-
filling in forms - soa help!
I am (still) filling in my OH's bankruptcy forms online and wanted to know about step 7 - outgoings. Is this the part where everyone posts their soas on here? step 7 only asks for general expenses, so am I meant to use the bit at the bottom - "If there are other essential payments, provide details of these payments " for…
-
informing bank of BR
OR has just called and arranged date for telephone interview. They told me they will not freeze my co-op account but I should inform them myself. I always thought that It was the OR that did this but I'm obviously wrong about that. So, I am going to phone co-op today and inform them. How long is my account likely to be…
-
Reposession of vehicle question
Thanks in advance to anyone who can answer this question. I was made bankrupt on JUne 30th 2009. I have a van on a lease finance deal on which I pay £333pm, (26months into a 60month deal) I have managed to pay this monthly figure since my bankruptcy and am not in arrears. I received a letter on the 17th Oct from the…
-
Problem with CCCS website?
Hi Hope this is in the right section. Im trying to fill out the Debt Recovery Remedy but on my priority expenditure I can't get past the TV Licence section? I keep getting asked to 'enter valid amount' Is or has anyone else experienced the same problem? Thanks in advance
-
UK Debt and Legal Services/Arrow LLC
No longer reliant
-
BR & rent arrears
Hi, I have booked my date for my BR but I am in a pickle over my rent arrears. I am in a LHA property with an outstanding suspended possession order. Will it be ok if I left them of as a creditor and continues to pay the arrears as per my court order? I don't want to put the arrears in the BR if I stand a chance of losing…
-
Tesco Car insurance
Anyone got Tesco Car insurance? Paid for mine in a lump sum prior to bankruptcy. Is it worthwhile writing to tell them I am bankrupt and ensure they know about it. Anyone had any experiences with tesco?
-
I’m really confused now …. Need advice again ….
When BR you have to notify creditors of your status if you want to borrow £250 or is it £500? The CAB told me it was £500 but the insolvency website said £250. Which is it? Also, if I used redundancy money on going abroad and other bills instead of putting towards my debt when I felt I was quite capable of paying my debts…
-
Joint Bank Account
Hi I have been recently discharged and have had a basic bank account with the co-op for quite a while. I am looking at setting up a joint account with my partner who has never been bankrupt or had any credit problems. I know the co-op provides a basic joint account facility, however will it cause by partner any issues in…
-
Have my hearing booked, but will i be allowed to go br?
Hi All Will try to cut a long story short, i setup a company with a colleague back in 2006, the business was going extremely well and within 2 years were turning over 1.5million with a 10% net profit margin. To keep up with the rapid expansion myself & my business partner guaranteed around £400k worth of equipment leasing.…
-
Bankruptcy and house/buildings insurance?/
Hello Hope someone can help. My OH and I where both made bankrupt in July 1993. We have been discharged bankrupts for 13 years. we are just shopping around for buildings and contents insurance on our house (we have had a mortgage for about 8 years) we have always used the bank insurance but this is costing us £550 a year…
-
New Job... yet still worried
Got the call today!!! After a fair few months of unemployment some fool has decided to give me a job :D Well I actually had to choose as I got offered 2, I went for the lesser paid more secure option. It's funny coz i've been trying to get a job for so long, it's probably been all i've been focusing on. And now I have one…
-
Early discharge letter
Hi People I went bankrupt in Early May and have just received a letter from the OR regarding Early Discharge. I have filled the forms in and will be hand delivering them tomorrow because its taken 9 days to get here and for me to fill it in. I'm still not great with letters but at least i open them now! My question is this…
-
going bankrupt
could you please tell me how i go about declaring myself and my husband bankrupt we have about 60000 worth of debt and we are just getting deeper in debt witj everthing do we both need to go bankrupt as the debt is in both of our names ?
-
First real life experience of advising a friend
Hi folks, it's been a busy day for me. I've met for the first time in two years with a friend of mine, she's lovely but very gullable and has severe learning difficulties. She moved down to London and then Manchester with her boyfriend.. a mutual friend so rather messy. He's looked after her for nearly 8 years but has been…
-
thank you.
hi everyone, I've lurked about this forum for just over a year now, I went BR in Oct 2008 and I'm now discharged! Id just like to thank those people who helped me with advice on this forum, it really helped. Thanks everyone and if can I'll try to return the favour to those going through the same. Anyone know the best place…
-
Do i have to attend?
i have a hearing at the high courts of justice in nov and hmrc are going to make me bankrupt do i HAVE to attend?
-
Slight increase in income (soa)
Hi all, I would just like to ask if there is anything I can either introduce or increase in my expenditure? I have had a slight increase in wage which takes me quite close (within £20 of the £99 surplus allowed). I really dont want an IPO, which I know some of you dissagree with try to avoid!! See below: Rent £445.00…
-
Advice on applying for Bankruptcy
Hello all. As my thread title says, i need advice, where to go etc on applying for Bankruptcy. Brief story, im in debt by about 70000, mainly in joint names with my ex wife. Currently unemployed and living in rented house. Firstly, do I need to get a Solicitor? Do I have to pay to go Bankrupt, even though I claim JSA? And…
-
How quickly do wages go into Co-op account ?
After reading on here that sometimes it is a bit slower for withdrawals/debit card payments to go through a co-op cashminder account I am wondering if it takes a little longer for your wages to appear into the account than normal too. Anyone any experience of this ? I guess I'm just a little paranoid as tomorrow will be…
