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Booked a Date - But Going Away
Have booked a date for bankruptcy, but am going away for a few weeks afterwards. (A day after) Is it advisable to cancel my holiday? I mean am I likely to be needed back in court, or need to see the receiver, straight after? Or in the next few weeks after?
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How Long?
Still quite confused about how long this will all take. Just need a bit of advice. Have got 3 CCJ, and have paid them every month, up to last. Work has really dried up (Supply Teaching), and I will will need to make a claim for benefit next week. Can't afford to pay the CCJ, and was wondering how long the process to go…
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Dealing with collection agency (CC)
Thanks for the great advice so far peeps, got another question though,please bare with me :o I will be going BR in the not too distant future, but until then I have agreed token monthly payments with two of three CC companies to keep them sweet short term, but, Barclaycard are being complete !!!!!!. I sent them the same…
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Losing car through bankrupcy
Hi My OH went BR last year and is now discharged but still has over 2 years of payments to the OR left to do (which leaves us very little) and at the time we were told that the property that was in joint names would be passed to me (which was repossed and now sold leaving a shortfall that I would never be able to pay off…
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Off to court today...10am
Well here we go.... our time has come. Our hearing is at 10am, feeling quite calm at the moment but everytime I start to think to much about it my guts go over. I know it has been said before, but this process would have been so much harder without you guys. So thanks one and all who have helped me, I dont think I can tell…
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Have I made the right move- re renting
Hi there, I would really appreciate some advise on this. After professional advise I have decided to go B. I decided to move out of my 1 bedroom flat which i put a deposit down for £15k. Due to low interest rates the mortgage was £290 a month interest only with a further £200 in services charges- making it £490 a month. I…
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Being Bankrupt
Hi I am new to this thread. I have just been made bankrupt having never suffered any debt in my life until 3 years ago. I went to court on my own and dealt with it the best way I could. On Monday of this week I visited the official receivers office armed with all my doucments. I came out 4 hours later feeling like a…
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Looking at bankrupcy as only option realistically
Hi My business has gone under, leaving about £35k debts, I was sole trader. I have managed to get a part time job, but it doesn't cover my outgoings, let alone begining to look at repaymetn offers etc, and its only a temp job too. [Gloom and doom from everyone else for weeks, but I'm chuffed to be working at all] I'm at…
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Court next week, new soa
Have finally booked BR court date for next week. Initially booked for Friday this week, but then clerk asked me if I had the precise dates for when all debts incurred - she said the judge would not accept petition if this was not done. Cancelled appointment, thought this would set me back at least a month with…
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tommorrow
hi i havent been on for a while but finaly last thursday submitted my forms phoned yeovil court and have my appointment tomorrow morning at 9 i have just finished printing 3 forms (100pages) and we will have to see what happens in the morning thnks to all on the forum for there help and support its taken me since christmas…
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Guarantor for discharged bankrupt
My brother in law has asked me to be a guarantor for him for a small loan which he wants to take out to try and build some credit rating. I trust that he would keep the payments up but I am concerned that if I act as guarantor it will appear on my credit file? Does acting as a guarantor associate me with him financially?…
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Foreign Holiday
Am I allowed to go on a foreign holiday if I am in the middle of bankruptcy proceedings?
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On the verge of BR
Hi everyone and can I first just say what a friendly forum this is, I have spent the last week getting advice from you all and I thought I'd better post our story. We spoke to CCCS earlier in the week and they have advised us that bankruptcy is the best option to go for, our debts break down to this; Unsecured Debts…
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Secured Loans Please help
I wonder if you can help me I've spoke to CCCS and they have told me to rent a house and give my keys back to my mortgage company telling them to reposses I have 2 secured loans one with first plus and the other is with welcome. Both keep phoning me at work and I have asked them to stop as I'm not allowed to take private…
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Yellow Square / UK Search Ltd
Had a letter this morning to Tristesse / The Occupier asking for the whereabouts of Tristesse so that important mail could be re-directed :rolleyes: Google reveals they are a DCA so DH rang them, informed them of my BR and said he was going to report to the OFT about their dishonest letter. Has anyone else heard of them?…
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Beneficial Interest
Hello, just having a panic thought, I am in court next week.. At what stage does the BI in your house get sold on (if acceptable)? And who do I discuss this with, I have been thinking it would be with the OR after the BR forms have been filed and now am having a panic that this may be something that I have assumed..…
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Filled in BR forms today, in court tomorrow!
Hi, Just want to thank everybody for all of their help and advice over the past four months, we couldnt of got through this without the fantastic support from you all. My boyfriend has finally completed his BR forms and we are going into court to wait our turn tomorrow morning :eek: We are both anxious and hope it won`t be…
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Early Discharge
Hi to you all, Was just checking the insolvency web site and to my surprise we was discharged yesterday (7.7.09).:j:j:j:j:j:j This forum has been so much help to me and with it i dont know if i could have done it. Would like to thank everyone on this web site for there help and surrport over the last 7 months. You all…
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Advice needed, CCCS recommended Bankruptcy
Hi all, I used this forum about ten months ago and had some great advice regarding debt management. My previous post is here: http://forums.moneysavingexpert.com/showthread.html?t=1151131 Our situation is this: I'm not working and have no income. Still suffering from depression but feeling much better and hoping to find…
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Early discharges
Hi all. I was just wandering if anyone has recently had an early discharge ?
