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Worried my CC company are going to make legal moves on me before I can get things sor
Hi, To be honest it's my own fault for not moving faster, but I've just gone 3 months without paying my credit card bills, and I'm pretty much getting battered each day with automated phone calls, plus I've had a few letters, the latest telling me if I don't pay up soon, they're going to stick a default notice on me, that…
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Diary of a broken gambler
Hello all, I have been lurking on these forums for a while - I got some great advice here a few months back but stuck my head in the sand and carried on. Now I am going to face up to things and sort them out. I wanted to create a diary as such of my progression through BR as someone whose reason is Gambling. Please note…
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savings account to pay a chq into
Hi I went BR in June and touch wood it's going great!! However, I do not have a bank acc myself anymore because when i decided that BR was the best option for me I stopped using my current acc and swapped everything into my DHs name. This has been working great until now......I am expecting a cheque in my name for a…
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Thinking of going bankrupt.. NEED HELP/ADVICE!!
My husband is seriously considering bankruptcy after a long hard slog of trying to repay unsecured debts that we simply just can't afford anymore. Life has become increasingly stressful, waking up every morning is awful as its the first thing that hits you - its just too much to cope with. We have thought about an IVA but…
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Teetering on the edge of involuntary bankruptcy
Hi, A little advice received to hop over here from my DFW diary as it is looking likely that bankruptcy might be upon me. I have significant debts from the closure of my business (sole trader) and despite attempting payment plans and token offers whilst I try to gain employment, obviously this doesn't suit all my…
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When do I apply for fee remission?
Hi, this is my first time here so I hope I'm not repeating anything already discussed! I'm just saving up to go bankrupt and have the ex160 form to fill in for fee remission. When do I send this off? Now, so I know if I have to pay the full fees or after I have applied for bankruptcy so I have claim numbers etc?? How long…
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renting.
we are looking to move out of our house that is mortgaged. we are volutarilly giving it up. we are being honest with the agents about our situation of that & going br in sept. should we be so honest as we are getting nothing for the landlords as the agents have to tell them of course. every house we have applied for has…
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is interest only mortgage acceptable?
Our mortgage has just gone interest only £249 and the secured loan is £530, it is an extra £400 a month to go back to repayment, should we leave it interest only is this acceptable for the OR or will they expect us to be able to afford repayment mortgage? dont want to lose the house, we could afford repayment on a tight…
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Which banks are related to each other please ?
Hi Can anyone tell me where I will find out which banks are related to each other. OH is now discharged and we want to find a savings account. He has a basic bank account with the Coop that he is happy with but the computer won't let him have a savings account and I wondered whether all banks have the same rules. It seems…
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representative calling??
Had a letter that representative form one of our banks is calling, does this mean visiting the house? and there is a number to call if not convenient, is this a bluff? Thank you!
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Need to start IVA -please help
Morning everyone I have posted in IVA board but see its very quiet compared to here, so posting here too to try and ensure I get some of your wonderful advice. I was planning BR but on investigating the process further have had to change tack and am now planning to go for IVA. A few months ago I contacted Pay Plan who…
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Barclays Cash Account - why no online banking?
Hello everyone, I've recently gone BR (best thing I ever did!) and have since opened a no frills Barclays Cash Card account which is great. However, my only grumble is that whilst I've got the BR marker against my name I'm not allowed online banking. Now, whilst I appreciate that this is a lovely 'extra' that they provide,…
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Not sure what to do!
I am having a dilema, my OH is doing some work as well as his day job for a to help a friend it asks about trading names and business address do you need to put anything on this in these circumstances? he doesnt have a business name just doing odd jobs to help him out. Really not sure what to do ,please can anyone help?…
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Not yet BR but I need help with neighbour issue...
I haven't posted for a while and as yet I haven't been able to get together sufficient resources to go bankrupt. I have no entitlements to any benefits or assistance as I am self employed. As I have not had a contract in 2 months, my only means of living is to sell off my belongings on Ebay but even that is apparently too…
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IPOQ Income and Expenditure Form for Early Discharge. Help With SOA
Hi guys, Just received my paperwork for early discharge last saturday. Could you just check over the figures for me so i can post it back. I think their okay just wanna check it all. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in…
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Discharged today
Just checked the IS register in a vain hope that I have been given early discharge............and what do you know I have! Feel light headed and really cannot believe it. Went BR Dec 2nd 2008, and got ED on June 30th, so approx 7 months. My god, I am free. Big thanks to Everyone who has helped me, especially the " old…
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Post Bankruptcy Bank accounts..
Hi I was made Bankrupt in April 09 and duly got a new cash account with Barclays, very good. However they are now saying that I cannot have Online or Telephone Banking becuase I am an undischarged Bankrupt.. I already bankied with them and thad a good track record, hence openming the cash account post my bankruptcy. I have…
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CRB check, and bankruptcy
I have recently completed forms for a CRB check ...one part asked for bank account details. I refused to complete this part [on the grounds that no-one could guarentee the security of information therein] The CRB form has been submitted. Why do they need bank details? Could knowledge of my bankruptcy have any effect upon…
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Allied Int
Just had a text from Allied, they do ring quite often!! If I dont contact them today they are auctioning off my debt!!! Think i should put in an offer?
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Question about addresses on online forms
I'm filling in the creditors bit and I owe money on my virgin credit card. Do I list virgin as the creditor or MBNA? Also, I can't find an address for either, how do I know what address will be ok? Sorry I know I've read this on here somewhere already, I just can't find it again.
