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Think Thats It Iam Bankrupt ? Scotland
Scared to get exited but recieved a letter this morning from accountant in Bankrupcy ( scotlands insolvency service ) Dear ********* Your Bankruptcy Iam conmtacting you regarding your application for bankruptcy which was awarded on 24th september 2009 if you have not yet recieved o copy off your awards certificate you…
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BR Form Question
One the form where it asks for the life insurance value if i only took the policy out on the 15th of this month would i be correct to assume the value is £0.00 or is it worth something already?
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Anyone got a Fax number for Barlcay's?
I'm writing to Barclay's and Co-op to find out why OH was refused accounts. I've found a fax number for Co-op, but does anyone have one for Barclay's? Thanks
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Has this happened to anyone?
Hi, I went BR on 7 september at the HC. I was told that the OR would contact me in 3 or 4 days. I called them after 5 days because the BR order number showing in the Gazette and the Register was wrong (they were happy about me letting them know) and also to ask if I could use my Cashminder account and whether I could use…
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IPA 'file closed'?
Hi all, Hubby had an IPA but just about a month before AD, he got in touch with our OR to explain our joint income would decrease from September due to my being forced to take fewer hours at work. OR asked him to complete an IPOQ and then confirmed he could cease payments to Moonbeever (we presumed the IPA was suspended).…
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Ipa question?
Hi guys haven't posted on hear for a month or so now, i am currently unemployed and desperately looking for work BUT with this IPA thing stuck firmly a the back of my mind, i am currently looking for low paid work as to avoid being £100 a month over my basic living expenses but i might have the opportunity to take a job of…
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Bank Accounts...
Had my OR interview, so now my bank, Nat West, where I have a basic Step Account, no frills etc, will find out. Does anyone know how long it will be before OR writes to my bank? OR had no interest in my account, there is nothing in it but I get paid fortnightly, this friday and then in 2 weeks, and he reckons they will…
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help appreciated
hi ill keep this as short as possible , im at my wits end ! i entered into a IVA 9 months ago and just cant keep it up , im getting pretty desperate now and i think i may have been ill advised with the iva, im paying £320 per month and im living on my disabilty benefit ,Have needed to borrow cash from my farther just to…
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thinking of going bankrupt
Hi Can you tell me if my husband and I filed for bankruptcy, would we have to appear in court in person, and would our names be in the local paper. Thank you
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BI got shock today (need advice)
Signed letter from OR last week confirming that I want to buy the BI back. Had estate agent round and was told quick sale price - not what I was expecting as was sure it would be in negative equity. But oh no, as luck would have it approx £10k equity:eek::eek:. Now am really scared coz don't think I can raise that for the…
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bankruptcy
hi, not sure if anyone can help, i have been reading a lot of post and trying to get my head round if i should be looking at bankrupcy. me and my partner bought a house last year, prior to that i had loans of total 14000 (sorry my pound sign dont work), i also took out three credit cards total balance of 4000. these cards…
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Holiday?
Can I go on holiday after BR? I will be going BR in a few days and my parents has paid for a 2 weeks holiday in Spain for me, my daughter and themselves this coming half term. I have been suffering from mild depression and anxiety over the last 9 months and my parents thought a holiday may give me a break after my…
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Credit Checks For Job
Hi I am currently unemployed and looking for some temporary work. Lots of the jobs I have seen are stating subject to credit check even for admin work. I have been bankrupt now for about 6months. Do you think there would be any chance of me getting any of the jobs or am I better of not applying? Am really struggling to…
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Will OH be forced into IPA?
I will be going bankrupt in a few days and I was told by a friend today that even I am the one going bankrupt and all dent in my name, OR will force OH to enter into IPA because of the huge amount of debt that I have. Is this true? OH is not part of the bankruptcy and he is never part of the debt. In fact, I have taken…
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Going BR in USA
Hi my sister in law lives is California (lucky madam) however she is going through a divorce and is thinking of going BR does anyone know the difference between here and USA , there is no property involved this has just sold for short sale about 200,000 dollars less than outstanding mortgage, she has credit cards not sure…
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Debt Collection Agency !!!
Evening all I am new on here but have been reading these forum pages for months. Just to let you know a bit about me. I am 26, and work in construction. I have unsecured debts of £25000. I have two loans and a credit card. I also have a pay day loan. My problems started when i was made redudant last October. I didnt get…
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OR rang this morning
and TYPICAL I was on the phone to my health visitor the OR left a message, after my call I thought I would check the phone for messages and ALL day I have been sidetracked and hubby checked at 4.15pm and sure enough OR left message at 10.26am!!!! I am so annoyed with myself :mad::mad::mad::mad: so hubby rang her back and…
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Co-op Cashminder Referral
Hi I put my forms into the court today and have got my hearing booked for the 7th Oct, I telephoned the Co-op to open a cashminder account this afternoon and couldn't get an instant decision. I was told it had to be referred. How many of you who have opened a cashminder account had to go for referral ? I'm just getting…
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Applied for Barclayss account but got referred???
Hi, Went into Barclays today to open a cashcard account, was there for 45 mins with personal banker. After going through the whole application process I was expecting to get a sort code and account number there and then but instead I was told that my application has been referred for a decision. Will hear wednesday I did…
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Implications for OH of BR/ex-BR partner
I seem to be coming up with a question a day, hope that's OK :o I've been seeing a lot of people asking about insurance issues for non-BR OHs. I hadn't even thought about that to be honest. I don't live with my OH and we don't have any shared accounts atm, but we may as well do in the future, so what are some worse case…
