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Bankrupt Housemate Advice
Hi, I happened to find out my housemate has just been declared bankrupt. He pays rent (just) with his benefits etc. Can someone explain how this may affect my credit. I want to buy a house when I move out in six months - will this damage me as well as him. We are on a joint tenancy but assuming that full rent will be paid…
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New to MSE forum, and going BR very soon :o(
Hi everyone I have a few questions that hopefully someone will be able to answer! Thanks in advance for reading and posting... My wife and I are about to declare bankruptcy as we have unsecured debts of about £30k and haven't been able to make a payment on our DMP (CCCS) for about the last 3 months. She has been signed off…
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Thinking about bankruptcy, advice needed please!
Hi! I bought a share in a shared ownership property about 1 1/2 years ago. The deeds etc are in my name, not my husbands. The monthly outgoings were just about manageable when I had 1 child and was working, but I am now on maternity leave with our 2nd child so my pay has dropped alot, and my husbands income has dropped…
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get married?
i've just come out of a trust deed an im keen to get married. if my partner applies for credit once we are married will my trust deed this show up?(he'd only apply in his name) or should we wait til i have a clean slate?
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Ed ipa ipaq
I have just read on another site that they have tightened up expenditure and you may end up with a IPA from IPAQ with regards to ED if you hadnt previously got a IPA. Anyone got wind of this
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Anyone Gone BR in London High Court?
Hi Folks I am wondering if anyone has gone BR in High Court in London? How did it go? Can you just turn up with your paperwork? I believe that as I live in London I have this option rather than using local High Court - can someone confirm this. Do I need permission from local court, or if it suits me better can I just make…
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Done at last ......
I was declared BR at 9.18am......I was actually in the loo at the time!! Didn't have to see judge. Clerk was lovely, just me and one other young lady there. Had to wait nearly 3/4 hour for phonecall from official recievers office.....now have to wait for pack and interview with dreaded official reciever....could be…
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Anyone gone BR at Southampton?
Hi All, Was just wondering if anybody had gone BR at Southampton recently and if so, was it ok? Have been told just to turn up after 1pm with the forms. Also, what is the general consensus on opening a Co Op account, should it wait until after BR or is it ok to do it beforehand? Cheers
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post man been no welcome pack
hi peeps expected the welcome pack today for our interview on tuesday morning at 9am.so what happens if we dont receive said package,an the o.r.doesnt have our statements in time to go through what we have spent an why.does he still conduct the interview,an if so does it mean we have to have another interview later on...we…
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This is not a good week
After feeling quite upbeat about the whole BR process the last week I've just felt like I'm heading into some kind of downward spiral with regards to my feelings and my self esteem? Did anybody else go through this? My partner is in the middle of buying a house which was meant to be 'our' house but I just don't feel like…
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Puzzling lump sum from Inland Rev
I wondered if anyone has had this happen to them....If you received a cash cheque that was dated for just the day before being discharged does this mean that OR will want some of it?
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Pregnancy & bankruptcy
I am 3 months pregnant and have 36k of debt in the form of credit card debt and a loan with my bank. My current salary allows me to pay the debts, a monthly amount of approx £700, and pay for my living expenses and leaves me with some disposable income. My maternity leave starts in March. My company's maternity pay is very…
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Council House and Bankruptcy
Hi everyone, Just a quick question or two if anybody could help me? I have a friend who has been advised to go bankrupt as she has had to have 4 months off work due to a slipped disc-she couldnt afford her loan repayments whilst out of work so went to the CAB who arranged for her to reduce the payments for 4 months-the…
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wages question
next week Im hoping to go BR but my wages are due to be paid into our bank account on the 26th what will happen and what do i , work say its too late to stop it for this month and i would not have any where to put it anyway
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9 hours !!!!!.....
....to go...court at 8.30am....and am shaking already!
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Thank you and file clean up
First of all i would like to say thank you to all of you who helped me with your reply post a year ago when i was filling for bankruptcy. Your help have been very much valuable.:beer: One year on and I have been discharged. :T As i came in to post my thank you thread i came across a link about file clean up. and i feel a…
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my soa
hi folks can you have a look at soa - any comments welcome thanks. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 0 Monthly Income Details Monthly income after…
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Waht is it like being BR?
Can anyone tell me what is it like being BR? Does friends leave you? Do they laugh at you? Does your employer penalize you? Does family members judge you? What is like? I am very nervous as I will be going BR on Monday 21 Sept 09. When will OR interview takes place after Court date? I am really anxious and have not sleep…
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Lease - is it an asset?
Can anyone tell me where should I enter the information of the lease that I hold in the SOA? It is not an asset but a liability, I think. I am not sure where to put it. Please advice.
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CCJ from Hell
I recently had a CCJ against me because i had given my dog to be looked after and went on holidays. I overstayed the holidays and the person looking after my dog sent my dog to a shelter to be put down despite me telling him, not to attempt it and corresponding with him regularly via email. On my return he demanded the…
