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Considering bankruptcy
Hi, I'm currently unemployed ansd am about 20k in debt from a professional training loan (law) and a couple oif other (much smaller) debts. I'm considering bankruptcy as it seems like the best time (no assets, no income etc) however, a girl I know who is currently an unemployed undischarged bankrupt has just received an…
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Improving credit rating after BR
Hi All Posting on behalf of my boyf here. He has been discharged from bankruptcy for a while now and has a simple bank account with no overdraft, cheque book or debit card. He just has a cash card (nationwide) He's applied for basic bank accounts elsewhere to see fi he can get a payment card but keeps getting turned down,…
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remortgaging while bankrupt
Anyone had to do this? We are currently with northern rock and in negative equity. Will we get another mortgage , we have never missed a payment with them if this makes any difference.
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Method of contact?
Hi all, Just a very quick one. I am going to inform my OR of a slight increase in wage (which doesnt take me over the £99 surplus allowed) but im wondering if just an e-mail wouls suffice or do I have to send it in writing?? Like I said, quick one. Thanks.
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just been advised to go bankrupt
After meetings with CAB and an Ip we have been advised =the best thing for us is to go Bankrupt and I feel totally shocked and sick. my main worry is my parents finding out. Where will it be published? Is it in your local paper - what section ?? we have been told we wont lose the house as we are in negative equity? We wont…
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Co-op Smart Saver for Discharged BR
I was discharged on 18/08/09, and after checking my credit report, I have today sent off letters (recorded!) using the template letter on here to previous creditors who need to change the default date to my BR date and place a 'settled/satisfied' mark on my report. I'm hoping if all goes well, within 28 days I should have…
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Yet another kick in the head
I have been released for over 2 years and still having problems.Apart from being refused for 5 home contents insurance,numerous(cheaper)car insurance,all adverse credit cards,bank accounts and various other things.I am know being asked on on-line job applications"have you been made BR in the last 7 years"as soon as i put…
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valuation bankruptcy
wanted to know how old valuations are accepted if i was to go bankrupt. how much equity if too much if a joint mortgage. a year ago bouth the house for 180000 and the value was 200000. i personally feel i might have 10000-15000 equity no more than that. will this much mean my house is in trouble.
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filling in SOA step 4 - creditors
Ok, so I am now trying to complete this SOA and am trying to fill in the creditors section. I have about 10 credit cards and loans to fill in here. The cards haven't been used or paid for approx 2 years - we have just been getting threatening letters for all this time as the debts have been passed from company to company.…
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ccj do I have to prove my income
hi Ive lost a court summons was ordered to pay in full have no money so cant paid £35 court fees to say I can afford £5 a month filled in income and exp form now Ive got to go to court in November again to discuss payment so what will they ask me ? I cant prove my income as times are hard and Ive hardly done any work…
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Looks like we will have to go bankrut - so I have a few very basic questions!
So, have been to the CAB and looks like the only realistic option to us is to go bankrupt. So, my questions are as I say very basic, I understand the fairly complicated bits but it's what we will/will not be able to keep, and the justifying the debts bits that bothers me. Firstly, what do they take? and do they come to the…
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filling in forms re sale of house
hi I have started filling in my forms online... I will worry about how to print them out at a later date! We sold our house two years ago and had a profit of £43,000. This was spent on several things... tax man, uni accommodation for 2 daughters, holiday, paying back personal loans from friends, and a bit on gambling. We…
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another I'm afraid....
I have just seen my mobile bill and I was horrified. I have been very sill and have messed up big time. I was called a few weeks ago by my provider and offered a free notepad with all the gubbins for £20ish for wireless broadband per month. I think I was just so relieved that the person on the other end of the phone had…
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Mortgage Companys who lend to people with poor credit?
Hi I was wondering if anyone could advice me on the best company to go with who offer this kind of service. Me and my husband bought our home in March, my father borrowed against his own home for us to be able to do this. We pay £1100 a month at the moment which is alot as the house is worth 100k, we manage this but we now…
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SOA quickie please
Hi all, omg I have forgotten to put something on my SOA! I remember now why I left it out, I was going to ask someone but it slipped my mind..... I have an amount outstanding on my service charge (left property now, it was leasehold) Does it need to go in the secured or unsecured section? I think I remember somewhere in…
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Incompetance or just lying to me
Right, my voluntary reposession saga continues. Quick ride throught the history.. Called about going for vol. repo. was told to sign a form to just verify our signatures, pushed a little bit more about what the form entails, yip, liability of shortfall, very mad at being told just for signature purposes. Refused let it…
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please help,im new !!!
hi ive decided to join as you seem such a lovely bunch ,but don't know where to start. ive just been in tears over my situation which is not that bad at all compared to some, but its really getting to me
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Just had OR interview!
Hi all, Strange thing just happened, went BR friday someone rang yesterday from OR office to just have a quick chat and said it would be a couple of weeks before OR rings and goes through forms. OR just rang me for 15 minute interview no warning or anything, wanted to know why i got in debt what the money was spent on etc,…
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Council tax on 2 properties
Hi I have my interview next week just wanted to check something. I pay council tax on my current rented home which i put in my SOA I also own a house with my ex which neither of us live in and will be giving back to halifax for voluntary repo. I didnt realise we would still be liable for council tax until its sold (read…
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If anyone is with O2 (pay monthly or pay as you go) useful money card
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