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OMG! court today
Well, never thought it would arrive but we go to court at noon, soooo nervous. What is the required wardrobe? suit looks like money to burn jeans and a shirt? god i'm worried about the smallest things. Down side is we have to do it again on Tuesday as oxfordshire seem to operate a 2 appointment scheme, one to put in…
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Is my contribution enough?
Hi all I finally have the BR forms to fill in for OH. However I have a question re my contribution. My total income consists of both child tax credit and child benefit and is £546 per month, Is £300 per month a satisfactory contribution towards household expenses? Thank you very much to anyone who can take the time to…
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Freedom Card
Hello All! Just wondering if any of you had any experience of the freedom card? Would the OR want to look into it after going BR? Would it be frozen? It seems like a viable option for me right now as Smile have cancelled all my DDs, cards, chequebook and if I do pay any money in, they use it to offset against my other…
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Grants
Hello Me again, currently doing a certificate in education through work, however each year I get a grant £1200 £600 is the course cost and the other £600 is for other expected expenses books etc. Would the OR take the 600 thats not for course fees? Thanks again Lara
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Is rent in advance/ deposit an asset in BR?
I am BR as of yeterday, didn't even have to see the judge. Telephone with OR for about 10 minutes. I rent a flat, have paid two months in advance and a further month's rent equivalent as a returnable deposit. If I give the one month notice required and leave (possibly to go abroad), I should get two months worth of rent…
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Honesty the best policy? Please Help
Hi all, I have been considering all the pro's and cons and weighing everything up before taking the final plunge and boy it doesn't get easier. All your help has been much appreciated. I have now come up with another obstacle. I have worked in sales now for 7 months and due to a number of things, illness mainly and debt…
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Full Bank Accounts for Dischaged Bankrupts
Hello All, Not sure if this is the right forum but hopefully it is. I made myself bankrupt in 2005, and was discharged in 2006 (3 years ago). My aim now is to improve my credit rating so that I can get a mortgage after my bankruptcy has fallen off the CRA's :j:j Ive cleaned up my files, had a basic Natwest bank account for…
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Not sure what to do
hi there everyone i need to ask a few questions and i do not mind if your comments are harsh or not here i go!!!!!!! we are currently trying to save for bankruptcy fee with advice from cccs both myself and husband. we are not sure what to do we currently have debt with sky £203.00 and bt £449.00 and recently approached…
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Major potential changes to forum policy
Thought regular forum users would like to see this... http://forums.moneysavingexpert.com/showthread.html?t=1820261 PLEASE FEEDBACK THERE NOT HERE
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what happens if I incure more debt (i.e sued) while im in my bankruptcy period?
What happens if I incur more debt while im in my bankruptcy period? Can that be included as part of the bankruptcy? I’m quite worried that I may be sued for something during the period I’m in my bankruptcy. (so to clarify, sued after I have been declared bankrupt, but im not discharged).
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Contradictory Advice - Please Help x
Hi there I have been reading the posts on this forum all day and am amazed at, and grateful for, everyone's advice and encouragement. Briefly my story:- I earn't well, lived well but spent well. After a messy divorce 5 years ago I lost my house (sold in the settlement) and my job. As I work in a specialized field I really…
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Birmingham OR help please!
Hi This is my first post as i am new to this group. Finally went BR two weeks ago and now waiting anxiously for my OR interview by phone tomorrow morning. Have not slept for last 48 hours and am running around on coffee and tobacco (could be worse i suppose). Please can anyone share their experiences of the Birmingham OR?…
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Now BR
Now BR as of this morning... Took my forms in and paid the fee, then got called into the Judge who asked me "what went wrong" explained my reasons, he then declared me bankrput... Then back to reception and waited to speak to the OR... Then spoke on the telephone to someone from the OR's office, where I was asked a few…
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Please Help, Advice wanted
Hi having been living at my parents in recent times and having a few loans and credit cards which i keep up the payments with (total debt approx £28K) they now want me out so i have had to find my own flat, the problem is after doing a budget sheet through national debtline and cccs i find that i only have about £50 max…
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Credit Report Update post bankruptcy
Hello again, another Q'n for you if I may. I have 2 defaults on my credit report; one defaulted 2003 and the other 2004. I was made bankrupt Feb 2007 and discharged Feb 2008... When my credit report is updated will the 2 defaults stay on my file for 6 years from the date of bankruptsy or will they disappear 6 years from…
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OR and bank account question
I am taking the plunge. I have an appointment next Thursday (23rd July). Assuming I am made bankrupt, does anyone know what the chances are of the OR checking and unfreezing my already existing Co-op Cashminder account within 8 days? My wages will be going into the account on the 31st. Alternatively, would delaying the…
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Rtlu ?
Just been informed by my OR (went BR in April) that my bankruptcy file will shortly be transfered to the Regional Trustee and Liquidiator Unit in my region and that my affairs will now be handled by them. Who are they? Is this usual?
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Moving soon - first effect of BR noticed?
Hi all - me again! So OH went BR in March (4 months ago tomorrow), and got ED consideration form through last week, which has duly been filled in and sent back pronto. Our lease runs out on this flat in September, so we've started looking for somewhere to move to (we don't want to stay here cos there's ongoing problems…
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Will the car be ok ?
Hubbie going for BR, just getting forms done. Just wanted to double, triple ... check that they wont take the car off him. His & my car are both in my name. I'm no part of the BR. Car insurance for his is in his name with me as named driver, but log book is definately in my name & I pay the car tax. He did have a "heap"…
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Ollerton CAB anyone been???
I was told this morning if they think i should go BR that i will have to go to the CAB at ollerton notts, has anyone been there, and what are they like, i must admit although the chap was nice enough this morning at a different CAB, i didnt feel completly at ease with him.
