 10 months now but the bank account was declined. Just wondering if it will be possible for him to get a bank account from anywhere other than Co-op? we find the Co-op service pretty poor so was hoping to change. He has…
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Husbands bank keep phoning - Halifax
My husband is being bothered by his bank, the Halifax, they have been phoning and demanding that he answer some security questions on a "serious banking matter". He has told them that he doesn't want to answer their questions because he doesn't like their tone or that they feel that they can demand answers to security…
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My house as gone!!
Just thought i'd update you all. We have been loving in a rented house since Jan. looking to get our house repossessed and to go BR. Well the house had gone and been repossessed!! was taken back on Tuesday and on the market for Friday!!! its on for £10,000 less than we owed anyway Its what we were waiting for to be honest…
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Court date this Week !! Final SOA..
Hi gosh, my date is this week how the time flies got to get my fee sorted, I have checked with the courts my appointment time, suggested getting there 1/2 an hour before. They also said they only need one copy of the forms as they photocopy and return ? I am still going to take 2 copies too be sure. Would be really…
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10 Myths about Bankruptcy
Thought I would expose a few myths for those considering BR. 1) You will go to prison BR is not a criminal offence. This will not happen, providing you havent done anything illegal. eg Fraud. 2) You cannot travel abroad if you are BR. You can travel where you want. 3) You will lose your house. Not necessarily. Options are…
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Insolvency website
As your aware I received our letters about our ED granted on 6th of July, However the insolvency website is still showing us as Bankrupt and giving the date for discharge as Jan 2010, it will be two weeks on monday.. and I thought it would have been changed as others seem to be done the date of ED. I completed the error…
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SOA check please
Hi I have been thinking about bankruptcy since the beginning of the year and think I am ready to take the plunge. I have posted my SOA below and would appreciate any comments, my maintenance is due to be reduced but have put it in as it stands at the moment. I have decided on BR as my son will be leaving school next year…
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Rent and deposits
Hiya, after my bankruptcy in August I am going to be looking to move in somewhere else (living with me grandad at the moment which is suppose to be temporary). I am obviously going to need to pay a deposit for my next place ( I don't have one with my grandad). Can I include this in my SOA (ie divide it up by 12 months)???…
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BR and beyond
Hi all. We thought we would post our BR experience so far on here. We are just over 1 month into our BR and quite honestly say we wished we had done it sooner. We have 2 children of school age. We have both worked all our lives until recently, however circumstances changed and we were unable to cope with our credit…
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Am Istill liable for water rates?
Hi, I have moved out of my mortgaged home and into rented accomodation prior to going bankrupt in a month or so. I am aware that I am still liable for council tax on my mortgaged home after the 6 months exemption has expired but the water rates people have now sent me a letter stating that I am still liable for water rates…
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Step 13 Filing BR online
Hi All I am currently filing for BR online and have come to step 13. Have you made any composition or arrangement with your creditors in satisfaction of your debts? Does this mean the DMP I have set up with CCCS? Many thanks
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Early Discharge...
DH and I went bankrupt on 2 October 2008 and were sent forms to fill in to be considered for ED in April. As I had not heard anything from them and the Insolvency website has shown our status as undishcarged all this time, I had thought it would never happen. Imagine my complete joy and happiness this morning when we both…
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Bankruptcy Protection Fund
Got some mail this morning from the Bankruptcy Protection Fund , stating they can pay off debts and annul BR's.. I somehow think this is not true [TEXT DELETED BY ABUSE TEAM FOLLOWING COMPLAINT]
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Working Tax Credits
Hello all, Went BR last week - still awaiting interview with OR. On the advice of my cousin I phoned up the Tax Credit people yesterday to see if I would qualify and it looks as if I qualify for £50 a week... I had no idea I could claim any sort of benefit as I have no dependants and am in full time work (albeit very low…
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Abbey!
Just a bunch of Divs! Went BR 21/5/09, Abbey apparently shut the account straight away even though there was no intrest from OR in it, citing company policy. Today, 2 new Visa Debit Cheque Guarantee cards turn up, expiring 2011! (one each for me and OH) I'm gonna keep shtumm and hope nothing gets said till either ED or OD.…
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tax rebate issues
Hi I am due a rebate of tax (around £250) from 08/09 as i was only earning £40p/w, but paying basic rate tax . In June 09 I went BR and as I knew I would be due a rebate I asked the OR what would happen with it. She explained that if the rebate went to me directly then she would build a case for me to keep it to pay for my…
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s.o.a. query
hi peeps .we are trying to fill in our forms.in the section 7 outgoings..where it says rent ours is 336 an council tax.do we still fill in this box even though we receive full housing benefit an full council tax?also in section 6 question 6.8. household income.do we have to add the rent of 336 an poll tax of 100in this…
