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Can you sign up for a bank account b4 BR
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my ex says.......
I should not be going BR as he will get all the joint debt and i am dropping him in it!!!!!:mad::mad::mad:
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Early discharge and kays catalouge
I have been BR since mid June and have continued to get statements and payment requests from kays, with the excuses being wide range, things like a blip in the system they are waiting on one document and the like, then they write from different depts and say they are all unaware of what is going on, the OR has sent in 2…
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scared stiff
I finally decided upon going bankrupt a few week ago, but im struggling to get together the money for my fees. although now my debtors are calling work all the time and are telling my collegues what it is regarding which is highly embarrassing! how can i put them off until i can find my bankruptcy fee???
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getting funds for BR
I have a barclays account with the reserve on it so can have emergency £150.....the thing is my dad is seriously ill in hosp and i have spent what i had left for week for fuel for going to see him and now dont have any money for fuel.......if i use some of my br fee money i have been saving if i couldnt replace it in time…
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How do I get rid of him?!?!?!?!
Just checking my credit file to send out letters and do a post BR credit clean up. It says I am financially linked to my ex from 2 years ago with whom I had a mortgage which was included in the BR...how the hell do I get rid of him?!
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2nd mortgage company demanding outstanding debt!
Hi all, My OH and myself have been discharged from bankruptcy (myself for 2yrs 7 mths, OH 2 yrs). We had a secured loan on our property which we no longer have as was repossessed. We have been getting letters on a monthly basis for around 9 months now from the secured loan company demanding outstanding debt they say we…
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Discharged today !
Well my 12 months is up and I am discharged today as is my wife yippee.I have a question though about rebuilding our credit. I looked at Capital one's site and it says you will not be accepted if you have been declared BR in the last 12 months.I was declared BR on 20th Oct 2008 and have ben discharged now so my question…
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Advice needed for in laws
My in laws are on a state pension. Father in law owes tax man a lot and he cannot pay them. House is prob in negative equity,but there definitely is not enough in it to pay tax man.Mother in law owes a small overdraft and about 1200 on a credit card, thats all I really know she owes. The overdraft people are screaming for…
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Money left to you in a will after discharge
Just out of interest, what happens to money left to you in a will once you have been discharged? I was under the impression that the OR only had an interest in it before discharge, but now I'm not sure. This is assuming that you are still subject to an IPA.
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Accepted For Co-Op Cashminder!!!
Hi All After reading the Co-Op Cashminder account on here, last night I called them for more details and applied for the account. Your ACCEPTED the women said!!! I nearly fell off my chair :T :T :T GOOD LUCK to anyone else that applies for it...
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Anyone Had A Public Hearing???
Hi All One of our creditors is pushing for us to have a Public Hearing. The OR does not want to go go ahead with it and is is writing a report to the creditor. Has anyone on here had one of these or known of one???
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IPA Advice
Hi Folks, I was given an IPA in Sept 2007 and discharged from bankrupcy a few months later. I do remember that they did not ask me to start making payments until a good few months after I signed the form originally and that lead to a delay in the first payment being made - at the time I was quite happy about this. Anyway,…
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Changes in circumstances
Just looking for a little advise. I'm currently staying with friends and contributing as much as i can while on JSA. I'm looking for work and it looks like i will soon get a decent paid job (fingers crossed). Now, I understand i need to inform the OR as soon as i get a job, but i'm starting to out stay my welcome at my…
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Cycle to work scheme, cana BR do it?
Funny looking question I know. It relates to this http://www.cyclescheme.co.uk/ I've got a cheap bike and cycle to work. I've been with my employer for about 2 years and if they run the above scheme (have been told they do) I can a get brand new bike and equipment worth up to £500 or £1000 depending on what scheme the…
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dca threats
hi everyone, not posted in a while but just have a query. my friend has debts and although she is not considering br she is trying to pay. long story short, she recieved a letter from a dca saying that she hadnt been in contact (actually she has but we know what these dcas are like!) so they were writing to inform her that…
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Pensioner with big debts
Hello, been following and using advice from this site for a couple of years and been a godsend for myself, thanks to all that help run it :beer: Anyway, time has come where I need some advice........ My mother in Law has come clean about her financial pickle and I'm seeking guidance. She's 64 and not in brilliant health,…
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Letter from Collect Direct
Hi, I went BR in June and all has gone very smoothly, but this morning i received a letter from a company called Collect Direct on behalf of egg, telling me my account is overdue and to pay within four days (its dated the 16th), it is a computer generated letter, but what would be the best way to deal with it, and has…
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Bankrupt - What happens if pregnant/JSA/travel???
Hello People! Will I be able to go bankrupt if i'm paying most of my creditors token payments even though I really can't afford it since all of my JSA goes to bills and debts? My child tax credit and child benefit goes to my child and food. How much do you need to be able to be under to be able to file a petition? I'm…
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Debts from 10 years ago !
I have just received a letter from Abbey to say they have sol on a debt from a bank account overdraft from approx 10-11 years ago. The next day I received a letter from debt collectio company saying they will accept half the payment £618 as a one off payment for a limited time. About 11 years ago we contacted citizens…
