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2 years after BR, then suddenly.....
Hi, I went BR in september 2007. All of a sudden, this week I have received 2 different debt companies chasing debts that were included in the BR. I know that I am fine, and simply have to tell them to contact the OR, but I wonder why all of a sudden they start chasing again? anyone have the answer? thank you
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Repossession hearing after BR
Hello all, I am now BR for just over a week.. I have a repossession hearing due next week for a house I own (I use the word own loosely).. It is not the house I live in.. I have not yet responded to the court petition and am not sure whether or not I should now that I am BR, do I respond stating I am BR or do I just inform…
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BR or IVA
Hi everyone, A frequent lurker on the board, but now I really need some advice... My wife, our 1 year old (and another one due in November) live in a co-ownership house. We bought a few years ago in the housing peak so are in negative equity. We have managed to rack up about £15000 in debt and my wife now has no income…
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Dilema, BR or DMP
I can't decide what to do! After a meeting with CCCS re £15k debts their advice is either to start a low cost DMP deviding a monthly payment of £25 to each of my 5 creditors, they reckon this is all I have left over after living expenses and that this is a short term solution until my financial situation improves. They…
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Cap Quest Horror
Hello, I hope somebody out there can please help me. I'm a first-time poster! I was declared bankrupt in 2007 and discharged from bankruptcy in 2008. I today received several letters from Cap Quest, each pertaining to different accounts I once held with Abbey. In each case, Cap Quest said that Abbey had sold my account…
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Q about savings accounts post discharge
Hi there, Well, been discharged for 3 months now, and going through my file cleaning it up. I opted for a new savings account with IF, but my question is if i owed money to say Halifax before bankruptcy, would they try take my money if they were linked? Regards
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Blackpool OR and Beneficial Interest
Hi, Reading on here tonight, another poster says it depends upon the OR whether or not you can buy back the BI yourself or whether a friend/family member buys it on your behalf. Does anyone know if this is the case with the Blackpool OR? Thanks, Poodle
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My reason for bankrutpcy
Hi I would appreciate any feedback on what I have written so far if that's ok. Thank you in advance. After the break-up of my marriage in <year> I moved from <name of county to <different county> for support from my family. Not long after this I suffered with a mental health condition and became very depressed and my…
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We did it!
Firstly a big thank you to everyone who gave advice to help make our br day easier. me officially br at 11.40 & oh 11.44 this morning. :jFirst creditor call @ 12.30 great telling them the news - woman on the phone didn't really know what to say.:rotfl: Just the or interview to get through. Had a quick chat with them this…
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HELP ADVICE selfemployed and bankrupted
can any one advice me please, ive tryed for years to clear my debts,then the credit crunch has done me ,i cant do it any more ,work is slack, im selfemployed, and ive wrote to all whom i owe to asking to either hold on or take smaller payments, and yes not one would accept , i even sent them a financial sheet of all my in…
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Post BR Savings Account
Much to my amazement and despite several rereadings, my IPA, which arrived on Saturday, leaves me with a sizeable chunk of money after all bills and living expenses have been taken care of. I'm thinking of trying to put it into a savings account to earn at least a little bit of money and wondered if anyone had any…
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Can you look at my SOA and tell me what you think?
This is our first attempt at filling in SOA for BR. As it's my partner who is going BR do I need to declare my car? Do we need to pay court costs with cash or can we pay on one of his credit cards? Maintenance from my ex is still unresolved and if he does pay it's not a regular dependable thing, so do I put anything?…
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Newbie would greatly appreciate your help...!
Hi All, I’m a new poster here and want to get everything off my chest! I’ve been reading up quite a bit about how everyone is getting on and am inspired by the feeling of community on these boards. I think I’ll need a dose of that too! I’d like advice on what you all would do in my situation please. I’m in debt to the…
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Keep putting it off
I am halfway through filling in the forms for BR online - done all the easy bits and am putting off and putting off the hard questions - like what are your debts and how did you get into this mess. I have a list of creditors online with Payplan but i have no idea of the timeline etc or why we took out what credit when -…
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Getting somewhere...I hope
Well Have managed to scrape together BR fees, have had Breach notice from CCCSVA re IVA and have replied to that confirming my wish to terminate IVA...reason being change in circumstances leave payments unsustainable. Aptly now CCSVA will notify creditors, call a meeting asking creditors weher the arranement should be…
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Co-op - wish me luck!!
We applied for a Co-op cash minder account in December and got turned down flat!! no idea why as we dont have any accounts with them or anything. So, Been over six months and we are getting close to our BR so just reapplied for it, its been referred and i have to call back at the end of the week!! fingers crossed!!!
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court tomorrow
hi my hubby is at court 2moro and just wanted to check with anyone who has already been, on what he has to take with him ???? 1. Paperwork 2. Fee anything else ?????? Thanks
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am i on the right track? and any further advice?
hi all. im at the start of considering what to do about my £23,000 of debt. Basic info - I have no assests and have been dealing with payplan ( at the point of letters have been sent to me to send onto creditors and i've just opened a new bank account). Ive been reading on here that maybe my best option is Bankruptcy to…
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What shall I do
Hey all need some advice, I am new to the site. . The situation as it stands in total I have 26 k worth of debt all with Hsbc in terms of loan credit card and overdraft.I have pone or two smaller debts of cpl hundred,but they will soon be cleared. I am paid a about 1200 a month,but I am constantly living in my…
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court date and neg equity
I havent filled out my BR forms fully yet can I call the courts to get a date before I have them completed? Also just had my house valued by an estate agent to get an idea of what to put on the form, and it looks like we are around 20,000 in negative equity, we can afford the mortgage and would love to keep our house which…
