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Mobile Phone Contract
Hi All, Can you still get a mobile phone contract when BR? I was made BR last Nov, so it's been a while. Just i tried PAYG but im spending Wayyyy to much on it. If anyone can shed any light that would be great. T.I.A Kay
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Beware Barclays Cash Card Account
Yesterday Barclays Bank took £600 from my new (post bankruptcy) Cash Card account and transferred it to pay into my old loan account - the loan which was included in my bankruptcy 4 months ago :mad: Of course they shouldn't do this, but they did. I called them. It's going to be a battle to get it back... Warning to others:…
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Step by step help needed
After considering my options I am filing for my own bankruptcy and im petrified!! Can anyone offer some advice.I have started to fill in the forms on the insolvency website and have swapped bank accounts and stopped paying creditors ( advice taken from a kind forum member ).I have also filled in forms on CCCS website and…
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2 court dates, is that normal?
Hi guys, another quick question, When I called the court to book our appointment we were told that my appointment is noon on the 17th but we would go back on the following tuesday at 10 for another. is that normal? the court by the way is Banbury
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No ipa
Letter confirmig no IPA yippppeeeeeeeeeeeeeeeeeee
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How are you meant to feel??
well after the chaos of the last 2 days finally declared BR at 10.45am this morning, went very well saw judge he said we had tried everything so approved the BR, how are you meant to feel now? i feel very relieved but also very disappointed in myself oh well just the OR interview now just waiting for the phone call to get…
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Going BR 7th July and im so nervous......
As the title says my DH and I are going BR on Tuesday @ 10am the court rang this morning to offer us this date as we said if there was a cancelation then could we be informed and offerd it and they did and we said yes. We wasnt due until 28th July we have no forms filled in or anything so guess thats what we will be doing…
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BR in Scotland
Hi All I have been reading through everyone's great threads and taking so much comfort that life goes on after BR. I also know that Scottish BR is different to England's so would be extremely grateful if anyone from Scotland can share their experiences with dealing with AiB etc as I am about to embark on the BR process as…
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The deciding factor....
Fridays seem to be a bad day for me. BR always seems to be the only option on Fridays. I have built up £2800 arrears on a secured loan and they have "liberty to restore" from the Court back in February. I am hoping to be able to keep my house and up the payments on this loan (£400 a month) to £500 a month if BR wipes out…
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I Did It!!!!
I finally took the plunge and went Br about 10 days ago, it was the most nerve wracking day of my life when i walked into the High Court, but everyone i spoke to was so helpful and friendly. When i walked out the court at 3 pm, with the bankruptcy order, i had a mixture of relief and humilation and failure. In the days…
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provisional BR date - medway court
Just phoned up the court and was told there was not a appointment system just first come first served :eek: so will be going to the court for the 14th July asked if I needed to bring ID and they said no ID was required :eek:,, thought Iwuld share this on here sorry for the other mundane forum topics ive posted on here!…
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Living abroad - wanna declare BR in UK
currently i am in USA. I am planning to arrive in UK by next week for the sole purpose of declaring BP. In this context, I have the following questions. I will be much greatful for your response. 1)Can I file for BR in London. Before leaving for UK I was resident in Leicestershire, however, for past two years I have lived…
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which credit agencies for Credit dissassociation. Also IVA v's BR
My dad needs to dissassociate himself financially from my sister. Is it enough if he just does this for Experien and Equifax or are there any other large credit reference agencies. Also, My dad is retired and receiving a pension. He has unsecured debts of 50k. He owns a BTL property which was originally valued at 340k and…
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interest only mortgage
We are thinking of going bankrupt but have just changed our mortgage to interest only (it was to help pay CC), should we change it back, we can afford to pay it at repayment along with our secured loan if we didnt have the debt, wondered if it would confuse ths SOA, any ideas?
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Is Bankcruptcy a good idea ?
Hubbie's business he ran for his father closed end of April, after his father died last November. As sole traders looks like the debts are down to hubbie. Currently suppliers & utilities total £28k & Tax/VAT approx £13k We're exploring all options with help of CAB & CCCS and hopefully seeing an Insolvancy Practicioner soon…
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7 weeks bankrupt
Been bankrupt 7 weeks didnt get a interview though had a few 5 min calls from OR was told probably no IPA Not heard any thing for 3 weeks .. wondering whats happening in the back ground have a good day Paul
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help needed
Hi I am new to this so I apologise if this is in the wrong forum. I bank with Lloyds TSB and have my mortgage, bank loan and credit card with them. I am working but since my son left school and the tax credits and family allowance stopped I have been really struggling to keep up with all my bills, I contacted lloyds and…
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Is BR the best option for this mess?
Hi there I was hoping to get some advice.... About a year ago I posted a thread about my brother who I knew was in financial trouble but still borrowing from any means possible. I got a reply which said that unless he wanted to help himself then there wasn't a great deal I could do. How true that turned out to be when…
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coop cashminder application reffered
hi all, applied for a cashminder account today and was told my application was reffered apparntly because i hae lived at my current address for one year 6 months and previous for one year. Anyone else been in this situation? richie
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SOA - what does something have to be worth to qualify as an asset?
Hello - just about to go BR - (my husband that is) trying to wade through the forms - what do you include as an assett on the SOA - your tv, dvd player, playstation3? a set of golf clubs? - is there a cut off point where by if it's worth less than £X then you don't put it down? what about kitchen equipment - i have a…
