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NR + voluntary surrender
I have been in touch with nr about voluntarily surrendering my house to them, and have been a form to sign that says I will be responsible for any shortfall after br. I have no intention of signing this and also told by or not to. But, had call from nr tonight saying I will be liable for shortfall whether I sign form or…
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when should i open barclay's or co-op bank account?
Hi Everyone ! i sent my forms away last friday and I was wondering when should i open a new account ? i am on a very thin financial line and still need every penny , just dont want the account frozen with my £77 dole money still in it? Please advice thanks
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Online forms - help!
I got my pdf, however: 1) My postcode is wrong and I had no option to change it (filled it in when registering I guess) - can I amend this on the printed form? 2) The 'Type of Card' fields have not fed through :rolleyes: - fill them in or leave them blank? 3) Can I print it double sided? (what a waste of paper) 4) Is there…
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Another update..
Dear friends, i apologise for not being on too much, been fighting the good fight! anyway, i was driving home from work today in the rain, listening to the doom and gloom news about strikes and job losses, when i suddenly realised: Today is my BR discharge day! :beer: i had forgotten all about it! hahah Id like to thank…
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Which co-op account?
Although I'm possibly at least 2 months from filing for BR, I think I should open a new account now and start getting my wages paid in there instead. Mainly because my mortgage and a loan are with the same people who I bank with, and I've heard worrying things about them pinching money from your current account to cover…
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National Debt Helpline - what lovely people :-)
OK, following my less than helpful call to CCCS I took a deep breath and called the National Debt Helpline this afternoon. They were much more friendly and empathetic and talked me through ALL options including BR. Obviously they can't tell me what to do but they did confirm that BR is an option due to my asssets being so…
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Daughters bank accounts?
We will be going bankrupt soon with the help of our wonderful CAB advisor, she told me to start taking the money out of our bank account in preperation for it being 'seized', i was wondering if my 22 year old daughters bank accounts would also be 'seized' as although she doesnt live with us her bank accounts are still…
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When does an IPA start question.
This is a hypothetical question. Suppose you have your OR interview and it is decided you do not have enough surplus to pay an IPA. Then about 11 months into your BR your circumstances change and you now have enough surplus for an IPA so you start paying one. Does the 36 months start from then (11 months in) ? or do the 36…
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Can I do this?
Hi Guys me again... Can i use whats left of my overdraft to pay my BR fees? Or can I take some off whats left of my credit on a card? Am i right in thinking i can still use the credit whats left on cards to live off till im finally BR? Just strugging to find the fees. xx
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Can I SAR the OR?
Hi. Does anyone know if it is possible to request all information held on me, by the OR (called a S.A.R, subject access report I think..) Anyone on here done this? Cheers
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dollparts did it!
It's done. I've well and truly done it now. Numb, dazed, blank, erm yeah, it's done. Not the crucifixion I was expecting (I know many of you told me so!) The judge was very 'human' even cracked a joke and asked me why I was hiding in the corner:eek: Said they are seeing on average 40 per week in the area. Thanks to ALL of…
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Credit file post BR
Just checked my credit file and yep there are mistakes. Funnily enough the one I thought would be worst, Capital one, was actually the only one marked correctly:eek: HSBC, Natwest and my good old X5 finance company and 3 mobile are all showing later dates some by only a couple of weeks, tbh I'll just leave these, but 2 by…
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Is being forced into Bankruptcy an option?
Hi everyone - I've got a quick question I hope you can help with. For various reasons I think BR is the best option for me, but from the advice on this site I'm not sure my debts are 'bad enough' for this to be agreed by the OR. My preference is for BR rather than an IVA as I feel like I've only just got myself emotionally…
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what happens after 6 years?
Hello, nearly six years ago I was in a financial (and personal) crisis and the unfortunate end result was that I filed for bankruptcy. In the years since I have been really careful with money and rebuilt some of my credit score with the aid of some great support from an understanding bank manager (a rarity) who even…
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Bankrupt - Job discrimination!
Hi People! I have noticed on this forum that some have been discriminated where certain occupations are concerned. I'm looking to go bankrupt and also wanted to study and re-train to work in the finance sector, within the next couple of years. Would I be discriminated and be overlooked for jobs such as legal…
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Is this correct ??
from reading some of the other posts it appears that if i become Bankrupt, and joint debts between myself and my Husband will become his debts solely? we are in the process of possibly separating but i dont want to do this to him as if there is even the slightest chance we can work thing out this will permenantly put an…
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Got a Halifax account?
Be wary of the new overdraft charges from december Authorised upto £2500 = charge £1 a day Authorised over £2500 = charge £2 a day Unauthorised overdraft = charge £5 a day and they are to stop paying the 0.01% interest of balances in credit
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So worried about justifying debt..
Hi there, I am in the process of saving up to go bankrupt. The main factor towards this is due to the repossession of our appartment which will leave us with a shortfall of about 40k plus another 18k of debt due to hire purchase, loans , credit cards... I am so worried that I wont be able to justify the debts and will get…
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Have I caused myself probs with going BR?
Hi there Wondered if you could help with this scenario - I have not yet gone bankrupt or even got the petition I need, Im just at the stage of researching it to make sure its for me - Im currently on a DMP but this is going to take approx 11 years to complete so thinking BR might be the way forward. I have a car on a HR…
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5 months today
Been 5 months since bankrupt EDREV IPOQ went in 14 days ago. still have a bank account but no letters or phone calls and can now save a little each month going to be a good xmas.. One question i have when you are discharge can the OR re open the case not that i have any skeletons i am just curious
