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Relief :)
My OH went BR this morning - 10.30 a.m. :j What a relief phew!:D :j :D Boy do I feel better now!!!!!!! thankyou all for all your help, thankyou, thankyou, many many thankyou's :T:T:T A very happy FP :D xxxxxx
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SOA....can anyone advise...
I also have it at the end of my last (&first) post incase anyone gets confused (bankrupt....after breakup) but thought it best to post separately, thanks all Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... Number of…
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Bankrupted by the revenue
Hi I am new to this so please bear with me! I have built up a large debt with the Inland Revenue, dating back 5 years which my accountant has been sorting out. It now appears I owe them over 30K and although I dispute some of it I know its probably near to that figure. I have now gone on to a PAYE scheme instead and so no…
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SOA when living abroad
Hi there Does anyone have any experience of submitting an SOA (?) when living abroad? We live in Australia and our medical expenses are really high plus we have necessary medical insurance, which I understand isn't usually an acceptable expense, but covers my daughter's insulin pump. In addition annual school fees are high…
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Question about joint bank account after BR
My partner is going bankrupt, it's the only thing we can do now,my question is, recently we added my name to his account - (when we still believed we could get out of this stupid mess!) but we now realise that BR is our only option, but as it's my partner who will be going bankrupt what happens with the overdraft? will the…
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BR and council tax arrear
What happens to council tax arrears when you go b/r? The cccs have advised us to go b/r which we have been considering anyway. Has anybody had theirs written off?
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discharged with questions
hi all.sorry i have not posted for a while been hectic! i just received my discharge notice this morning ,hopefully will receive hubbys in the next few days!joint br on 15th december.woo hoo 1.but still have had no offer of beneficial interest. 2.it also says even though you are discharged from bankruptcy you still have a…
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Advice Please
I was wondering if I could have some advice re going BR myself and my partner are seriosly considering this heres my situation : PL - 10,000 secured PL - 17,000 un secured PL - 4,000 un sec Mortgage - 51,000 Catalouges - 600 Credit cards - 1000 We have an income of approx 3000 per month We are deep in debt and want to move…
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Should i write to my other crediters???
Having written a letter out to the gas/electric that are hassleing me i have just thought, should i write to my other crediters, and ask them to hold off while i get financial advice, obviously wont say going to go BR...if so is there a template letter anywere???? Thanks
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selling possesions on ebay to raise fees
Am I okay to sell some possesions to raise money towards the BR fees, I really want to do it as soon as possible, but a bit short!
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is it wrong?
now myself and my OH have saved our BR fees a friend has been advised to go BR as well. My question is ......is it wrong to draw cash out of their credit card to cover the BR fees for them? otherwise they could be saving for months with their financial state at the moment!!
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How to borrow money for BI, new job
Hi all, I've posted my story elsewhere but in a nutshell, when I go BR my wife intends to try and borrow the money to buy the BI in our house. She has just started a new full time job, nearing the end of her second week. With tax credits her income is expected to be about £300/week. I am currently not working and have no…
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bankruptsy today
ok first i went to the wrong court !:eek: they said its an easy mistake the county court was on the other side of the car park! straght in and saw the clerk nice woman we looked through the forms paid the £510 then went to the waiting room no need to see the judge back down stairs and waited 15mins while the paper woirk…
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ED SOA help
Hi all, Posting this on behalf of the OH because his account on here has locked him out. We'd be ever so grateful if you could have a squint over this and give us any feedback. Tis for his Early Discharge consideration. Thanks all! Statement of Affairs and Personal Balance Sheet Household Information Number of adults in…
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Face to face meeting with the OR
Well it's happened, we have had out meeting with the OR. I have to say that everyone involved couldn't have been nicer. My interview lasted about two hours, and my other half was in for about half an hour. There was no argument over either of our vehicles, and the OR seemed very keen to encourage the growth of our new…
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Help & Questions for a friend considering BR
Hi all Hope you are all well. A friend is seriously considering BR, but has asked some Q's, that I said I would post on their behalf, if you don't mind. They are a couple with a mortgage and are in negative equity, they have debts approx £30K. They are due to go to court this month, as one of the creditors is applying for…
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Think Bankruptcy is my only option
Need to move on with my life. Have offered lump sum settlements to creditors following separation from wife and sale of family home last september but they werent interested and have been paying nominal £1 per mth. thought they would have taken me to court by now but no. however have basically been using lump sum i had…
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Bankruptcy and Car HP
Hi all, Just looking for some advice from some wise owls. We are in the early stages of preparing for BR, as we owe in approx £50k and are drowning. We are handing keys back to mortgage lender, have found a rented property, set up a Co-op bank account etc ... Just had a question re car . I need this to commute to work ,it…
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Bankrupt today!
Hi, Well, my boyfriend is officially BR today as of 12.05 and it really wasnt as bad as we were expecting. Got to court at 9am with no appointment we were second in line and the clerk took his forms, went through them and asked him to sign and date certain parts then made him swear on holy bible that the info he had…
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new bank account
Im no longer bankrupt and have not been so for a year, but still am unable to get a bank account.Im in college at the moment (part time) but what happens if i get a job ? I haven't an account for wages to be paid into .I also have no credit history and am thus not able to get an account i have tried all banks etc that i…
