-
Morality Question (i s'pose)
Morning :) I'm looking for some sort of ideas about what to do regarding my current conundrum :o brief outline: My ex-husband has recently become bankrupt(july). We have a private agreement in relation to child maintenance . I was asked by him to write a letter to the OR confirming that the sum of XX was inded the amount i…
-
Which is the best Prepaid card? Your Opinions please.
Hello, bit of a discussion really so since OH has been refused by both Barlcays and Co-op, i guess our next option would be a pre paid card. I notice from a couple of eariler posts that there are quite a few out there, and i've gone cross-eyed looking at their individual websites. And now have a fuzzy head! :rotfl: But i…
-
Paypal prepaid card
OK so I received mine yesterday woohoo! Or so I thought until I read the info and it says I can't use it at fuel payment pumps.............is that right? Has anyone else tried? Only reason I got it was for that! doh
-
Has anyone had any success getting a basic buiness bank account.
Not sure what to do about this one?? Am currently unemployed and am thinking of setting up on my own as a sole trading electrician.Obviously I will need a buisness bank account. Has anybody managed to get a basic buisness account while being undischarged?? There must be some way round this problem?:confused: :confused:
-
Filling in Forms
Hi, Me and my husband both collected our forms today.As we are both going bankrupt do we put the same expenses on each form as obviously every cost is split between us or do we halve the amounts and put them on both forms?Please excuse us as we are new at this.Any other pointers for form filling would be great.
-
IPA/Automatic discharge/Inheritance question
This is just a hypothetical question at the moment. Say you had an IPA put in place for 36 months I take it that you still get AD 1 year after your BR hearing. If you were to get an inheritance after the AD but before the IPA ended would the OR have interest in it ? I was under the impression that all debts were written…
-
IPA- advice needed!
I received a letter from the OR a few weeks back which I had to complete and sign with my SOA, in order for me to have the possibility of an early discharge. I wasn't going to reply to it and just wait until I was automatically discharged (next April0, however after discussing with my friends and family I decided to go for…
-
OT but can a thread title be edited? Yes it can, thanks Fermi
Hi all, Nothing to do with BR, but I feel most at home here!! :D Can I edit the TITLE of a thread I start and if so, how do I do it? Thanks!! CG. x
-
Where do I start?
Hi there, I am new to here and really dont know where to start and not sure if I really want to! Basically I have been running my own small business for 3 years, however profits have been falling and now I am struggling. I owe a total of £23,000 in loans and cards for the business approx £9,000 of this is secured on my…
-
bankrupt - scotland
hi, myself and husband were made bankrupt in feb, the solicitors dealing advised they wanted £10k just after being declared bankrupt due to some equity in the house. We declined to pay that at that point as i had just began maternity leave and there was no way possible for us to pay this so requested we do this at a later…
-
Going Bankrupt
Hi....I'll keep this as short as possible... I am 25 and around £40k in debt!!! This started back from been 18 when I began working for a bank and slowly spiralled out of control over about 3 years...when I first got in to financial difficulty when I was 22 the total I owed was around £30k over around 15 creditors but most…
-
Refused COOP cashminder what now?
just got off the phone to coop and been refused cashminder account, couldn't tell me why and i dont know what to do now. i've got a readycash account with yorkshire bank that was opened in march this year and i go BR in just over 2 weeks. is there anyway i can appeal this and i need a bank account for direct debits and…
-
Questions, questions....
Hello All, I'm really hoping that someone may be able to help with some of the slightly odd questions I have. I've recently submitted an IVA proposal, but my creditors are looking for some amendments that I think are unreasonable, so I'm considering bankrupcy instead. However, in order to make the final decision, I could…
-
Does anyone know...
...How long it takes for your bankruptcy to show in the London Gazette and on the Insolvency Service website? Not that I am desperate for it to be there I just keep checking to make sure it went through! Call it nerves! I went BR on the 23rd Sept and its not yet on there. Thanks guys, hope you are all ok. shoelady82 :)
-
Restless and wondering
I have always said that should I come into any inheritance while i'm undischarged I would have no problem with it going to pay back what I borrowed. I am having problems sleeping and not related to bankruptcy, it appears i'm moving on and worrying about something else now. My dad died 20 years ago when I was 10, my mam was…
-
Vol reposession letter template?
Hi guys. Is there an example letter or template for voluntary repo for a house anywhere on this site?....Iv had a quick search around but I cant find anything.
-
effects of surname change?
My partner wants to change his surname to mine as our daughter has mine. We decided to wait until discharge, which is 2 days away :j:j My question is, by changing his surname do you think this will make his credit worthiness worse or better? We don't want any credit, but we want to get normal bank accounts with cheque books
-
Car Credit after Bakruptcy??
Hiya new on here. I was discharged 2yrs ago and have been a good lad ever since. My car is dying on its !!!! and i just wondered if any of you know of any car dealerships that would give me the time of day ?
-
Little Question......
Sorry to keep asking little things....... At the moment I am just about keeping alfoat and I am not behind with any of my payments (although as I said before the lady at the CAB advised me to stop paying my credit cards and she would then write to them and try to arrange a payment plan and if that failed then my only real…
-
OMG - In shock!!
Just had the OR interview and didn't realise it until I asked at the end lol :rotfl:ooppss She was lovely was only on the phone for 15 mins ...... didn't want to speak to hubby either I just had to relay what she said to me to him!! wow... :D No interest in our car so we get to keep that and our pensions are ok they have…