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omg ive got a date
just phone the courts to ask about a date to bring my forms in and she said 7th oct :eek: to scared to ask her whats going to happen on the day so could anyone tell me please thanks
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What to do?
Hi all, I am relatively new on here and would like some advice/suggestions please. Briefly, my partner and I are in a sticky wicket, have been in an IVA since August last year, had a reduction in monthly payment 5 months ago as we were struggling to pay the full amount. When we negotiated the reduction, our IP told us if…
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When is the earliest an account can be frozen
Hi Just wondering when is the earliest a bank account could be frozen. In the court I am going to use for my BR you have to take your forms in and pay the money/swear to affidavit. They then book you in for the next available monday or wednesday that the judge will be able to hear your case. I have problems getting short…
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I am BR
hello every one!!! i did today i went in to the courts and seen the br Clarke and went over the forms with her and paid the fee and then had a short chat on the phone with the OR its ws all very easy and the clarke was really nice and even commented that is is really bad that bank are happy to hand out mortgage but as soon…
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Can't get a debit card - help please!
Hi All Am posting this on behalf of my partner so apologies if I don't have all of the precise details to hand. He went down the course of bankruptcy a few years ago now and should be discharged now. We got hold of his Experian file a few months back and there a couple of items on there still that could be causing problems…
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My BR Story
Hi Everyone, Please can I start by saying thank you very much to everyone on this board. Your threads have been informative, non judgemental, and have helped myself and OH through a very stressful and heart wrenching time in our lives. My OH and I started a DMP in November 2007. Prior to this we had no problems with money.…
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Letter from OR Office (RTLU)
Hi can anybody advise, my OH has rec'd a letter today from OR office saying his BR file will be transferred to the RTLU. who will deal with any assets in his estate and payments to be made to creditors. He has no assets. What does this letter mean? Thank you in advance peeps
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Voluntary Re-possession-Any Advice?
Any help or thoughts on this much appreciated. My OH went bankrupt 2 years ago. We have some equity (about £30k) in our property. The trustee is taking possession procedings against us. We have now finally come to ther conclusion that we can't raise enough money for me to buy out the BI so have decided not to contest the…
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early discharge questionnaire
Hi Yesterday I received an early discharge questionnaire from my OR. I was declared BR in early June. I rang the OR over another query and whilst on the phone I asked what the chances of me receiving ED were and they said that as I had received the questionnaire I would definately get ED unless my creditors objected and…
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Should we open a bank account now?
Hi After reading thse threads should we open a bank acc with co op before going BR? If so do we stop paying all our creditors and set up new DD,s in these accounts? Do we get our wages paid into then also 6 mths before we go BR? We want to keep our house. Thanks ur all so good on here :T
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Well this year is going to be a birthday to remember
I've just rang my local court up and made my appointment. The first available appointment they've got is Tuesday 27th October @ 9:30am which is also my birthday so it's definitely going to be one to remember this year :rotfl:
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Will Co-Op tell my old bank about BR????
Me again... Am about to try to open a cashminder account. Will they inform Nat West that I have gone BR? I havent told NW yet, they will know when the OR writes to them no doubt but I dont want them to know before then! (I assume I should tell Co Op that I am BR???)
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Another Co Op Question
The other half tried to open a co op account and has been told that his application has been sent for approval. The bloke on the phone said this was very unusual. Is this normal? After hearing this, he tried to open an account with Barclays but they wouldn't entertain the idea as one of his unpaid depbts is with Barclays.…
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Form 6.28 help needed.
I know i've asked a version of this question before but I'm still very very confused. Let me explain; - I am going Bankrupt but my Husband is not. We have a joint tenancy. Say for arguments sake our rent is 400 pounds and we both pay half ( i.e. 200 pounds) do I put the total rent or just my half on the statement of…
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Automatic Discharge
Hello all, I went BR a year ago today. I presume that i have been discharged today, however i haven't heard anything from the OR for quite some time.. I presume no news is good news. Is this correct.... If there was a problem then i would've heard from them right?
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OR Interview Monday - PLEASE PLEASE ADVISE ME!!!
Hi, folks Am filling in my forms (still!) for OR interview on Monday (the OR clerk said it was fine to take them with me to the meeting, so they have no info from me yet I was in an IVA for 2 years prior to BR, and I was certain that in my IVA paperwork there was all the details of my creditors and kind of assumed that in…
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this might be a silly question!
I am trying to explain to hubby the difference between bankrupt and undischarged br and discharged br ie the restrictions when you are br and i don't think i am telling it right is there anywhere i can go to get this information?? thanks :T
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BR - got my date!
Just rang my local court - have scheduled in my BR date for 9th November @ 9.15am. This is the earliest they could do - must be busy! Feel like I am one step closer now! :)
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Really upset, don't know what to think
My mortgaged home. Oh god i've just seen the same house in my estate, my old estate because we've moved into rented cheaper than my valuation. Ok i'm not making myself clear. My house we paid £111 000 for, mortgage was at £102 000on it when we went br last month. I had my house valued when we submitted our bankruptcy…
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Interview "done"
Hi all, well we had our interveiw with the or yesterday. i was on the phone for 30 mins & my wife 10 mins. got caught out on the sale of our last house on 2007 in the way of how much did we buy & sell etc we we couldnt remember the figues that well but got there. They done seem interested in our cars as one is on faiance,…
