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Advice Required
Hi haven't been on for a while, but wondered if anyone knows - I went BR in September 08, I've checked the Insolvency Register and my case has now moved to RTLU - is this the same as the official receivers office?:confused:
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the address of banks and credit cards
I am finally filling out my BR forms do I just put the address down that is on my bill for the creditors and would the overdraught be my branch address? not sure thanks!
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Car, House Business?
Hi! really hope you can help with some advise. I've just started a small business selling skin creams on the internet. It's going but slowly and is funding itself. My husband is considering bankruptcy and I'd like to know how it will effect me, my business, house etc. Brief outline: The business was started with a cash…
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Blackhorse/lloyds finance
Hi all has anyone else had problems with these jokers? I informed them of my BR back in March and since then they have sent letters and statements to me and also took a payment after I went BR it was only for a £1 as i was paying all my creditors reduced payments. I owed them over 8K when i went BR. They used to write…
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the dreaded bro|bru
hi all you peeps,i have just been reading a lot of posts about the worries we all have.one of the things that keeps coming up is the dreaded bro/bru.as far as i can understand yes not good to get,yet more restrictions.however you still have theese restrictions for 6 years anyway for further credit.the fear seems to lay in…
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Well ive done it ......but now a couple of questions
The relief literally poured out of me when i went to see the judge last weds and was made bankrupt but now i realise the hard work starts here, im currently waiting for the letter from the OR for when my interview is but i do have a couple of concerns/questions i have a car and need this to go to interviews etc as im…
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a friend in need (substantial debt)
hi all have been looking at the threads the last few days on behalf of my friends son and i need to ask for some help for him as follows : he is only 24 years old and has accumulated the following debts VAT £5000 PAYE £2000 BANK £10000 CREDIT CARDS £12000 he has £3500 saved and a tax refund due of £3000 he has no assets,…
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ive just recieved ED
just recieved my early discharge letter:j went br on 18 dec 2008 got early discharge 30 june 2009. ive been checking the website at least twice a week since getting the ED forms:o and i even checked yesterday but obviously didnt read it properly:o lol thanks you everyone for all the help and support,( but dont celebrate…
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Discharged Tmrw Wehey
Hi, My br ends tomorrow, just wondered how long it takes to drop off the insolvency register? Just checked it and my discharge is tmrw. Going to clean up my credit file in about a month and i might even get a cash plus prepay card and apply for a credit builder card that there offering. Not that i want credit, but hey who…
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will my employer know I've become bankrupt?
Hello, just near the end of filling ouyt my BR forms - going to court end of this week.. I have had to enter in my employers details, will my employer learn that I have become bankrupt?? If this is the case, am wondering if I should offer up the information first... thanks,,
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moral or more dilema
Hello Me again okay here goes, i had a personal injury 3 yrs ago, expecting to get the money soon. Now because of my divorce i am likely to have to go bankrupt. however i really need to keep my car, currently on hp, my mum will get a loan of 4000 to pay of the finance and then it will be her. But her and my dad have kept…
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Another Council Tax question
Hi, Date is booked for 27 July. Received a court summons for 29th July for liability order for Council Tax for 2009 - 2010. I have just made an arrangement to pay the arrears, but: 1) Would just the arrears be included as no liability order has been granted yet or 2) The whole debt be included as Council have applied for…
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Wirral Bankruptcy
Hi All Has anyone had any experience with bankruptcy on the wirral, can you advise. L
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went BR today medway county court 10.39
Hi All. Turnt up at the court today at 09.15 to allow time for clerk to check paper work. When I arrived I asked the security guard where to go for bankruptcy petions and was looked at in a suprising and disgusted look with a reply "you want to go bankrupt?" when I replied "yes" he said go p the stairs and then wait with…
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Work bonus
I get paid a bonus every month from work this has dropped quite a lot from almost doubling my wage to most months a few hundred quid to some months nowt. When I was getting the big bonuses I could pay now I'm not we are stuggling. That's why I took the job thinking we could pay the bills. When I go BR will they just look…
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Council Tax and CCJ
I am going bankrupt at the beginning of August. I have just had a demand for council tax arrears of £180. I have moved from area, and was wondering if I can add that to bankrupts. Also haven't paid CCJ's for over a month. Bit worried I might be taken to court before I go bankrupt. Is it a good idea to write to my creditors…
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Going BR and living with parent
Can someone please answer one question that is worrying me I am currently living at home with my mother (no im not a mummys boy) due to my financial predicament and I am worried that when I put on my SOA that I am paying her rent/lodge/boarding of 420 per month which includes council tax but I have to pay half the bills…
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Help please - husband not listeneing!
Hello I'm new to talking on a forum, so please bear with me. I hope this is the right place to ask this question I went with my husband last week to a CAB debt advisor, becasue his business went under several weeks back now. Theres about £40,000 in debts for the business. We don't have any personal debts. The CAB gave very…
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average discharge times at the moment
Just wondering if anyone has got a solid grasp on how the early discharge cases are taking to happen. I'm not getting my hopes up but wondering if due to the increased numbers of people going bankrupt recently, whether this is flooding the system and things are taking longer or whether the opposite is true and the OR's are…
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Just wanted to tell my BR Story
Hi All have been looking at this website daily since december and have just thought it would be good to share my BR experiances with you all. Well it all started when i was 18 (ten years ago) when i was buying cars on Hp and then terninating the agreements as i found it hard to keep up the repayments (young and nieve I…
