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Ipa
Just been reading on this, as it is something we will have to deal with in due course. My OH went BR last Thursday, I am planing to go BR in September, as soon as I gather the fees. The question I have is , as our house is eventually going to get reppo'd, and our council is not very hopeful of getting us a place, we will…
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SOA allowances
Hi, I notice people keep referring to maximum allowances on your SOA. Where can I find this list, to check that I'm not over the maximum allowed for any given item? Many thanks :o
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26 yr Old Single Lad just Bankrupt (panic stations or Not?!_
Hello All. I am just a new guy on the scene of being bankrupt. I encured debts of about £35k afer a long distance relationship. I currently live with parents, and this is the main reason why bankruptsy was the best option. I went to Sheffield Counrty court and everythign went as planned. I didnt even see a judge, because…
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I am responsible
Firstly I want to apologise for crashing the other thread AND the following is in no way negative, it is wholly positive and empowering when a person stops bothering with the blame game because it doesnt move you forward. I feel it is very important for people in the same financial situation I was /am in to realise certain…
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SOA and Car advice please
Hi Ok I was going to go BR 2 months ago. Went to CAB to help with all the papper work. Then got told I would be better off doing a DRO. As they Valued my car at under £1000 in poor condition (needs some engine work). So had an appointment a month later to sort the DRO. Well that meeting went well not. Iwill not go into all…
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The September 2009 Bankruptcy & DRO club!
:DHi everyone, welcome to the September 2009 :D :D Bankruptcy & Debt Relief Order Club. :D This club is for everyone who has gone through the process of Bankruptcy/Debt Relief Order during September 2009. So please feel free to join and post. Pop your name on here, the date that you went/are going Bankrupt/DRO and the…
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SOA - Final draft!
Is this OK now???? :confused: Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 499.85 Partners monthly income after tax....... 0 Benefits................................ 925.11 Other income............................ 0 Total monthly income....................…
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Tax Code and excess
Hi folks, Thanks for all previous invaluble help. Just finished a 3 day work trial and 98% certain (couple of formalaties) got the job, after 6 months on dole.Just wondered will I get a nil tax code and what happens do I need to tell employer am Bankrupt? went BK via the L.I.L.A in Scotland on 24/3/09 and not heard a bean…
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54 out of 65 said no!
54 insurance companies out of 65 said no to me having contents insurance because of bankruptcy. Most of the companies which said 'yey' came back with a very high premium for contents insurance. The company that seemed to be fair was esure. Anyone had any dealings with them?
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Any problems with the use of a car??
Hi all. Ive just been told that my dad might be getting me a car (prob worth around £1000 or so) to enable me to get to work much easier. Its a very nice thing for him to do considering my current situation. Can anybody tell me what the situation is with being insured to drive a car which isnt owned by myself?? Do I have…
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just been made bankrupt
Hi i was in business insNorthern Ireland Very recently i closed my 2 businesses and was declared bankrupt. I am seeking to hear from anyone who has shared a similar experience and perhaps has come back into busienss or is intending to do so? thanks Gary
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Just been made bankrupt!
Hi I am from the NorthWest area of NortherN Ireland and have just been self declared bankrupt. I owned 2 buisnesses in the property related game and closed them down and was advised to declare bankruptcy with unsecured debt of £25,000. My home and investment properties have all been repossessed and were in negative equity…
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Your thoughts on BCW
ARRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRR This company keeps constantly calling me and they really are getting on my /#' . Anyway, I went bankrupt in July 09 and they are chasing me for a debt i had with 02. I was just wondering if anyone else has had the joy of dealing with BCW. Lucky for me they have just understood that I am…
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CO-Operative Membership
Hi I have a problem what I hope someone maybe able to help me on. I am considering applying for Co-operative Membership where you become a shareholder in the company. The more you buy in the shores, the more points you get and this in turn equals to the amount of shares you have. However I went bankrupt in July and looking…
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Home Contents insurance..
Hello My friends, i have been plodding along with the bankrupt caper for a good while now, discharge due in oct! i have however, run into a small problem, aviva (used to be norwich direct) have sent me aletter saying basically, you need to pay your full years contents insurance upfront you dirty bankrupt swine! i called…
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Ipswich OR
Has anyone had any dealings with the Ipswich OR - are they nice?? :rotfl:
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In court on Wednesday....
Hi all, I due in court at 11am on Wednesday (to say I'm pooing myself is an understatement)!! I would be greateful if you would scan your "experienced" eyes over my causes for BR. I have completed the other 29 pages with the help of several people on here..... Reasons: I took out a Norther Rock loan in August 2007 for…
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BR information - paperwork??!!
Me again - does anyone know what I should do if I dont have all the paperwork asked for? I dont think I have all my bank statements, I can order them, but don't know how long they will take... and I definitely dont have a lot of my loan documentation from years ago since loans were included in IVA we have moved house, they…
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trust deed
Hi wonder if anyone can help me with this. I signed a trust deed in March this year and it was protected in May. I have been off work long term sick since April and may now be able to go back part time but do not think due to my health that I will be able to work full time. One of the options which may be open to me, as I…
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Returning Forms and Reasons for debts - Any advice?
It's me again, still in a panic with OR interview on 28th September. Can I ask if anyone can tell me how soon after receiving the forms the OR expects to receive them? I have had mine for about 5 days and it is taking me some time to collate all the info requested, to get hold of bank statements etc. Is it better to get it…
