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Broadband and Phone Being BR
:confused: Hello all after asking my question a couple of days ago about a service provider, i have made my decision but and more importantly do i have to let my OR know about starting this all up? if so how do i get around this? Thanks so much for your advice in advance, all the best mighty sheep.
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ED for me :)
Well that's me discharged :) 6 months in. Don't know quite how I feel, it's been an emotional time and my life has turned completely upside down. Onwards and upwards I suppose. Hope everyone is well :)
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Bankruptcy & Endowment policies
Hi Guys a really silly question as part of my divorce settlement & to take care of the kids ex husband signed away the endowment policy to pay off the mortgage on the family home. can a O/R take this into account as it was to provide security of a disabled child?
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Credit Report (Public Records Information)
Hi, could anyone please tell me what the following text means : - When your bankruptcy has been annulled or discharged we will be informed by the Insolvency Service. For further information please see the Report Guide. Its on my Public Records Information section of my credit report. I've been in touch with Credit Expert…
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Potential disaster with Bank Account _HELP
BR hearing is next thursday. Hubbie gets paid following Monday into his Lloyds TSB bank account. This account isnt part of the BR in the sense they are not one of the creditors and it's a basic account, no overdraft, just debit card & cheque book. Fully expect that this account will be frozen and we'll have to get him…
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Court date booked & having major tummy wobbles !!
Just rang up the court and hubbies booked in for next thursday at 9am. Been putting it off all day, but it had to be done. So now just need to sort out the deposit, finish off the forms and not worry !!! ha ha ha :-( I can feel some major knitting therapy coming on over the next 6 days, probably manage to get a whole…
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IPA issued today
Hi, I have had confirmation of IPA for me and my other half OR has granted £85 ipa for me and £65 for other half however my figures to OR were £39 surplus for me and £62 for my other half OR cann't give me a breakdown wondered if £132 of child benefit would have been included how can I get an idea of the breakdown to see…
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name in paper belfast
Doe any1 know what happens when u go bankrupt? Is it the belfast telegraph that u go bankrupt in? What day is it? If i do go bankrupt i was wondering what info they put in as i really dont want ceratin family members knowing?
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help
i was advise to go bankrupt by cccs but im at uni and they agreed that i could take a dmp if i wanted. A few questions... At any time can i change and go bankrupt? Can i keep my car(think it worth £2500 approx as i care or my mum)? I get dla tax for it cause of my mum would that be enought proof or do they need to speak to…
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Filling in form help please
Okay so on section 4 where you are listing your unsecured creditors, when it says date incurred for a credit or store card would you just enter the date when you first got the card? Also where it says what was the debt for, I have used my credit cards for lots of things, clothes, petrol, holiday, all sorts do I have to…
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sorry - another car question
Hi, not posted before but have been reading the posts anxiously! OH and I are applying for BR very soon. I know they will say we can take public transport and will have to get rid of the car. Which is fine as we still owe £7000 on that. However, It is going to be very difficult getting the kids to nursery without leaving…
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Mortgage now discharged.
Hi Everybody, Is it possible to obtain a mortgage now I am discharged if I put up a 15% deposit? Phil
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court app on monday
hey guys, me and oh have our court app on monday, not really dreadding this bit, its more the phone call from or ect that were dredding. When do we give the or our bank statements ect? do we need to take all this to court? or just the court papers? also this may be a silly Q but do the or come to your house and want to…
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House Valuation for Buying Interest from OR
Hi I would like some advice please. I received a letter this morning regarding purchasing the Official Receiver's interest in my property. I need to send in a property valuation and a mortgage statement as well. What is the easiest way to get a property valuation that will be acceptable to them? I have had a look online…
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my last day ...
.. as a bankrupt ! tomorow it is my automatic discharge wooh hooh !
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Bankrupt cannot afford mobile contract
Hi, I have been bankrupt since Dec and kept my mobile phone contract. It is only £15 but now I am living alone I cannot afford it. The contract does not finish until June next year, can I just tell them I cannot afford it and put the remaining sum into my bankruptcy and if so how do I do it? Thanks for your help.
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Does anyone have a link for this?
Hi do any of you have a link to somewhere that states the allowances for the SOA please? Much appreciated Helen x
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OR interview in 45 mins!!!
Eek i'm scared now, what were u asked? Any info would be a great help right now, it's the fear of the unknown. Thanks
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advice. life after being discharged
Hi I am due to be discharged from bankrupcty on the 2nd September . I would just like some advice on the following? How do you build up your credit history after being discharged? Are you able to open new bank accounts if so which banks will allow me a account and what kind off account.? Any help or adivce will be welcome…
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Stuck on Section 4, please help xx
Hi there, I've been filling in my OH's BR forms and on section 4 where it asks for all creditors, it's asking for addresses and dates incurred. What if we can't remember this information? Does it matter? We started our DMP with CCCS while we were at our old address, and all letters from creditors were thrown away, now…
