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BR tomorrow - CO-OP account
As title says, I am in tomorrow for my Bankruptcy hearing, over the past few months I have moved everything over to my co-op cashminder account in preperation (some people say do this before, some after). My rent and priority bills are all set up on DD from this account and some are due in the next few days. Question is,…
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TotalDespairs Last Questions Hopefully
Morning all Last question hopefully before posting SOA. The chances or redundancies at OHs place look like increasing, they are showing another area office how to do there job today and they have been told that there office will be incorporated into another form of work ( Im thinking do they think there stupid) also OHs…
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Incapacity Benefit & DLA
Hi, Just wondering if anyone can help. I am currently on Incapacity Benefit and Disability LIving Allowance. My husband and I are due to go bankrupt within the next week or so. I use 240 of my DLA for a car obviously becauise I am ill I need a car..Do you know what will be classed as income and added to my husband's…
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Question about house value
Hi, First just wanted to say what a great board this is - I've been reading it for hours, and there's an amazing amount of help. I am in the unfortunate position where I need to consider bankruptcy. My partner and I jointly own a house worth approx. £280k with outstanding mortgage of £293k. My partner's finances are fine…
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BR and benefit overpayment
Hi everyone, its me again;) Does benefit overpayments get included in your BR? Have CAB meeting on Friday to start getting process in motion:eek: Know its for the best but really scared OR will say well you could have done better etc... Not been posting for couple of weeks just lurking, hope evryone is keeping well xx
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What is the allowance?
Hi sorry if this has been asked before new to here! Rec by a friend who said it was the best place he had visited. My wife and I are considering Bankruptcy but concerned about the amount we are allowed. We how £60k on CC loan and over4 drafts, Came about over bad business decision and been paying for a number of years but…
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Time drags
Time drags when waiting shame you cant g up the OR's :D
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moving house and utilities
Hiya Br: 3/3/09, waiting on possible early discharge that could come any day now. Moving house next weds, obviously new property will have different suppliers for gas and electric, both metered to the best of my knowledge. 1: how difficult will the companies be when they set up my account? 2: will companies even let me…
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Our Plan
Ok, we thought it would be easier to write all this down, and as I have been on here so much over the past week or so I thought it would be best to see if you think we have missed anything. Here's the order in which we are going to do things over the next few weeks; Sell our £5k car as advised by CCCS, purchasing one under…
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Got my BR date booked
for Oct 13th at sheffield...am very nervous...she told me not to sign the paperwork till i am there, i think or was it on the day before i go...i'll leave it till i'm there...no need to take anything other than one copy of forms and the fee, anyone else booking for sheff soon
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Lawyer fees??
I have an appt tomorrow to meet with the lawyer to get the ball rolling on claiming bankruptcy. I would like to get a ball park with how much people are paying. He asked for $600 up front which of course I don't have! I am scared and any guidance will help. Thanks.
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SOA and question re; car expenses
Hello again Sorry for bombarding with yet more questions!! The family car is in my name and is essential for my work. I am therefore going to put petrol/motor expenses etc etc on my SOA. My husband is also going bankrupt but the car is not in his name and he has the use of a works vehicle with a fuel card so doesn't even…
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CCCS say CT arrears may not go into BR
Hi all I just had my CCCS interview and got some confusing info. I'm up to date on this year's Council Tax, but in arrears for previous years (currently paying £400 into the arrears, independent of the 2009/0 monthly payments). The CCCS counsellor I spoke to said that CT is a difficult one and whether the arrears amount…
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Official Receiver and outgoings
Hi Can anyone tell me if the official receiver wants proof of outgoings such as Hair dressers, kids music lessons,clubs etc as these are things we never bother to get,just pay the fee and go. I can get them from now on but over the past months I have no chance! Anyone have any suggestions , ideas etc? Would be much…
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Voluntary Surrender - advice
Hi, So this my first post and I apologise that its a long one but after reading the forum for a while you seem like a tolerant bunch. Basically the situation is that after a few years of bad decisions and silly mistakes I have found myself at a point where I am having to say enough is enough with regards my debts and begin…
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Complicated tax and BR question!
Right here goes, I've been asking quite a few questions on this forum and thank you so much everyone for your replies, I'm on the verge of applying for BR after many years of stress, burying my head in sand, and I really want to turn over a new leaf. Most of my questions have been answered but here's one I have been trying…
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Money lost Gambling question.
Hi I am wondering what to put down on the forms for this question. Have you lost any money through betting/gambimg in the last 2 years / I have not got myself into debt with gambling. I have only used money when I had some extra to trade on Betfair. Over the last 2 years I have made £300 profit trading on Betfair, but this…
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Where to go from here?
Hi there Just had this dropped on me yesterday. My son has had his house repossessed. Apparently he had an arrangement with his lender for an interest only option from some time back to allow him to sell the house, just when the bottom dropped out of the housing market. He would have had to sell the house for considerably…
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Defaults on File - Advise Please
Hi, New to the forum and just hoping to get some advice on my situation. Currently I have a number of defaults on file totalling approx 50k. I have being making payments through payplan for about 4.5 years now. I have some money coming to me in the next year which will either be enough to pay off in full or certainly make…
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Insurance and Standing Orders
My lovely new bank account doesn't do direct debits (great huh!) and as a result both my car insurance and pet insurance have been cancelled as neither company offers standing order as a payment option. So now I'm sat at work somewhat stuck unless I take the risk of driving an uninsured car home!! Does anybody know of any…
