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Starting bankruptcy
hey i really need some advice.. me and my partner are thinking of going bankrupt we owe atleast 25.000 how do we start the process off? we are currently on jsa and h/b as being made redundant
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What info do i need?
I dont know any of my credit agreement ref numbers, i've not got any letter as all my creditors don't have my new address and stuff would have been posted to old addresses. How do i go about finding this information out as i need to put it down on the br forms and what kind of paper trail does the OR need when i get to…
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Form 6.27 help please
Hi I am starting to fill in the BR forms and am a little worried about getting them correct. I am a bit unsure as to what question 1 (f) on form 6.27 refers to. Is it only for directors of companies and self-employed people ? I am a full-time employee so how should I answer this question ? Thanks
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putting off BR shall I write to them?
hi I want to put off my BR for a bit as were moving house trouble is Im now getting the we called today debt cards posted to me (yes posted! joke ay!)(credit secure limited) Im not bothered by these people and am happy to keep ignoring them(is that the right thing?) surely replying confirms I live there? but my missus and…
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Help please in relation to Bankruptcy and charging orders.
This is for a friend and so any help would be appreciated. She is currently going through the process of getting divorced, however this has been ongoing for 5 years. Mortgage is in joint names, she is in the property and has been maintaining the mortgage. He rents and has declared himself unfit for work and he is on…
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please help. advice needed
Hi I am a single mum with one little boy and think I am going to have to file for bankruptcy. My outgoings as they are now are just about manageable however I have been burying my head in the sand for the past year over some outstanding debt. I was married and my husband went bankrupt last year, however following his…
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Court- no show
Just returned from a court hearing regarding my CCJ redetermination and was amazed that after all the huffing and puffing NatWest have been doing about the debt they didn't bother to send anyone to represent them at the hearing :confused: I was there all of 5 minutes, the judge said she was confused as to why the original…
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spending diary
We are still waiting for our 1st CAB appointment but am thinking ahead. Do you think it would be a good idea to start a spending diary for when i need to explain cash coming out of our account? I usually take set cash amounts out for groceries and petrol etc to help me stick within my budgets. I also thought (following my…
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Time to start enjoying life...
I've just come back from court. Job done. It's over... Until my telephone interview on 29th September anyway. It was simple. Handed my forms and fees to the clerk, we both signed them, I swore an oath and then I had a 5 minute telephone interview, in which I booked a further interview, and that was it. I really don't know…
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In Preparation for B
Hi all, After three months of deliberating I am now to take the plunge. In prep; * I am not paying any of my creditors * I have moved out of my home to rented accomodation (there is equity in the property but there is damp in the p and i dont have the money to work on it, plus the lease would need to be renewed- 69 years…
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what a turnaround
17 weeks bankrupt and money in accounts starting to build, can manage to save a little each month and it soon grows to a good amount . I believe i will have money for birthdays holidays xmas etc and any emergency that pops up new fidge or washing machine etc and will just pay with cash its a nice feeling to be in control…
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IPA from OR
I have received our IPA's today - all fine - seems to have lumped outgoings together so difficult to see what we've been allowed for and what we haven't - BUT on mine and my OH's his income is wrong by about £400 under! I need to speak about my income anyway as part of it is income from our rental property which we will…
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Being asked to pay an invoice
I'm self employed (sole trader) and went bankrupt in January 2008, early discharge was October 2008. Some work was done for me on my website in 2007. I repeatedly asked for the invoice and it was never sent. Finally a couple of months ago I received the email by invoice. I've explained that I am not able to pay as bankrupt…
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Help Please
HI Guys, I am looking for any help .... I have 21k on two MBNA cards I have some spare cash and would like to settle them if possible .. Does anyone know what they would settle at or any one who can help me. Many thanks JM
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understanding bro/u
hi i was wondering if anyone can help me understand what an bro/u is as i am new to this and dont fully understand what it means and how it works thanks:confused:
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One thing after another, just rec'd court papers
Well our postie has just been and dropped some court papers off for us. We took an unsecured loan out with Tesco in Feb 08, 5 months before I lost my job. As you all know we've been struggling since I lost my job and we've been sending all creditors a £1 token payment, before we made the decision to go BR. We are trying to…
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Should I just give up?
I have a 1 year old daughter and have only just gone back to restarting my self-employed business after a year off. I'm probably only earning about 2-3k as I've only got a few nursery hours and my industry has been majorly hit by the credit crunch. My partner and I are were just managing when he's been made redundant.…
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Linked address when bankrupt
Does the address i live at when i went bankrupt checked for references and does the company know i am a bankrupt from the address or is it just my name linked to the address and anyone who lives here after me, i am in private rented.
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Due to go travelling
Hello everyone - im new to this forum and hope to get some advice. Firstly i owe around 15k to 2 different uk banks. In a few a months time i am due to move abroad to australia to see family who emigrated there and get a working holiday visa for a year, in 2 months times i will have no income whatsoever as my job finsihes.…
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I really am so thick....
Okay folks another question.... been bankrupt for a couple of weeks now, had or interview etc all going okay. Now then... one of my creditors was natwest (credit card and overdraft). I was looking at the O2 prepay card which I see is run by natwest. Now if I apply for one of these cards, am I likely to get knocked back…
