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advice and support desperately needed
The whole process of BR is begnning to stress me out.I am beginning to fill the forms online and at the moment it all seems to much!! I have called the court and they have said they have a drop in service so im hoping to do it end of july (have to wait for wages to be paid in ).I have so many questions and am hoping that…
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CCJ and Charging Order
I had a CCJ which I serviced for a couple of years then lost track off. The CCJ was put in place a few months before my house sold. Would there have been any possibility that a charging order could have been put on the house after those years, ie when the house was no longer mine? Without me knowing anything about it?…
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Advice, please help for rent before going BR
Hi Would really appreciate any advice from out there, just feel so much alone coping with it all. We now think we need to move out of our home, rent somewhere and then go BR, feel such a failure and probably nearly at rock bottom, sure it will all get worse but i am so tired of spending the last 2 months trying to get…
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No BRU as yet-can we sleep easy now??
Hi all, I know I've asked this question before, but I'm still not 100% sure of the answer, so please bear with me! :D OH and I are now about 9 weeks away from AD and have heard nothing re a BRU yet. It was mentioned as a possibility at interview, but not heard a word yet. I've heard people saying the process has to be…
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court date can you chose or is it just given?
I was wondering if you are given options of dates to go to court or can you kind of arrange it ? I was just thinking it would be better begining of the month maybe a few days after the wages would have gone in the bank and DD paid then we would empty it right? is this possible? Thanks
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debtors bankruptcy petiton help
After waiting for the forms to print off ,took ages lol the first thing I am noy sure of is what to put on th details about carry on business as? I am registered as self employed to declare any extra income form art that is this classed as carrying on business and what do I put for trading name?
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Help with BR forms
I have just started to fill the online forms in and am getting confused :mad: I really would appreciate some help from you guys. I share a flat with one other person but they will not be included in my BR ,do I have to name them on the forms and put their share towards the expenses down?. for example our rent is £600 pm…
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Children's belongings?
Hi.. me again! I was wondering, once you're declared Br.. does the OR come to visit your house and look everywhere to find high value items? We don't really own anything high value, the Tv was given to us by my parents, the computers were made from parts from our families old pc's all put together etc... But I'm worried…
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Can someone clarify the length of time Ipa's last, and being Br?
Sorry if this is a daft question... My OH went to the Cab, and they told him you get discharged after a year, and that's when any Ipa you pay will stop too. Is this right? I looked on some websites and it stated that ipa's last for 3 years.. but if that's the case what is the benefit of being discharged after 12 months? Am…
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honest opinions on if paying for asistance a good idea?
I was on our court website and came across this http://myvesta.org.uk/debt-solutions/bankruptcy-assistance-programme#form I was wondering if it is a good idea to get this help as I am worried about filling in the forms wrong , anyone used anything like this? thanks
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Token Payments.
Hi, Thank to everyone who has provided me with valuable information on the site so far. I have managed to pay my mortgage/secured loan/council tax/gas and electric so far for the last couple of months, sometimes from borrowing from family etc, but have literally nothing left for outstanding credit card bills now. I have…
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Rent
Hi Myself and my husband are going bankrupt having contacted CCCS they have told us to rent a house, move into it then file the bankrupty so they take the house. At the moment with secured debt and a mortgage we are paying £1625.00 per month just to keep the roof over our head - we can't afford it. Having looked round we…
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Forms ntb1 and LT1
Hi,what is the difference in these forms? My friend has just gone br in the same court as me and has the same OR office,she was in an IVA like myself. When I went br 2 weeks ago I had a letter from OR with LT1 in right top corner and it stated my legal obligations and details of my telephone interview. My friend has less…
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bankruptcy bank and work hell
hello, can anyone give me some advice please? i became bankrupt on the 18th june, since then i arranged with my work that my wages go into my partners account. i filled in a change of bank details form at work and signed and dated it. my money was supposed to go in to my partners account on the 25th june. however when it…
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closed thread
closed thread, rethought what i just wrote!
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Does bankruptcy have a big affect on getting a job?
Most job applications that I see tend to ask if you've been declared bankrupt in the past.. can employers use this information to deny offering people a job, or is the reason they ask for something else?
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Mortgage shortfall
I know that if a lender takes possession of a property during BR, then as long as the shortfall is not acknowledged, it is included in the BR. But what happens after discharge? Our situation is that our property is in negative equity, but because I hooked into a tracker a while ago, my mortgage payments are next to nothing…
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Fraudulant insurance policy?
Excuse me if I'm posting this in the wrong place, its just I rarely venture outside this part of the forum! A little while ago someone started a Tesco and an Asda house and contents policy in my name via their on-line service. The Tesco one was soon dealt with as I knew it wasn't me. However there was confusion about the…
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Going to have to declare bankruptcy, got a few Q's...
I've toyed with the idea a few times but decided against it, but my sitation has just got a bit worse and I'm thinking it's my only option. I'll explain my situation because there's a few things I'm not sure about... I got a house with my (ex) girlfriend 2 years ago. The mortgage is in joint names, there's a loan…
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Something to look forward to in your dotage
Bankruptcy in over-65s 'triples' Eldery people have been hit by soaring food and energy costs The number of people over 65 filing for bankruptcy has almost tripled over the past five years, research based on Insolvency Service figures suggests. Some 2,595 people aged over 65 went bankrupt in England and Wales in 2008…
