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Please help
My husband and I are going bankrupt next week. It all began when my husband started his own Ltd company which went insolvent. As a result of this we had to sell our house, which made us a profit of £70 000. This was in October 2007. We had to pay his sister back £35000 as she lent us money to finish renovating the house…
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can i sue my local council ?
to cut short a story i was made Br on July 2008 my other half in August 2008 . the council refuse to acknowldege our Br until last January .... in the meantine we have paid or council tax after receiving the correct bill on January . however there ws a month therabout that i owe i paid , albeit late in november 2008. then…
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Please help! Comments thoughts needed
Sorry if you read this already, but the boards are moving so fast and I really need more comments. Have to make decision due to non BR realted things this weekend. Hi folks Can you do me a favour please? I need some thoughts and feedback about putting my house into the BR. I'm soooo aware that as I'm enmeshed in all the BR…
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Maternity Leave & IPA
Just found out on Thursday that I am three months pregnant, bit of a shock! Finances wise, I have been doing great and have got this budgeting down to a fine art. I became bankrupt on March 1st this year and there have been no problems with the OR even suggesting early discharge in September. I do pay an IPA of £80 a…
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Will my name go in the local paper?
When I rang the insovency service and CCCS I was assured that for those who go BR their names are printed in the London Gazzette only. On looking @ the forum I note that members have observed their name in their local 'rag'. Please advise. Also due to my job can I have my name and address omitted from the local paper as I…
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Be Interesting to see what Office are given ED and time limits
I am not Discharged yet but was told i could be around 6 months Bournemouth office
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Renting and bankruptcy
Hi, I'm new to the forum and was wondering if anyone can help. I'm going to be filing for bankruptcy soon and was wondering how this will affect my living situation. I rent in a houseshare and don't know if my landlord will be notified (although I suspect I'll have to do this myself as I don't know if I'll be able to open…
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Child benefit
Could someone please confirm if the rules on child benefit have changed OR has set my IPA which I had a surplus of of £39 which OR has said nothing with cut back or not allowed but has set an IPA of £85 per month which if I include child benefit of £132 gives a full surplus of £171 50% £85 per month my OH I can't work out…
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Repossession date advice
Hi We have now received a letter from the solicitors who are acting on behalf of my mortgage company. It states "we would advise you that an ejection has been set for 30 July at3.30pm". I always though you got 90 days notice of the date...we have been getting the letters saying they were applying to the sheriff officers to…
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Self Employed and br
Hi sorry if this has been asked before,but if you are self employed and going br how do you do your statement of affairs if you dont know what you are going to earn?? I average 400 a month at the moment but i am on housing benefits,I would rather earn 400 a month than going on the dole. Any advice would be helpfull. Many…
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After OR interview?
Did you get any more calls or need to provide any more information?
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can any1 tell me the order that bankrupy...
happens in ... Im asking as im still undecided whether to go bankrupt or to pay a DMP for 21 years(and thats if they stop interest). CCCS said bankrupcy would be advised but dmp is ok if i think things will improve so i wanted to try that 1st. Ok so from other posts u may see that i reallly need my car (sorry i keep going…
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IPO overtime and new family
Hi, 2 questions if any one would be kind enough to help. 1: I might get over time once every three months but do no know to the last minute shall I inform OR, but also my wages my reduce for 3 weeks soon because of loss of declared bonus. ( before you say I'm siding on greed, I'm sorry now) 2: I'm moving in with my…
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OR - I am scared/ashamed
Hi All Haven't even sent off forms yet so this is a bit previous but here is a bit about my story. Split up with husband, he was only one on mortgage (we also have a joint secured loan 44k) and so he said he wanted to keep the house i said okay but he need to take on the joint loan (he was earning good money at the time)…
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car question
Im just starting a dmp but not sure if bankrupcy is the best option for me. I have a car thats worth about £2500 and was womdering if im on a dmp at the mo would it be better to sell it now and get a cheaper car eg £500 to £1000. If i then decided a few months down the line that bankrupcy was the best option (mybe if the…
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SOA Question
I have come across a problem with my SOA As I am living with my mother at the moment, when I fill in my SOA form I assume I add her into the number of people living in the house and her income (State Pension) but when it comes to the amount I pay towards the bills do I put in the full amount of the bills or do I just put…
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if u go banrupt do u have..
to open another bank account. Ive just started a dmp with cccs and was told to open a new basioc account with a different bank. Ive done that but was wondering if i went bankrupt then would i have to then close that account even tho its a basic one and i dont have any debts with that bank?
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Can never get through to CCCS?
I'm get so frustrated...tried to phone the DRO/bankrupsy team with CCCS and the few times I do get put on hold, after 15 minutes of being on hold, they say "sorry we haven't been abl;e to answer your call today" Anyone else have this, and do you know a time when it is quieter so I have more of a chance? Nearly been in…
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House into BR or not? comments & suggestions please
Hi folks Can you do me a favour please? I need some thoughts and feedback about putting my house into the BR. I'm soooo aware that as I'm enmeshed in all the BR stuff, I know I can't see wood for trees and would really like any comments and suggestions of things to consider. :confused: I've come to a sleepless nights…
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Bankruptcy question xx
My husband and I have split up, im working part time and he is claiming jsa, we have taken independent advice about our debts and have been advised to declare ourselves bankrupt. We are going to declare ourselves bankrupt at the same time but as we are no longer together but have joint debt do we have to do it as part of a…
