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BR today! And what came next...
My appointment was for 9. I got there 8.50 and was asked to wait a bit. There were counters and a few chairs where I took a seat. I was on my own. A few minutes later the clerk came over (same one I had spoken to on the phone I think) and went through my forms at the counter. She corrected a couple of things and took my…
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a potential fly in the ointment ?
So we have been at rock bottom this week, resigned to bankruptcy, I would have to stop working as the car can't be fixed and that was that... However.. I applied for a job a week ago with a local garage and hadn't heard anything so assumed a no, they phoned just now, want my cv and I am to go in for a chat either tomorrow…
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Undischarged and possible inheritance
I was made bankcrupt on 30th April 2008 in Scotland, one of the last before the rules changed from 3 years to a 1 year discharge. So i'm half way through and have just found that I have a possible trust fund coming down to me as an inheritance plus maybe some bits and bobs. If this does happen within the next year and a…
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Re ; File clean up
I am in the process of sending letters to creditors to get my files cleaned up I cant find an address anywhere for hutchingson 3g the phone company, does anybody know an address or where i could get one? Many Thanks Gemma.
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Share Dealing
Would the OR take a interest if i started share dealing again or would it be best to wait until discharged
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Bankruptcy in Scotland
I am in Scotland. If I apply for bankruptcy can the benifits I get for my child be taken or can my husband be chased by creditors or have his wage arrested(his name is not on any of my debts). Do bailifs come and remove goods from your house to get money back for their debts
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Has anyone / Can you got a mortgage after BR?
Hi Both my partner and I went BR last year and have been discharged since the beginning of the year. I'm in the prossess of cleaning up our credit files and would like to know - Has anyone successfully bought a house after BR? We are renting at the moment and with baby number 3 on the way have started thinking about being…
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You Lot Are A Great Bunch
I just wanted to say to all of you who visit this forum that you are a great bunch of lads and lasses. I helped my sister through BR about 3 years ago. I was terrified, she was distraught and we couldn't have done it without you. For those of you who are just starting the process, you are doing the RIGHT thing. The people…
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mobile contract
Hi, I went BR 20 Feb this year and am not discharged yet what I would like to know is would it be possible/likely to get either a contract or sim only before I get discharged? I know Orange will be no go as they were included in my BR. Many thanks for your help and sorry, Im sure this has been asked many times before but I…
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Transferring Beneficial Interest Paperwork. Help!!
Hi All I went bankrupt a while ago, and as the house was in negative equity I was allowed to buy back the BI, Therefore, it was my wife that paid up so that it could be in her name. We have just received some documents that are very confusing! We have received a draft deed of transfer. I'm assuming my wife signs it with an…
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Lost my TICK to say i cntributed to thread
as title says how do i get it back
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HELP Please if a bankruptcy order has been made does that mean i am now bankrupt
I had a call from the official receiver yesterday asking me if i had any equity in my house, my car and my bank account. I have a wopping £120.00 in my bank account and no money in my purse, i have had no notification from the court or HMCE notifying me that i am now bankrupt so can i draw this money out of my account for…
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Help needed - worried sick about all this !
Hi we are looking at going bankrupt within the next couple of months - just a few questions that I need answers to regarding our home - we orginally took out a mortgage with northern rock on our house for £174k which we have increased over the past 2/3 years to £255k (think this is classed as a secure loan? We have always…
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Beneficial interest reverting back to homeowner
Good morning, I note from my wife's bank account that the RTLU have cashed the cheque for £211 which we sent to cover the legal fees for buying the OR's beneficial interest in our house. Months ago, I received something from the Land Registry noting the OR's interest in the house. Do I now get something similar noting it's…
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Permission for a hall pass, please!
As it is half term next week we are off on our Jolly Days :D I won't be around from Saturday to Saturday so behave peeps! If any of those under bridge dwellers poke their heads up remember DON'T BITE BACK!! Just report the post to abuse, PM the OP and reassure them and ignore the trouble maker and carry on as normal. Don't…
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Found out today i have been made bankrupt HELP
Long story cut short HMC filed a petition for bankruptcy due to estimated tax owed as i hadnt done my books for 4 years had been suffering with serious depression and stuck my head in the sand. i have since done them and recieved a statement of liability, what weight of my shoulders that was. but i stupidly forgot about…
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coop visa card/ experian
does the coop cashminder visa/ electron card work on the experian website to gain free trial any one know please
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Urgent Sequestration Help Please!
Anyone on here been through this? I've recieved a petition for sequestration, and am due in court tomorrow. I haven't attended any of the other court dates, and from what I gather from reading online, I only need to attend this one if I wish to contest the sequestration. Is this the case? I'm resigned to the sequestration…
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secured loan on property i no longer own
hi i had a secured loan on a property but i no longer own this can i still be chased for this loan
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House Renting
Hi Everyone, I still read all the posts everyday but this board is moving so quick these days!! Just wanted to get peoples views on long term renting. We are settled in our home but no that one day the land lady will want to sell it and we will rent again. Has anyone decided to buy again post BR? What are people views on…
