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Going stay with parents?
Ok, so we've kind of had another spanner thrown in the works with a very kind offer from my parents that we could go and live with them for a few months. This is going to be very long so apologies in advance! Basically we currently live in a mortgaged house which is currently in negative equity to the tune of £25k. The…
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OR Interview tomorrow
Hi I have my OR Interview tomorrow and I am a worried because he hasn't asked for any bank statements or payslips, Is this normal or is there some other reason as to why they would not want these. I have not had any new credit for over three years I was in an IVA for two and a half years prior to me going BR and before…
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Some Help about the Ex
If my Ex is declared bankrupt by the Taxman..... what happens to our house. He left the house and has not lived there for nearly two years and he has not paid a penny since he left. Will I have to sell the house? or can I get some one to buy his equity (not me as you know I am struggling myself on the brink of BR?) I was…
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Stock
I ran a very small ebay business which I closed retiring, and generally disenchanted when I went BR.Wasn't covering all the outgoings which were horrendous. But my perspective has changed and 30 quid a month profit would help the fuel bills. Today I heard from the Insolvency with a sort of final thing showing they were…
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Sequestration.
Hi there, i'm from Scotland and i was sequestrated in April 2006 and this has now been closed off. However it seems that this hasn't yet had any notices sent to the Edinburgh Gaztte and also my credit report still has this open. Am i missing something here or should this now have closed date? Also what's the best way of…
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Credit after bankruptcy
Hi, my friend has been bankrupt for just over 3 years and has no credit, overdraft etc since. The bankruptcy came through a business she owned. She is now back on her feet and would like to apply for a credit card (with a small limit) partly for emergencies and to help build her credit score back up. Unfortunately most…
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had o.r.interview
hi peeps o.r.was quite human made a joke about his age ,as in been only young (26)spoke to col first went through assets,what loans an c.c. we had.only really interested in the bigger c.c.spending which was 8ooo on one card in cols name.we said we had spent on holiday an just general living.wasnt interested in the small…
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help! court papers!
hi can anyone help or advise please i have received court papers served on myself this morning in relation to secured loan on my house GE Money ... what do i do? house is up for sale and should hear today whether an investor is buying it or not. i will be going bankrupt even if house does sell as i will still owe 23k. what…
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Reposession Hearing - post BR - advice please!
Hi everyone, After receiving loads of wonderful advice on here during the build up to my BR, I was hoping I could ask for some more!! :j I stopped paying my mortgage and secured loan in March, moved into rented accommodation in May, went BR in June and have been patiently waiting for my house to be repossessed (mortgage…
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Please help me with my vol. repo. letter, thanks
Northern Rock gave us a list of requirements to hand our house back without signing liability form - bearing in mind my new found 'I will fight those in the know, I am in charge and will provide what I see fit, no one tells me what to do!' attitude :beer: I don't see why I have to provide some things what they require.…
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a question about statutory report ?
I have just received 2 stat report out of 3 , equifax and call credit. however i am surprised as it doesn't any default, no mention of bankruptcy either at all . dso my credit reprot is completely blank. just a link adress and that 's it . is this normal ?
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How long til repossession process starts?
I am just about to miss my first mortgage payment - just wondered how long they chase/give you alternative plans etc before they start the legal repossession process?
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filling forms - creditors
In the process of finalising my forms for Wednesday, but I have a question I could really do with some help on. Over the past 5 years I have been getting a call every 6 to 8 weeks from the infamous 'Buchanan Clark and Wells' chasing me for council tax from 1998/99 from when I lived in Scotland, I started telling them when…
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How long for bankruptcy fees collection!
Hello, How long did it take people to save their fees? I decided to go bankrupt in June when I was made redundant and started to save then, I got a temp job for 3 months which end this week and I habe only earned £600/£750/950 and I get paid again Friday not sure how much yet, but I have DD BILLS of £750 a month and cannot…
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Ok, here's the thing...........
My Father in Law paid for my 'run around' car when mine blew up and I couldn't afford the repair bill. (I've been through this on a previous post, so I won't bore you with the details). The examiner from the OR says he's not interested in it as it's my father in law's BUT I presume they'll check the facts? Although my…
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Should I sign and send them driving licence copies?
So we;ve refused to sign Northern Rock's liability for shortfall with vol. repo. and decided to just sit it out. They have had a U-turn, contacted us and said we can go ahead with vol repo with a covering letter but we must: 1) provide our new address 2) sign the letter and provide a copy of our driving licence to verify.…
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Where do people get there SOA info?
Forgive me if it's very obvious, but where does everyone get the SOA that is posted in the forum? I've completed my forms on-line on the insolvency site and it doesn't look anything like what people have posted on here. Also, is there a guide to what I can claim for things?
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Copy of bankruptcy
Hi all Hope someone can help me with a couple of queries around bankruptcy. Approx 19 years ago a my father in law declared himself bankrupt. Whilst this was a long time ago, we recently became aware that he is being chased up fro a debt by one of the high street banks.This debt was there before the bankruptcy order was…
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Natwest increased my overdraft 2 weeks before BR
As it states in the thread title really. Spoke to Natwest tonight who increased my overdraft limit to cover the loan payment I missed last month plus all charges (approx £312) due this month. I was completely honest with them and told them I was making myself BR on 07/10/09, but they suggested this was the best course of…
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Lease Car while BR
I have just discovered that my company offers a lease car scheme and wondered where I stand while I am BR. The scheme is operated by my employer, who would then deduct a monthly amount from my salary. Financially, the annual cost would be little more than my current expenses for operating a ten year old car and that is…
