-
paying bills before bankruptcy
I am okay to pay my water and electric bill, I am planning on going bankrupt in August, I was told by the cccs to keep up priority payments?
-
Cashplus / credit builder?
Cash plus / credit builder??? Anyone had experiences with this pre paid card to build up there credit rating after BR. Thinking of applying for one but thaught i would find out users opinions first. Thank u
-
Can Natwest take money out of my account?
I have a Natwest current account and a savings account which contains around £2000. I also have a loan which is £250/month which I've just cancelled the DD for. Will they be able to freeze my bank account, or simply just remove money from it?
-
discharge
Hi, i have just over a week to go before discharged. Just wondering what happens? Do i get a letter? Is there anything i need to do? My term is almost up and i can honestly say its been worry free. Debts have gone, phone calls and letters i dont get anymore and i have never heard anything from the OR within my 12 months…
-
IPA Cancelled - is this the end of it?
I've just had a letter from Moon Beever to say that my IPA has been cancelled and they are closing the file. Hubby lost his job before the IPA even started (but I had signed the paperwork). So does this mean the OR has instructed Moon Beever to cancel it and we are no longer eligible for an IPA and will not get one in the…
-
What's life after Bankruptcy actually like ?
Still at the deciding phase but would love to hear from any of you that have gone through it, recently & a while ago, to hear what the practical implications are to day to day life ? For example I know that BR stays on record for 6 years, but in reality can you get credit after a few years, if you've stayed debt free and…
-
does bankruptcy stop all of the calls?
Just wondering if some companies still carry on with debt collection after bankrutcy just to make your life a misery! Or does it all stop? thanks
-
In court in 1 hour!
Thanks to this message board though i am not nervous at all and kind of looking forward to it as today is the "New Start" i have been waiting for. Quick question, how long is it after being declared BR is your Bank account frozen?
-
Public office position AFTER discharge?
Hi, I wonder if anyone can definitively clarify these questions for me; * Can I hold a Public office position AFTER I have been discharged? * Has anyone known any circumstances whereby you have been allowed to carry on as a company director? The treason I ask is I’m an it Contractor, but dues to the nature of the business…
-
help please!!! forgot to add asset on online br form
Hi guys I have forgot to add my laptop on the online BR form and now its been locked in the system do I need to submit a whole new form or can I tell the OR about my laptop post bankruptcy hearing? thanks guys richie
-
Payments not made - letter from Lloyds
Hi, My boyfriend is filling in his BR forms and has not made his payments due 01July, he is aware he will now start getting hassle. Already he has received a letter from lloyds asking him to contact them within 7 days regards his cancelled direct debit or it will be passed to a debt collection agency. Sure this is par for…
-
SOA- Please Help!
Hi there, Please have a look at my SOA and see if this is ok. I have a student loan of £18000.00 which i am told does not get added onto my B. Do i than need to add the £200 that I will pay towards this? Any help will be much appreciated! Statement of Affairs and Personal Balance Sheet Household Information Number of…
-
Lots of Questions!!
I didnt want to post lots of seperate threads so I will put all of my questions here if anyone can help me with them it would be much appreciated! When I get through this I will post a diary for new people to read so it might help them, I am very grateful for the help so far! 1.I have read the forms and they dont seem as…
-
BR and mobile phone contract
My OH renewed his mobile contract a couple of months ago with orange. Seeing as we're going BR he wont be able to keep the contract will he? - as it's credit. Will he be able to move his number to PAYG or will he lose it as he's still under contract? He'll be really upset to lose the number as all the employment agencies…
-
erm??
May have to post on techie board or another forum. Something odd happening - I have no new posts for the last 2 hrs on MSE at all.
-
People going to court
Hi I live in Scotland and was declared Bankrupt on 3/07/09 and did not have to appear at court or anything. I did not have to see any OR that everyone seems to have to see or telephone on the forum. Im on Basic benefits after loosing my job as a result of the recession. My bankruptcy was awarded under the LILA scheme. Why…
-
Credit Reference File Clean Up - Q
Afternoon All, Just got a question as I am about to send out letters to the creditors to update information on my credit files. On the template letter is says you need to state the account number. What if you dont have account number - would the company be able to find me using personal details (e.g. name and DOB) ? Thanks…
-
Bonus advice, quite worried
Hi everyone, I know I have been a bit silly so would appreciate some advice please? In Junes wages, I got a bonus of £170. I was bankrupt 3/4 months ago. My dilemma is that this money came just at the time when I needed it to go visit my mum who is ill, she has been in and out of hospital over the past year and I haven't…
-
Need help with filling in BANKRUPTCY FORM !!!!!!!!!!!!
:confused: THE PAGE I NEED HELP ON IS THE DEDTOR'S BANKRUPTCY PETITION WHITCH IS A SINGLE PAGE BEFORE MAIN FORM ANY HELP WOULD BE APPRECIATED.:mad:
-
Hello johnny77.............
Hi johnny77, thanks for your PM, you are unable or have chosen not to receive PM's. You did provide your e-mail address, but I dont advise by email. Please either re set your PM account or continue on this thread. I have removed any info that could identify you. DD QUOTE=johnny77]I was bankrupt starting 27 October 2005 and…
