-
Discharged bankrupt bank account - apply online?
Hello Does anyone know of a bank account for a discharged BR which you can apply for online? I tried Lloyds but you have to go in as apparently they use a different way to process the account but having trouble getting to town at the moment and was hoping for one I could set up online. Thank you.
-
Would just like to say thank you...
To everyone who posted on my threads and offered me advice and support, and also from other people's thread's, that are so informative :D This is perhaps going to sound abit silly, but I sat here thinking last night, I feel awful my DH having to go through this. I feel as though its completely my fault, as I was mostly the…
-
moving house soon
:THi all. i have had another call from my mortgage company at work. i advised last time to call me on another number as work isnt the best place to call. would anyone advise that i tell them of my situation as we are moving into rented 24th august or stay quiet for now??
-
Hardship due to credit cards
My wife and I have a combined debt of around £80,000 over many credit cards. we have have been to CAB, payplan etc but been told that they cannot help as we have a negative income of around £400 per month. is there anything else we can do, is there help for cases like us for things like council tax etc. we both work full…
-
Abbey national savings account for discharged bankrupt
Appreciating that there are various posts re:savings accounts for bankrupts/discharged BR's etc-and i am pleased with my small YBS account-i seem to recall that someone also recommended a Abbey national savings account and i may be wrong but i again seem to recall that they said a specific AN saving account had a cheque…
-
How things change...
Apologies for what is likely to be a lengthy post! I've been posting recently about an IVA that HMRC has refused. Ohh how things can change so quickly :) I am (as of yesterday) out of work which now leaves me with some more things to consider! Basically, I'm now 100% convinced I should declare BR. My partner has recently…
-
Beneficial Interest - do I want it??
:confused: Hi all, am in a bit of quandry at the mo! I had a call from the OR a week ago asking for a valuation of our house as I had indicated that I'd like to buy the Beneficial Interest a couple of months ago but that they needed a valuation. I'm going to get a valuation done but I'm not sure whether I want the BI or…
-
Scottish and Skint
Ok well the debt councellor came out to see me and my husband today. Bless his heart, he's lovely but I don't think he's ever come across a case quite like it. I'll do my best to explain the situation, but it's a tad involved. OH has ran up huge debts behind my back - quite possible from before we even met, 14 yrs ago. He…
-
selling a car
My brother plans to go BR around the end of Aug & we're saving for the fees at the moment. He has a car, worth about 5 1/2K. Its uses a lot of fuel & he can't afford to run it anymore. If he sells it would the OR expect all the money to be handed over or could he use some of it for fees and living expenses. I paid for a…
-
No car means No Work So No Wages
Hi Have started my own thread after posting on Larzies ( sorry Larzie) My car is on a secured loan with GE Money now Santander, I pay £237 per month and have had it for 26 months on a 60 month payment plan,all payments are up to date apart from missing one payment in June but its a struggle now and Im not sure if I can pay…
-
bonus part2
some of you may remember my post from this thread: http://forums.moneysavingexpert.com/showthread.html?t=1796541 with regards to my bonus from work heres a snippet so you know which part to read (hijacked thread) (I spoke to the OR today regarding my one off TAXABLE £150 bonus and my car brakes situation. She immediately…
-
My Dilema
Hello every one. Ok, I might be forced to go B/R due to my ex partner going B/R and our house being repossessed. The house is in Neg equity and i will have to pay back all of it due to her being B/R. This could be £9000 if sells on the market, but if goes to auction could be anything 10k, 20k, 30k, how ever little it sells…
-
10th Week Bankrupt
10th week bankrupt. No Interview No Bank Statements No IPA No contact since intial call after 1st week Deafening Silence. I was told that my bank will have to contact OR if i go over a certain limit but i dont know the limit. Just seem to have to hold out with waiting game.
-
Im confused...discharged bankruptcy..
Hello my names Ste......i went bankrupt in January and ive just recieved a letter from my Official Reciever saying that i have been discharged early...well to say the least im extremely happy :rotfl::D......i can now start sorting my life out......i havent been working since i went bankrupt... What happens next? it says…
-
RMA and Barclaycard
I have got a debt with Barclaycard which basically i couldn't make the minimum payments and i tried to come to some deal to make payments i could afford. I kept writing letters but got no luck and they kept charging interest which has made the debt bigger. I have also been contacted by numerous debt agencies including…
-
creditor's calling at work place.
Hi all. just a quick question, i have been getting reports from my work colleagues that some creditors are calling me at work, i have advised them not to do this as my employer wont take to kindly to this although they are aware of my situation & my job is fine. am i within my rights to do this as it is hardly private for…
-
need help please
hi im posting on behalf of my parents they are going out ther minds with worry and need any advice please here we go mom works 1050 dad self employed 700 monthly income =1750 expen morg payment 650 scured loan 450 council tax 130 water rates 40 gas80 elec80 van 340 petrol 150 death/life policys 130 food 200 debt care 135…
-
Car
okay so my car is bought on options, and in the agreement it has a clause that if I go br they will take it off me. So I understand that I probably will lose the car. However without it I can't get to work. I also understand that the OR can allow you an amount to purchase another more reasonable vehicle. My question is…
-
Lead up to br
I have got my court date in august, however I am still using my credit cards for food and petrol to get to work as I can't afford to live otherwise hence br, will I be penalised for this? L
-
PANIC - call from receivers
Dear all after some help. Had a call from received yesterday asking abou a vehicle that has been involved in my BR claim I was made BR in January this year and everything has been going smoothly and i'm getting things back on track. However there was a car that may have changed hands before the BR was declared. It has…
