-
For all those who have managed to keep their house...
I was just looking for some stories about people who have managed to keep their homes after bankruptcy. It's the one thing that's holding me back, giving me the most sleepless nights IFKWIM. I have researched this issue loads and loads, the beneficial interest thing (£1 if in negative equity), spoke to the insolvency…
-
Confused - Help Needed!
Hi All, Just throwing this out there. I have just been on the phone to the CCCS. One of the advisors reviewed my case and said an IVA was more suitable. I asked why they suggested this rather than bankruptcy, and they said it is because the creditors would receive more money through an IVA rather than bankruptcy as it is a…
-
What Am I waiting For Next
Bankrupt 20/5/09 Phone Call 21/5/09 To say No Interview Letter June to say no IPA Letter Sept From Tax Office to say NIL Tax Code What should i expect next please
-
O r
Hi We are about to submit our forms to go BR, can anyone tell me does the Official Receiver call at your house to check what you have listed as assets etc is correct? I couldn't face that as the curtains would be twitching faster than a Rabbits nose if we had a visit from someone official like that. We have nothing of…
-
Talk about quick
I had phoned my local court a few weeks back to check on their procedures and they said they not that busy and that I would need 2 appointments with at least a week between them, first so they could go through the paperwork with me then a second for the actual hearing. So I have got my fees togather, rang them today to…
-
Letter from Official Receiver
My automatic discharge is on 4th December 2009, I received a letter from my official receiver saying he is now discharging himself from all of his duties as a trustee. I contacted the lady who did my examination last December and she informed me that it's nothing to worry about and will not change my discharge date. For…
-
In general how long does it take from handing in your petition?
Hello, I am very new to the in's and out's of bankruptcy so any advice on this would be hugely appreciated. I was wondering how long it takes from the moment of handing in your petition until you have a bankruptcy order? I'm guessing its probably different for everyone give or take a few weeks, but wondered if there was a…
-
Outgoings section on bankruptcy forms
Hi everyone I am filling out my bankruptcy forms and wondered if anyone would be kind enough to have a quick look at my outgoings, see of I'm on the right track! I am a student so I don't pay council tax or medical expenses. I have a housemate who is also a student so I have just halved the bills to show what I pay (I…
-
what a cafuffle
hi peeps i just wanted things in order,but noooo.the welcome pack for col came friday for phone interview tomorrow.so at the weekend we had our son witness the form that says you have understood everything..not been asked for any statements?posted it back still a bit late for o.r. to get this before tomorrow but....then…
-
Charging Order after BR
Went BR on 28th August - have sent my OR deails of the CCJ but today i have received a note saying they are applying for a charging order. I called to advise them of the BR and they hadn't been notified. Can you just reassure me that they won't be able to get a CO? Thank you!
-
Help - Capital One
Hi Everyone I am trying to find the letter to tell creditors to contact via mail rather than phone Capital One just called another branch of my company and got them to transfer to me My boss and everyone was standing in the office and I couldnt speak so hung up and guess what they called straight back. I'm horrified :( The…
-
Changing jobs
Do i have to inform the OR at RTLU that I looking at changing my job, or do I just tell them when I have done it.
-
Final SOA, Advice needed?
Hi Guys just completed my soa which i will be using for my BR on 25th Nov, Just wanted to check if all figures are correct and if i need to make any changes to it. BR will be for me only by the way. Household Information Number of adults in household........... 2 Number of children in household......... Number of cars…
-
Would BR be the right option for me and hubby?
We have been with the CCCS for two years attempting to pay back £48,000. At the moment we are paying £545 a month which if all goes to plan we would pay our debt of in the next 7 years. Anyway it all started when I accidently fell pregnant a few years ago and we realised we would not be able to afford the repayments on the…
-
Discharged and letting agent won't let to me
Hi all, I rented my current property before discharge with my husband (credit fine) and had to provide a guarantor for me, which we didn't object to. I was discharged in March 2008 and we are now looking to rent another property. The trouble is the letting agent says they don't let to people who have ever been bankrupt. Is…
-
Debts and moving away, help please?
My husband and I have been in a Debt Management Plan with BrightOak for around 18 months. We have £43000 of debt. We were initially making token payments, as I stopped work when our son was born, and mortgage payments were high. We have very little equity, or possibly negative equity. I am now earning a small amount of…
-
Applying for BR when claiming benefits (WTC and DLA)
Hello, I am new to this forum - sorry if this has already been asked. I am currently on a debt management plan but have been considering going bankrupt. I have spoken to debt line UK and they have explained you will need to complete a budget sheet (same as on a DMP) after everything is sorted with the courts. On my DMP I…
-
Everyone Tigerfeets Not Well Lets Wish Her A Speedy Recovery
Despite being under the weather and in bed with what sounds like a bad cold Tigerfeet is still on here helping us, come on folks, a quick hi and hugs is whats needed here for this wonderful lady thats been so helpful to me the past few days and also to you all no doubt So Tigerfeet lots of warmest hugs and wishes floating…
-
strange Letter
Just recieved a letter from a DCA that had purchased a debt in my name they purchased it from another DCA . The letter states the debt has now been sold back to 1st dca . Pesonally i dont care who got it been bankrupt 18 weeks
-
self employed - about to go bankrupt but more work came in...
I am about to go BR but a new job just came in which the person will give me 50% deposit. The job will be going on whilst BR is taking place! Will they freeze the money for the new job or what? Could I take the money out of the account, and or pay myself with it - in case they freeze it?
