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more letters
hi i went BR on thursday to day (saturday) i reseved a letter from THE BANKRUPTCY PROTECTION FUND LTD saying sorry to here you are going bankrupt our services will ensure that your crediter are repaid and that the bankruptcy is cancelled making you solvent and credit referncce corect their records free enquireeirs to our…
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Belated thank you from Lily and Billy
Hello everyone, As the title indicates, this is a very belated thank you from me and Billy for all your support before and during bankruptcy. Our automatic discharge came through last week. We dutifully checked the Insolvency Service website before and after midnight, noted the difference, and had a muted celebration the…
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Valuation this Monday
Hi all, I have an estate agent coming to value the house on Monday so I have a better idea of the equity when considering my options for BR. I have read that I should ask them for a 'quick sale' valuation. Is there anything else I need to say to them? Should I point out all the flaws to help them find a lower valuation?…
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Bamkruptcy search advice
A discharged bankruppt myself, but now have a need to search via i guess the London gazette someone who was made bankrupt in the last 10 years or so. I apologise where i think the link has been posted in last few days, (can't find it now ) but can anyone help me with the direct link to the correct search section of London…
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B132 Notice?
Hi Guys Going BR on the 15th of this month...left our house and have moved into rented.....told Northern Rock and First Plus we are giving up the house and are not signing anything. I keep popping back to the old house to check the mail and today we got a letter from the land registry which is a B132 Notice...does anyone…
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New car...
Hey guys In a couple of weeks time by parents are changing the car they have been lending me. I disclosed the one I'm lending at the moment on the petition so will I have to advise of the change? Thanks Crum
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Is there any way they'll let me keep my computer?
Just wondering what the deal is with stuff like this... I got computer parts and a monitor on buy now pay in 12 months about 2 months ago. So I owe around £750 to a finance company which I included in the 'creditors' but of my forms. I also included the computer parts as one of my assets as it's one of the only things I…
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Eon letter
I cancelled my direct debit a while ago, and received a letter a couple of weeks ago saying i owed them £80ish this was to catch up on a payment scheme or something. anyway, i have now today got a letter from energy collection services, staing that if i ring them now to arrange a pre payment meter i can have the £83.31 put…
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beneficial interest???????
we both went br back in october 2008 and have finaly recieved a offer from the trustee on the house we need to pay £3200 to keep it. can this amount be questioned??? or can i get a new valuation and how long do i have to say yes or no to it?
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Fee for Certificate of Discharge (from Bankruptcy, nothing medical...)
Hello, G'Day and Bienvenue! Does anyone know if the £60 (ish) court fee for a Certificate of Discharge is reduced or waived if your only income is Her Majesty's benefits? I only ask because at the moment t'would be as near as darn it a week's "income" and I can foresee a situation or three where I'll soon need proof that I…
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Anyone passed a credit check with a letting agency after discharge?
We both went bankrupt in 2004, and discharged in jan 2005 , and really need to move to somewhere cheaper. Have cleaned up all crf's to state satisfied or settled, just wondering if anyone has passed the credit check and not had to put 6 months up front or a gurantor? Even looked at gumtree found somewhere nice which i…
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Repayment of overpaid Housing Benefit after BR
Our council has kindly made an "order for recovery of award" in our local county court for overpayment of housing benefit which was paid prior to my oh going bankrupt. They are aware he was made bankrupt but now seem hell bent on getting their money back despite the fact that we are now only just picking up the pieces from…
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car
hi new to this,thinking of going bankrupt of august a quick question have a car purchased on a personal loan can the bank barclays come and get the car
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Bankruptcy - preferential treatment ?
Hi All, Just a few thoughts that have cropped up on our journey to bankrupty. Our situation is that we are voluntary repossesing our house, have lined up a rented place to go to. We will be cancelling Direct debits for debts for secured loan ( £40K ) and credit card bills etc - if we continued to pay credit cards mimimum…
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taxman and BR
i have been BR for about 3 Months now and this month i recieved my Tax into my bank account i have not been informed by the OR that this was going to happen ! is this the norm
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Vol Repo -some urgent advice please!
Hi all Sorry I've not posted in a while, but it's been manic! I know there's other threads on here about this subject, but I'm on a time limit as I need to get this sorted by tomorrow. The BR petition are now filled in and we're about to apply for the court date, which is looking like sometime in August. We are having the…
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Help!!! Please!!!!
It's a very long story but the short of it is, is that i've recently split with my ex, he got into an awful lot of debt and unknown to me at the time, stole from his place of work to pay towards these debts and due to that is now serving an 18 month prison sentence. Because he lost his job (obviously) our house was…
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Ipa question
Just had my IPA agreement sent for me to sign but since i sent my SOA in my work has dried up again and will be very quiet for the next few weeks.What happens now i have this to sign.Any help much appreciated
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getting help from CAB- plus conflicting information?
Hi We are planning to go Br asap, and we have been visiting the CAB for advice. Last week we took in our budget forms so they can inform our creditors etc, and when the guy went through it, he questioned some things ( ie, a small amount per month for holiday, as we use that to visit far away family in the Uk once a year…
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Joint parent bank account....
My ex and i took out a bank account and it is for our son and it is in our joint names but a parent account for him. I do not want to touch my sons account, will the OR find this and do anything with this.......it is his money for him.....and I really don't want to upset the applecart and wouldn't do anything myself....
