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mortgage company rang
Hi all. just had my 1st call for our mortgage company saying that we missed our july payment, well yeh because i stopped it. they tried to get me to pay something or a ccj will be added. well of course i said i cant & they will call back in another 2 week's for some form of payment. i guess i just put this off & pay…
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ohh these forms
hi all hope you are all well an plodding on,just received petition from court for col an me...good heavens you need to be in the frame of mind to fill in.i feel like i should have a degree in english an maths.all those forms to be copied,i rang court to ask if they could photocopy an they said no..we dont even have a…
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Trouble getting Bankruptcy fees together?
Community Legal Advice (formerly Legal Aid) gave me the following highly suspicious advice!
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My SOA can someone please look over thanks!!
Hi nice people am hitting stress mode now as the day gets closer, depression sets in! Can someone take a look at my soa and see if there is anything else I need to think of adding in/lowering or thinking about! :confused: Household Information[/b] Number of adults in household........... 1 Number of children in…
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How soon after discharge to do credit clean up?
Um, 54 minutes? Just checked the website and its on there! Whoop! Muchos glasses of wine! So, how soon after this do I clean up? Companies may not have updated their info etc., so I'm just wondering when. Part of me doesn't want to, as I never want to be "targetable" by CC etc companies again, but its always good to get…
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Bankrupt in Notts Courts?
Hi Has anyone got experience of going BR in the Nottingham area? Are they ok? Do I have to wait for an appointment or just turn up? I need to do it very soon now but am petrified they'll 'eat me alive'. Any advice welcome.
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My DD has been in hospital
Sorry if this should be posted elsewhere. Perhaps you can help advise me. I don't go on the other boards and I think of you all as my mates so here goes: I didn't include DD's hospital visits on my SOA in the end but the latest has been a shocker! She was admitted on Weds night, (£20 petrol getting her there and DH back)…
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Default! Advice and Help
Hello All i am looking for some advice I ran in to some financial bother a while back and ran up a silly amount of debt on credit cards and loans. I unfortuantley defaulted on 3 debts i had. I have now not missed any payments for 18 months and have got myself a much better job which has enabled me to increase all my…
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bankruptcy forms?
Hi do I and my husband fill out a set of forms each , or do the forms jointly and do we both pay seperate fees? thanks!
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BR in local paper???
Hi my husband and i went BR yesterday, when would it normally be in the local paper? Thanks.
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Rent and taxes after declaring bankruptcy
Hiya another question! I live with my Aunt and pay her rent every month, for some reason her accountant has told her that because I am declaring bankruptcy that they would be up for paying tax on my rent, is this true? She rents out another property if that has any affect my rent is £300 per month Thank you
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Discharged - yippee!!
Hi all, Today i received a letter to say i was discharged on 24.06.09!!!!! I only went BR on 25.11.08 so that is pretty good going! My mam just made the comment how the OR didnt send a leaflet with the letter to explain what it means, and i only know what it means because of this site. I would like to say that this site is…
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Bizarre Turn Out
Hello again :o ) Well the relief has come. I last posted being concerned about the repayments on my bankruptcy and not knowing the break down of the £178pm requested. I decided not request the breakdown as I found out it is only payable up until April 2010. First thoughts were...... oh so it get's revised if need be and…
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bankruptcy
Hi can anyone help me. I got an email today from the Accountant in Bankruptcy telling me that my application for bankruptcy was accepted. I am on Job seekers allowance at the moment and wondering that when i return to work how much will i have to contribute towards my bankruptcy? Also is their a restriction on when i can…
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Transferring AVC's to LGPS
Hi all, I have about £6,000 worth of contributions in a Natwest AVC scheme. I had to stop making payments into it a few years ago when I ran into money problems, and i haven't resumed them since. I'm lucky enough to be in the Local Government Pension Scheme and I assume that the best thing would be for me to just transfer…
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statutory demand
I have been served with a statutory demand for nearly £900. I know I could pay off a portion to bring it down to under £750 then the person would have to use some other form of collection. My questions are:- if the judge decides in favour of the other person against me do I have to pay the full amount there and then....?…
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Bankrupt or IVA - the truth please
Hi Guys/Gals, I have about £53 k of unsecured debt mainly from a business that went under from no fault of my own. I have also had my marriage fall apart in the last year when my wife left in which I have been left with my baby girl to bring up. I am very close to having a creditors meeting in order to process the IVA. I…
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My bankruptcy Journey
Hello all. My husband and I are hoping to petition for bankruptcy soon. After years and years of desperately trying to pay back our creditors we have just had enough. We owe in the region of 45k and are both unemployed presently due to the current climate. Also I am on anti depressants as the stress of being in and out of…
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Bankrupt today! When can my partner buy beneficial interest - advice please.
Hi everyone - Firstly, thanks to everyone on here, your advice and support has been invaluable over the past few months. I finally took the plunge today and feel so much better. It really was OK. I have to wait for a call from the OR etc but so far so good. :T Can someone tell me how long it is likely to take before my…
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Repossesed, do I need to do anything?
Hi All, I filled for BR on March 2009, just after leaving my mortgaged flat. I did a mail redirection to my new rented home and last month I got a court letter informing that I needed to leave my property. No problem as I already did it ... My question is: Do I need to do anything else, or just forget about the flat?…
