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IPA question
Hi all. I filled for BR on March 2009. I have an IPA for around £270. My question is: Once after automatic dischage, in March 2010...Let's say that I have a better salary... Do I still need to inform OR and adjust the IPA? I have been reading my documents for the BR and it clearly says that I need to inform the OR of any…
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bankrupcy question
Hi I am searching through all the threads and reading as much info as I can I am seeing someone next month about our debts but have a qeustion for anyone who has experience, when you apply to go bankrupt do they need statements for your cards and bank for years back, and how has it effected your children? Thanks
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Official Receiver HMRC
Hi My LTD Company has recently been put into compulsory liquidation by HMRC we have our first meeting with the official receiver on Monday. Can anybody tell me what happens after the meeting, i.e. are all the paperwork and accounts passed over to HMRC to scrutinise or does the OR make the final decisions. We currently owe…
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What happens now
I had my OR interview last week and would like to know what happens next. Spoke to lady dealing with my case and she said reports havent been sent to creditors yet and once they do and come back then she will look at my file and do what she needs to do. What does she mean by that? Is it anything to worry about? As i was in…
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Getting Credit once DC
Hi if you go BR, how difficult is it to get credit once you have been discharge. Could i get a mortage? Is it possible to be able to buy a car from a dealers on credit or HP. I know credit is serverly affected but is it impossible. At the mo my credit is shot to bits, so use to it thanks
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Reasonable rent for IPA (Houseshare London)
I went bankrupt a couple of weeks ago, and have since got a new job in London. Having looked at rental prices around where I will be working/Living. Work (Zone 1) Live (Zone 2) North London. It has become apparent that I will have to houseshare, which is fine. The problem is even with housesharing/flatsharing is the rent…
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Can someone please explain BI?
Hi i keep being told about BI can someone please explain this as i go BR tomorrow, and my house is likely to be in negative equity? I know it has to be bought out but what are the implications to me and the person buying it out? Thanks
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Is my Fiancee also liable?
Here's the background. We've lived together for 10 years and our finances have always been seperate. Although we do share the household bills, eg I pay the phone bill, she pays the gas/electric etc. She bought the house before we met and I have never been on the mortgage. She still pays the mortgage from her account. There…
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Been trying to get thro to CCCS BR team for an hour :(
Title basically says it all i got BR tomorrow and desperatly need some advice :mad: sorry just needed to rant.
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House
We have gone BR and kept the house, even though the mortgage is quite a lot, have not purchased the BI as yet. If we wanted to give the house up and have the negative equity balance to be included the BR does this have to been before discharge or before the 3 years after BR when then house BI will come back to us?
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Rowland Hill fund
Hi, I work for Royal Mail and i've just found out there is a fund for workers that are in hardship, I've rung them to see if they could help on a deposit for a house, they said they might be able to and it would consist of a 0% interest loan or a one-off grant that I wouldn't have to pay back. I know the loan is out of the…
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Scottish LILA bankruptcy.
Hi I'm mostly a lurker on these boards but thought I'd post a bit about my sequestration (Scottish bankruptcy) for all those North of the border looking through the boards wondering what happens. I'm 28 and been in debt since age 18 due to credit cards, then getting loans to pay off maxed cards, basically ended up with…
