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Round 2 - Date for 2nd OR interview....
As promised.....an update on my situation..... BR 20th July Brief interview with OR 22nd - to confirm a few details... Forms received on 24th July - TNIDIS, NTB2..... Letter just through the door, OR phone interview on Thursday 30th, 12.30pm, bank/card statements for the last 12 months, loan agreements, cards(cut) and…
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Update: ED and IPA.
Hi all, Just thought I would give you an update on my previous posts. I received an early discharge at the weekend with no reference to my IPA at all. IPA is currently on hold as my work contract is coming to an end. I sent a mail to the OR asking that when my circumstance change who should I get in touch with...…
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In a pickle
Hi to all, I have been lurking around the forum for a while, drumming up the courage to write something, I have a rather complicated problem and am interested in any advice. I suffer from manic depression, and for the past year have been advised to stop work, the problem, I am self employed so I can not, I work in the…
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Back to the CCJ?
I posted a couple of days ago regarding a 100% IVA that HMRC were determined to turn down. Prior to the IVA I was paying a CCJ that HMRC had slapped on me. Obviously I stopped paying the CCJ so as to not give preference to any particular creditor during the IVA process. Assuming my MP can't help me with the crazy situation…
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IPA's
Hi Martin, i have been bankcrupt now for approx 3 years and been discharged for 2 1/2 years, i apparently signed a IPA for 36 months and had to pay £477 a month for 3-4 months as i wasnt paying my mortage and had surplus. i then moved in to rented accom 4 mths after my date of bankcruptcy with a rent of £500 a month, so…
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Mortgage & BR (Another question)
Ok, we currently have our house on the market for less than my OH owe's on the mortgage. My OH is definately looking to go down the BR route, but we've said we'll struggle through for 12 weeks (just put it on the market with a new agent, so 12 weeks minimum) however if the house hasn't sold within 12 weeks, then my OH is…
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CCJ Redetermination help
I have had the CCJ result through the post this morning, as I'm after delaying tactics (and I can't afford the monthly repayment they've set anyway) I'm going to reply and ask for a redetermination that was mentioned to me before in another post. My question is- do I need a form to accompany the letter to the court asking…
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Repossession: does the sale have to be completed before the bankruptcy expires?
Hi I’ve gone down the repossession route and have a question. My bankruptcy expires near the end of August (bar the IPA and BRU). I’m planning on having any shortfall owed to the mortgage company and second charge lender after the sale incorporated into my bankruptcy as a ‘provable debt’ and effectively written off.…
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How the mind works!!
Just thought I would share this rambling with you as I have had a bit of a lightbulb moment! Been reading this forum and looking at the posts about the pre-pay credit cards, each time I have looked, I have thought "I won't be getting one of those, look how much it costs each time you use it". Interesting though that I have…
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SOA Help Please
Hi, My husband is currently in an IVA and we are struggling to pay it. We feel that bankruptcy seems the only way to go. We have no assets or mortgage. Any help would be appreciated. Thanks. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children…
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Bankruptcy and house
Help please I have asked on here about IVA's but read on another post that some properties are protected if you declare yourself bankrupt. I thought that if you went BR, then you lost the lot. Can someone please explain please. Getting desperate Putty
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advice please guys ! I'm so so so confused
hi all After fighting on for the last 6 months or so with a DMP sorted out by PayPlan , who have been quite helpfull , my wife has just been made redundant so thats only my wage coming in and quite frankly we got NO CHANCE , Anyway, we are in debt to the tune of around £70K , our house is in negative equity , we are a…
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Keeping catalogue? Advise please?!
Hi to anyone who can please help, Planning on going br next month. I have a littlewoods and great universal catalogue but have managed to pay them off. They are listed at my parents address (just never got round to changing them to my current address) but I really need to keep them as it is the only way I can afford…
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Secured Loan advice needed!!
I have read somewhere on here that a secured loan cannot be included in bankruptcy?? Im totally confused can someone help!!!! Thanks xxx
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please help
hello i need some advice.im in £40,000 debt with 2 credit cards and a loan that i ran up years ago now,i havent used any credit for 2 years or more now. I am a single mum of 2 a 2 year old and 1 year old and i am on benifits at the moment. i want to go back to work but when i went to the job center they said i will be £20…
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can they so ur not going bankrupt?
Im asking this as im in this bother due to overspending for 5 years? Can they say no thats totally unreasonal that u bought say too many toys and clothes etc? Isnt that what the interview is for? This is the bit that worries me the most
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charging orders??
does anyone know much about these... for example i am unemployed with a house in neg -equity have 2 children + married and owe lots on credit cards over 25k. debts are from cost of living no luxuries.. would the judge put a charging order from all 4 credit cards if i went bankrupt or would he just impose a portion of the…
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RBS/Nwest -anyone opened one post bankruptcy
I am interested in the policy of the two banks above, I know they are the same group. The other night I thought I would apply for the Key account with RBS. My brief history I am now over 5 years discharged and a few months to go before the BK drops off my files. I have had an account with Yorkshire Bank, a readycash…
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Items from catalogue and BR
What is the position on items ordered from a catalogue that we were paying for? Will they ask for it back now that we are BR? It cost about £265 and we had paid £42 of it. It was to be paid for over months interest free. I listed them as a creditor on the BR forms. Thank you A x
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Mortgage & Secured Loan
Hi, My husband and I went Bankrupt on 2nd July, we are in negative equity and hoping to buy back the BI in our home. We haven't informed either the mortgage or the secured loan company of our bankruptcy as we are up to date with payments for both and have got enough money to keep uptodate in future. Should we have told…
