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Early Discharge
Hi I've just checked my details on the insolvency service website and found out that I received early discharge from my BR on 25th September 09 (I was declared BR on 25th March 09). The case summary page for me still says 'bankrupt', but actually opening up my case brings up all the details and this is where it says about…
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Debts passed onto debt collection agencies after BR
One of my creditors was Halifax, who I informed when I went BR - to stop them calling mainly (in fact OR assistant suggested I photocopy first page of BR forms and sent it to creditors, because Insolvancy service is taking around 8 weeks to contact creditors). However they keep sending threatening letters demading payment,…
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HELP,2nd interview with OR after 8 months bankruptcy
Hi, After 8 months of bankruptcy, An OR investigator is asking for another interview. Why is this? I had gambling debts which I declared and my money management was very poor in the last few months(aquired credit cards and loans to live off of but spent quite a bit on a girlfriend(who left me in the end coz of no money)…
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What happens to the beneficial interest?
Hi, I've been searching the web and can't seem to find the answer: (My husband and I own our house, which is currently in negative equity, I have gone bankrupt but my husband hasn't) If my Mum was to buy my beneficial interest in our house, what would happen to it? For example, if we sold it in 10 years time, would the…
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I might get caned for saying this but.....
I'm sooooooo freaking bored of bankruptcy! There. I've said it. Man alive, doesn't it just consume every thought and feeling you have when you are going through it? It's a serious matter. And sometimes it's so intense it just makes me wanna scream with exasperation! I dream about it, I think of it when I'm in the bath,…
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Anyone been BR at Medway Court in Chatham Kent????
Hi all, Am going BR on Friday with my husband at Medway Court. We have been told to get there before 9 an it is a first come first serve basis...... am very very nervous. This site has been invaluable to me this week, most people seem to have had as positive an experience as possible where this awful process is concerned,…
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Credit Clean up Ge consumer home lending
Anyone got any tips for getting this company to change the infomation they submit to the credit reference agengies there my last one but they wont seem to budge supplied them with my bankruptcy notice and the discharge paper work however they maintain that i owe them the shortfall from the house they repossed the property…
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Going Bankrupt in 8 weeks
Firstly, Hello I have been reading these forums for sometime now, in fact had it not been for this forum I would never have known about Payplan so thanks for that. Now onto the point, My wife and I are in combined debt of around £62000. we are currently on a DMP which at the current rate will take us 31 years to pay off.…
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Business miles
I can claim business milage allowance through my job which works out about £100 a month. I have 3 months claims to submit but go to court on the 12th (BR) and if i submit them now would go into Octobers pay. Can the OR take this money? Its money ive spent already and really need back. I havent entered this on my statement…
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Co Op Cashminder
Hi folks Getting a bit panicky now again, was approved over the phone for a cashminder account a week yesterday. The very cheerful lady congratulated me then said I would receive the welcome pack and just needed to send in a proof of address, a bill or bank statement. Heard nothing since... Any of your pearls of wisdom…
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Council Tax and Rent Arrears in BR
Hi Guy's, Gal's :beer: I'm already BR but ask this on behalf of someone. She is thinking about going BR. Questions being 1. Does Council Tax debt come under BR and get wiped out like other debts or is this different because it's a "priority debt"? 2. In relation to the above, does it make any difference with the Council…
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Help..... Ready for giving up
i have been renting a property since 6 march 09. I went BR 24 july 09. The prpoerty served it purpose at the time however I am now getting in the red with my gas supplier and with winter coming I am getting very axious about heating the place. I have been looking at other properties but due to the BR i am unable to be…
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Dilema
Really down and depressed and dont know what to do. Im in a very difficult situation. Im 26 and I have been in spiraling debt for about 6 years now with things such as loans and credit cards etc. I have spoken to many debt councilling agencies and sought their advice and it usually comes back that bankruptcy is my best…
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someone has declared my company bankrupt!
OK, this just get better and better!! Yesterday I came on here cos my little business is struggling with high debts and I was so stressed out. Some lovely people pointed me in the direction of business debt line who were wonderfully and are going to help me with dept managment. One of the things they advised I do is open a…
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Silly Question?
Hi, I'm new on here but have been reading the board for some time. It's been awful but I decided, after advice, to go BR. I'm going to court Friday but I'm having problems with the forms. One question that has me stumped is - When did you obtain this credit card? It's been years, I can't remember. I've been filling the…
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Some Questions on a very "down" day
I'm having one of those days today, had some contact with the ex so maybe that explains the downer...... Just a couple of questions, when I went to see the CAB the lady I saw said she could write to my creditors and offer them a payment and for me to stop paying the bills. To date I am not behind on any of my bills,…
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issue with experian ?
i have asked a copy of my statutory report form experian back in august anyway they are refusing to send out my credit report wait for it because i have used a non UK ID card .... i do not have a british passport or british birth certificate ! trukly unbelievable ...
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Please Help with Bank Accounts
Hi can anyone give me some advice? I've been trying to get a Bank Account and have been refused both times ?? I went Bankrupt over 2 years ago and was discharged in july 2008. I have split with my partner who also went bankrupt and now find myself in an almost impossible position as I cant have DD taken from an account and…
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House Move Date/BR Date
As I'm sure some of you know myself and OH have our BR appointment booked for 27th October. We're still in the process of moving out of our mortgaged home into rented accomodation and after 3 properties falling through because of the credit check and us only being able to get 2 gurantors, we've now found a property which…
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Another hurdle!
Hi all So, we've sold our car and have enough for the BR fees and after taxing the new one, have some left over to give to the OR. Just about to start transfering DD's over to the cashminder account to get this up and running when our caseworker from the CAB tells us that in all probability the OR would sit on the house…
