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Who will know that I have an IVA?
Hi Having seen some of the posts it has made me realise I have a problem and the IVA seems the way out. Is there a stigma attached to this and who will know I have one and what are the consequences over 5 years? Who are the best people to contact to? Putty
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SOA - Final check b4 printing.
Both my OH & I are going Br. Are these fine? Mine: Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 0 Partners…
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court tomorrow
hi all advice needed please here is my situation over 70k in debt 6 ccjs against me / company the only asset i have is the ex marital home which has 2 charging orders against total 2k !equity in the ex marital home (depending on what you belive but possibly 35k but it has to sell at that price and with prices allegedley…
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MY SOA is this ok??
Household Information Number of adults in household........... 2 Number of children in household......... Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1250 Partners monthly income after tax....... 450 Benefits................................ 0 Other…
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Bailiff Question
Hi Am new here but wondering if there is anyone with some advice for me. I have got myself in a bit of a spot with money and trying to sort it all out (this how not being going on for longer than I care to think about). Long story short I have unpaid Council Tax Bill of about £3k. This has been with a Bailiff company but…
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Bankruptcy - My Personal Experience
Hi everyone, As my debts were spiralling out of control, I stumbled across this site and had been a follower for a while, though I never really contributed. Now that I am a bankrupt, I realise that while there is a whole lot of information out there, people might feel a bit comforted by hearing other people's personal…
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o2 Mobile Contract - IPhone 3G S
Hi All, Anyone looking for a mobile contract could try o2. I was declared bankrupt last year (May) and got ED 15th January. Applied for a IPhone 3G S today and was accepted :) Hopefully its the first step in improving credit report
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No credit check bank account?
Hi does anyone have any experinces of these websites that offer a no credit check bank account that are open to bankrupts? but that charge a set up fee and a montly fee??? many thanks
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my outgoings on BR form
Hi all,,, here are my outgoings on my form, income is £950 - £1,000, can anyone see any problems with them?? thanks so much for helping,,, water36.4mortgage411elec&gas100telephone50c.tax55pet ins.37house ins27h.keeping100travel 80clothing20mobile10926.4
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Tax Returns
Having been made Bankrupt in March 08, I think Im due a tax rebate for 08/09. I was discharged in April this year, will the money be mine or will i have to give it to the OR??? many thanks in advance:confused:
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We did it!!!
My wife and I, finally, went BR today....after months, if not years, of humming and harring over it, we took the plunge!. Our appointments were for 10.20 and 10.30am. We got to the court ontime and handed over the forms to the ,initially slightly frightening, lady at reception, who went over both our forms. The CAB had…
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help needed!
Hi all, I went BR yesterday and contacted a payday loan company re the bankruptcy to advise them I will not be repaying the loan. They replied by saying they will try to take payment anyway which is fine as it is in my old frozen bank account which Iam not going to use any more but then they said they will then contact me…
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bankruptcy help!
hi guys i need a lil advice. me and my parnter have around 25.000 worth of debt. we are both out of work due to redundancy. luckily all our creditor have accepted £1.00 a month payment. we are thinking of going bank rupt how do we afford the court fees when we are on job seekers? and also do they come and take our stuff as…
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If I miss a debt, can I include it later??
Hello All,,, almost finished filling out my forms now... a question - If I miss out a bill/debt will I still be able to include it once declared BR?? It's just that I know I owe C.Tax for a property that has been reposessed but the council have not yet realised and there is no reference number allocated to me and I don't…
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Bankruptcy Forms
Aaargh these things are so difficult! Am filling this out for my brother and am up to the 'outgoings' bit. Now he's moved out of his flat back in with my mum and dad, do I put what he used to pay in mortgage/electric/gas etc on there or do I put what he will be contributing towards him living at my mum and dads now? Sorry…
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Phone & Broadband Packages For BR
:confused: Hi all, partner and i went BR earlier on in the year and just wondered if any of you good people could advise us if we are allowed to get a land line and broadband package, if so which ones are good to look at. Much appriciated MS.:confused:
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Problem with joint account
I have a joint account with my wife at First Direct. Originaly this was a sole account in my name and I had a £2000 authorised OD. I converted this to a joint account when I got married again about 3 years ago. I am wanting to go bankrupt however I am concerned about the fact that my wife would be jointly liable for the…
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A question about juggling
Okay sorry, I am new to this and want to know everything lol. New questions keep popping into my mind everyday. When going through SOA people are suggesting that you take bits off and add them to other things eg take a bit off the pet care and add it to dry cleaning, will the OR not see through this and penalise you and…
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General bankruptcy questions...
Hi everyone, We have been considering a DMP through CCCS recently, and did the initial phone call this morning. We have our "proper" appointment in 3 weeks time (busy!!). However, I did a Debt Remedy online with them just out of interest, and it recommended BR as our best option! Naturally, my first instinct was shock as…
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4th anniversary
:confused: hi just about to have the 4 th aniversary of bancruptcy (july 2005-discharged april 2006) i applied for a halifax current account as i only have a basic account. i was turned down... i got my credit file report all my defults that were included in my bankruptcy were all still showing as owing!!! and default…
