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I now have my date - SOA added to original post....
Hi, I'm a new poster but have been reading the forum for a while now as I've been trying to decide what to do to sort out an increasingly difficult situation. I'm almost convinced that BR is the best route for me, and have prepared but not submitted the petition and SoA online (and opened a Co-op account), but have a few…
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Scottish BR and debt repayment plan help
(Scottish) Me and my OH were considering BR , went to see the CAB today for debt advice, we were told that BR is the last thing to do, can't do LILA as we have a mortgage with £20k equity, even though wage is under the LILA limit. Told we can't go BR unless we have a creditor concurrence or a charge for payment to make us…
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Can I defend Charging Order?
Please can someone tell me if I stand a chance to defend my case in court if a creditor has taken me to court to apply for a charging order to my property? I have made them an offer to cancel my critical illness policy and pay them the premium instead and with a 6 months review as I am expecting a pay rise in Feb 2010 but…
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Debt collection agency after bankruptcy
Hi, My son went bankrupt after splitting up with his partner. However there was a £2,000 debt with Nat West in a joint account which the bank sold to a debt collection agency who said his partner was liable for. He agreed to pay it in small instalments.The first company sold it on and he continued to pay the second…
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Debts in maiden and married names?
Will it cause major problems when going BR that some of my creditors still have me listed using my maiden name? Whilst others are in my married name. I wasn't trying to do anything dodgy just didn't ever get round to changing things. Will the OR think bad of this? Thanks, Stressed
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Contract mobile phone and BR
Hi Me again, just wondering what happens with contract mobile phones when you go BR. I am on a contract until next april which costs £30 a month (usually pay around £35 a month with all calls). Can I get out of the contract when made BR and go on pay as you go ? Does the OR generally suggest this for non buisiness users ?…
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Credit report after Bankruptcy..
Hey everyone.. I've not been on here a while and couldn't remember my username! Anyhow, I was made bankrupt nearly 2 yrs ago now.. and today I have built up the courage to look at my Experian Credit Report. Apologies in advance if I am posting in the wrong place! Right, most of my files say 'satisfactory' - which I'm…
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Complicated Situation after discharge
I have a complicated situation. I was discharged earlier this year from Bankruptcy. Before, during, and just after the bankruptcy I was in full time employment. I also had (and still do) a Post Office Lifestyle Protection Policy which pays up in the event of unemployment. The amount it pays out is £1500 per month. I was…
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Advantages/Disadvantages of adding BG debt to BR
Hi I have a debt of about £300-£350 to british gas for our electricity. They are are current supplier. This should come down slightly during these warmer months with my £90 monthly DD to them but I am not sure whether to add the debt to my BR. I have heard that if you go on a meter it is more expensive, is this true ? Will…
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Your advice please
Hi folks, I have a business, a limited company with a £5k overdraft which is up to its limit and I owe about £2k in business debts. I have subsidised my lack of income from the business and a failed business venture with credit cards and a personal overdraft. So I have credit card debts of £19k and a personal overdraft of…
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Including car expenses on SOA
Hi folks, I recieved my IPOQ today for potential early discharge from BR. I was wondering if i could include on my SOA the costs of using my parents car? I seem to recall that when i went BR i was asked if i had use of a vehicle even if it was not my own. I did not, however my circumstances have now changed and my parents…
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Co-operative Bank Account
Am I right in saying that if I……”chough, chough”....... lost my cash card (Visa Electron), I would be issued with a replacement Visa debit card? :confused:
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meeting at OR office 3-4 hour interview!!!
Hi all, Well i was made bankrupt on monday and ive had lots of forms to fill in and loads of leaflets for advice but now i have to have a 3-4 hour meeting at the OR's office next week! :eek:Is this normal? ive only been hearing of people having interviews by phone for an hour.Now im worried. Spike
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Can you check this letter to mortgage company please?
I have just spoken to someone from Natwest about my mortgage and returning the keys for Vol repo. I was advised to return them with written confirmation but I'm a bit concerned that I end up signing something that can be used to try to get me to pick the debt back up after BR. Can you cast your eyes over this and see if it…
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Can you check my SoA please.
2 adults and 2 children in home (nearly 3 and 16 months) Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1100 Partners monthly income after tax....... 929 Benefits................................ 0 Other income............................ 0 Total monthly…
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advice needed please
i will be going bankrupt in a few weeks and am struggling with the forms and other bits first question is ive not managed to get hold of cab about going bankrupt and have read that i need to speak to them before i do it or the judge?? wont declare me bankrupt ive started filling out the forms on the internet but it doesnt…
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Household Expenditure Spreadsheet Updated
For what it is worth, as not much change, not impressed:rolleyes: http://www.insolvency.gov.uk/DocumentLibrary/Policy/Excel/Household%20Expenditur.xls Copy of old version here
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interview tues
hi peeps the o.r.rang us saying he needs to interview us on the phone,on tues morning,this doesnt give us much time to send back info as we havnt even received the welcome pack yet...anyway spaeaking to col first then me......its when he sees the amount 1500 gone out of my account for the money i owed my friend in feb.of…
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Managing financially through bankruptcy - talk me through it please
If, as I suspect, all advice comes round to going bankrupt, I just worry what will happen on a day to day basis, particularly regarding my benefits and accounts. Currently, I get Housing Benefit which is paid into a 20 plus year old Nationwide account which for some reason, does not have my correct date of birth on the…
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post bankuprutcy threatogram ?
Iam popst bankuptcy and in the process of cleaning my credit files . i just received a letter from altiv capital the letter goes a follow " we have an account for mr fatou. the account relates to an outsanding balance with GE Capital global consumer finance ltd ( i have never heard of them ) . the amount owed is of £…
