-
BR form printing question
Hello again,, Does anyone know how to print off the form online? I don't want to submit it online, just want to fill it in and then print it off three times to save me writing it out three times... Thanks,
-
BR Form, where do I put creditor who has reposessed house??
Hello all, I am just filling in my forms... in court very soon and dreading it.. Where do I put a creditor who has alread repossessed my house - is it now an unsecured creditor as the house as gone? Thanks,,,
-
crumbling with phone calls
hello everybody this is col i havent posted for a while usually i leave this to penny,however she is upset this morning so gone for a coffee with her pal. i would like to know the procedure for the handling of creditors by phone who after only 2 weeks of none payment are hounding us every day from 8_30 am.i did think that…
-
Preparing to go BR - bank statements
Hi guys, I am getting myself ready (emotionally and practically) to go BR. Thing is I have never kept any of my card statements, and I bank online so never get paper statements, so what can I do about the thing where you have to provide 12 months of statements for the OR? Thanks
-
Do I need to take all my accounts with me on day of petition hearing?
Hi, I have my petition in a few days time. I know that obviously I need to take the petition and statement of affairs forms with me. But what else should I take? I’ve noticed from reading posts that you may or may not have a meeting with the official receiver. If I do have a meeting with the official receiver, is it a good…
-
Couple of questions on SOA and Renting
Hello all, just a couple of questions, does any1 know where i can get an online SOA form to fill out and post on the forum? Also when filling out the SOA do i put all my debts down i own now or do i just put down what i will be paying after im made BR? And lastly me and my partner have found a rented property for £500 we…
-
HSBC asked if I could transfer debt to another CC
Hi, A debt collector working for/on behalf of HSBC called me recently and during conversation (felt like interrogation!:o) he asked if I had another CC with room to pay off the debt with them. I understand they just want to shift the debt to another company and to me this is clearly unethical. My question is, is this…
-
renting etc
hi all. just a quick question, we are due to go b.r on 10th sept, we have stopped paying mortgage & have since found a rented house to move to with our 4 children. (thank god.) does the or have to tell the landlord of b.r as we don't want to run the risk if being evicted & have to up route the kids again, can i ask & plead…
-
Question re change of circumstances
At present I have been signed off from work by my doctor, and he has told me I need to change my job or my condition will worsen. I have sat down and worked out that we could manage with dh's salary, and the tax credits we would get if I gave up my job. My worry is what the OR will say about giving up work. I do not earn…
-
Bankruptcy or something else
Hello everyone will try to keep this as brief as poss but would be good to get some advice. Due to break down of marriage and my ex running up a load of joint bills i think i am going to have to go bankrupt or something my situation is this: Wages 1400 (ish) Debt 2 credit union loans through work 256 per month (about 15k…
-
Need help - is anyone out there ?
Have been reading all the great advice and have posted thread few days ago under "think bankruptcy is my only answer" could really do with some support on my SOA.
-
5 days before ...
my automatic discharge ! and i can't wait for it ! oh boy time fly by and what a difference a year make between my first post and now ....
-
realistic questions
hi all i am recentley disabled from a accdent at work my condition is permanant and i will be on long term DLA IIDB IB my wife is my carer, she works part time we have a house which is in equity by around 30 thousands pounds and i owe 36000 pounds on secured and unsecured loans and credit cards. we are on a dmp with…
-
going bankrupt tomorrow in medway county court
hi guys just posting to say that I will be going BR tommorrow at medway court, bit nervous now but sure more nervs will hit tommorrow when i turn up at the court! Any last minute tips anyone can give? cheers richie
-
Having to go bankrupt ;-(
Hi, Sorry to ask these questions if they have already been asked, I have decided I have to go bankrupt, I did try d.m.p through cccs but it was too much for me as i was on benefits atthe time so my back is against the wall and bankrupcy here i come, I have the forms to fill I have sorted out my depts letters out now all i…
-
Informing the OR of a change in circumstances. A Question...
Hi Folks, I have today started my new job and am really pleased. I know I have to inform the OR within 21 days of a change in my circumstances but my question is, could i get away with informing the OR within 21 days of my first pay check, or does it need to be within 21 days from my start date? I feel I ought to write off…
-
Bankruptcy HP agreement - what happens?
Hello I am still speaking with payplan and CCCS and I think possibly due to the nature of my other half's unstable work (sole trader) bankruptcy for me may be an option. I have an HP agreement with Santander with a bankruptcy clause, it states I should not petition for bankruptcy etc, or call a meeting of creditors (isn't…
-
OR wants following documents
Any loan or finance aggrements. All Bank and credit card statements for last 12 months Wage Slips for last 3 months Used or unused cheque books Bank or Credit cards still held (Cut in half before sending) I can do the last 3 but dont have the first two? Will i need to ask for them from the CC Companys etc??
-
TNIDIS form????
Got my bumbf from the OR today and have a telephone interview tommorow morning. Just filling in this form and it says i keep one and the other one i fill and in and sign and date it in front of a witness. Do i have to put witness details down or something?
-
Discharge date??
Hi Everybody, From the insolvency website my discharge date is 27 Jan 2010, could this be any earlier or could we expect anymore communication from the OR. Also after discharge does the OR look at anything else. Thanks guys, enjoying life now BR.....
