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SOA and Reasons for bankruptcy, just got complicated, ned advice please
Hello all, been away for a while (fending off the creditors). As you gave me great advice before, I am back with some more questions. As you might remember, my OH went BR last month, and I was gonna follow as soon as I get the fees together. Well got the fees, also on JSA, and thought forms should be no problem, just copy…
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IPA and Early Discharge?
sorry if this question has been asked before...I'm still a BR tyro... BR 15/05 this year....I have an IPA [based on NT].....which has just been put in place, and have been told to continue paying, monthly, until the end of the current tax year [05/04/2010]. I have just returned my IPOQ for ED..... Questions are, am I right…
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EDREV Letter - Advice on SOA needed
Hi all Just an update, OH recieved an EDREV letter today thats 4 1/2 months since BR date (8th may) Could you please give me any thoughts on our SOA Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars…
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Army Pension - help please!
I have an Army pension worth about £580 ish which is due out in 2032, my question is will the OR take this away from me?? I do have another pension and not bothered about this one as it's Legal & General and worth £480 ish As they are both small amounts and not both not due til 2032 will the OR still be interested in…
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co op account
I opened up a basic cash minder account with the co op when I was made BR and everything is running smoothly ,I was just wondering if I am able to open up another basic account with them and use it to pay DD and SO orders from ? Has anyone had any experience of this:confused:
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not good
Learning the hard way. Deleated post
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RBS Mortgage - Watch out, they will do anything!
Went BR in Mar 09 - I want my house repo'd (moved into rented a few months ago) - stopped paying RBA mortgage in Feb 09 - 7 months in arrears now - sent them a letter a few months back saying Im BR, not in a position to pay arrears and wish them to proceed with repo. Never had reply. I switched to a Coop bank account last…
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The October 2009 Bankruptcy and DRO club!
Hi everyone, welcome to the October 2009 Bankruptcy & Debt Relief Order Club. This club is for everyone who has gone through the process of Bankruptcy/Debt Relief Order during October 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 stage that you are…
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Please can you advise with my 'Statement'
Hi I have just finished my reasons for BR statement. I think I may have waffled on a bit but am not very good at this sort of thing so don't really know how to shorten it and still contain the facts. I would be grateful if anyone could take the time to read it (I know it's long) and offer any advice as to whether it is too…
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IPA question
Can anyone tell me quickly (as I'm doing my soa AGAIN for Friday!) if you get an IPA what income/benefit is excluded from the calculations if any???? Thanks :T:confused:
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My SOA. Any advice please...
OK so i am petrified at the moment. I need to submit my IPOQ forms this week and am trying to put together an SOA. I dont want to miss anything so any input gratefully recieved. Thanks in advance!! I am a single adult with no dependants. How does this look? Rent....................................................390…
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About to be discharged from Bankruptcy, what to do next?
Hi, I am about to be discharged after a year of bankruptcy and really want to sort out my credit rating and a normal bank account asap, Ive been told the best way is to get a high apr credit card but im not sure if its better to do that and pay off the whole amount each month or to just make small payments. Ive been told…
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Early Discharge and IPA
Hi, I got a letter about early discharge at the beginning of the month and i sent back the form straight away. Today i have been told i will probably start a new job next week. If i do i will get an ipa when it could be so close to getting through without one. Over the 3 years it will cost me thousands of pounds. Is there…
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Student - Bank Account
Okay you may wonder why this in bankruptcy but before a becoming a student I was declared bankrupt. I am now in University and finding it really difficult managing on my Nationwide "cash card only" flex account. I have spoken to Nationwide to try and upgrade the account to one with a debit card but they have refused. I…
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could we keep our house?
Hi, i've been trying to learn as much as i can about BR before OH and myself decide to take the plunge. We want to keep the house and wondered if anyone could advise from experience whether this could be an option. We have a 100k mortg and about 36k secured loan against it after looking at zoopla our house would be valued…
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Partner on soa and co-op question
Hi! Having spoken to national debtline, I have decided that I am going to stop paying mortgage payments, opt for voluntary repossession, wait for the request for shortfall from bank and then go bankrupt. Been reading as much as I can to get things clear in my head before we take the first step of stopping mortgage…
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Trying to sell car.....
Hi all As some of you may know we've been trying to sell our car for ages to get fees for br, and to buy a car under the 2k threshold which is essential for my work. As a last resort today we took it to a fairly major dealer who have offered us £3.5k for it. It is only 3 and a half years old, and other cars of similar age…
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Anyone refused BR ?
Just wondering if anyone has been refused BR and if so what happens to the £360 OR fee you had to pay ? Thanks
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Officialy BR as of today...*sigh of relief*
Well after months soul searching and penny pinching and scrapping the money together I FINALLY went BR today! I was actually fairly surprised at how amicable the Clerk was and that I didn't have to go in to see the Judge. The hardest bit was once I had handed over the forms and fees...sitting about for 3 hours not knowing…
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Got a business account today!!
! I was declared bankrupt two years ago , discharged last year. I applied everywhere for a business bank account and got rejected by all of them. However this week, after being rejected for a normal busienss account with them, Natwest gave me a foundation account (basic business accouint) which includes a visa debit card…
