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New SOA-Please please have a look!HELP NEEDED
Hi all, I have re- jigged my SOA. My rent includes council tax and bills, this is a low rate for inner london- as my landlord is a friend who understands that i am going into B and therefore took a further £150.00 off for me. This could of course change any time - but i suspect the OR will expect me to find the cheapest…
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who is the official receiver
has anyone ever spoken to him/her themselves? Ive only ever spoken to caseworkers or examiners. My examiner never refers to the OR as he/him/her/she - as in 'i will pass the information on to her' I have visions of the OR being a computer that when all the data is put in it says ' computer says noooo' :rotfl::rotfl::o
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repossesion v bankcruptcy
I'm helping my brother prepare for the big B for debts of over £250,000 which are business and personal. He was a sole trader. His home is for a repo hearing later this month. Luckily he already has rented accomodation with a housing association. My question is, would it be better to get the bankruptcy done before the repo…
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Just want to help him..any advice urgent please!!
Family member made bankrupt...please help! He has his own business The official receivers are coming next week and he has to give them all his details of who owes him and who he owes. I think the amount is roughly 50 grand. There have been lots of people declaring they have gone bankrupt to him and have done…
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IPAQ for Eearly Discharge
Household Information[/b] Number of adults in household........... 3 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1437 Partners monthly income after tax....... 985 Benefits................................ 132 - Child…
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SOA balance sheet ADVICE this ok ??
Hi well I have got all my figures together, be greatful for advice and coments, can i attach this to my SOA when i print out my 3 copies for the court ? My partners income is her contribution to household bills after she has paid her Credit Cards (only works 15 hours) so not much left. I have a company car so do not need…
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Bankruptcy Advice
Hi, My parents recently declared themselves bankrupt. They have been contacted by the official recevier who has said that he will contact the mortgage lender and secured loan company as he thinks they'd be better off renting. My parents want to stay in their home and can afford to pay the mortgage and secured loan, they…
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waiting to hear from the OR
hi, went BR on friday 3rd July was told by court the OR might ring that day or Monday they havent... I called today to find out if i could use my co op account and have found out they have moved my case to a different office as it seems a straightforward case:T finally spoke to my case officer she said i could use account…
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Letters to creditors
Hi, I've read loads of posts and am trying to find any that have letters to send to creditors about stopping calls & harassement. The OFT regs etc. Does anyone know / have any idea where they may be.... Cheers
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Question regarding bankruptcy and secured loan
Hi all, been looking through all the posts but can't really find an answer for my question. I am looking at going br but I have a loan secured on my home, if i was to go bankrupt and my house was sold, if there is a shortfall on the amount owing to the secured loan would I still be liable for that even though i would be…
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Car Insurance
Hi I have just been on confused.com trying to get a renewal car insurance quote, they did not appear to ask the question regarding bankrupcy? Has anyone had any car insurance renewal issues? Your prompt replies would be appreciated. Many thanks NewStart09
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Advised to go bankrupt
After detailed phonecalls with payplan- who I ad were fantastic, lovely and helpful-the advisor has told us it would be best to go bankrupt. we have joint debts of £44k :eek: and NO assests, even our car is worth less than £500. We have got into this debt over 10 years and have one the thing everyone says not to do, borrow…
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Is my understanding of the law correct?
Had a credit card debt sold onto a DCA. Agreed to pay £40 per month. I have now cancelled all direct debits on my bank account and have sent letters to 4 creditors offering them a token payment of £5.00. Had a call from this DCA just now. Very rude woman and to be honest, if I didnt know what I did know, would imagine she…
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Repossession of House
Hi, About 10 years ago we had our house repossessed and are still paying for it now. When we first got advice from the citizens advice bureau they said that after 10 years you no longer pay as that is the maximum amount of years the banks can ask you to pay back the money as you pay back a percentage. However since then…
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Went br this morning
Thank you to everyone that answered my final couple of questions yesterday it really helped today. At 9.50am this morning I arrived at court and had to wait for spot on 10 am when they opened the office windows. Someone took my papers immediately and checked them came back out to confirm a few bits and pieces, then asked…
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IPA reassessment
Just a quick question please. I sent in a reassessment of my IPA in the middle of June to try and get my payments reduced for my August payemnt on the 22nd July. My case is with the RTUL or whatever the thing is called. Does anybody know roughly how long these things take please, I was hoping it would be pretty instant as…
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Fed up with Electron.
My friend has a coop bank account and has been discharged from Bankruptcy for a year now. She is managing financially but finds the only thing that inhibits her now is that her electron card is not accepted in as many places as she wants. What she would like to know is has she got any chance of being accepted for a bank…
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unpaid bill letter
A few weeks ago i had a bill for electric/gas, i queried it as i left the company last november, but they just said it was final bill, and sorry for the delay in me getting it, already knowing i will be going BR i havnt paid it, about 5 days later i got a reminder, and now today i have got a letter saying if they dont…
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Bankruptcy does it effect partner?
Hi there we are in a real mess with debt the citizens advice bureau are negotiating for repayments etc but yesterday they phoned and asked if we had considered bancruptcy my partner doesn't want to consider it as he thinks things might get better and he might find a job. I thought it might be a good idea for me as I have…
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A few questions that will allow me to complete the online forms.
I've saved up my questions so I can get them all out of the way with one post. I'm 88% complete, just a few things I wasn't sure of... 1. Firstly, I'm planning on leaving my house at the end of the month and moving in with my parents until I'm discharged. I'm in the process of applying for JSA due to being made redundant…
