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Do you get left with £99
First of all I would like to thank everyone for your help so far with my daily questions its helping us so much. I think we are getting there and intend on filling in our papers this weekend however our main problem is our car. My husband has to have a certain level of car for his job as he is client facing and his job…
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Land registry B136(TIB) and B136 letter?
Hi do hubby and i just consent to the entry being made by official reciever, do we just sign and send back, been offered the BI but not heard anything back about it yet? thanks
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When will our luck change?
Hello all, Well just as i thought my OH was getting his head around being br, started going back to work after being on long term sick with depression and panic attacks because of the whole BR/crazy ex wife situation, his work went and dissmissed him yesterday claiming unauthourised absences. Obviously we'll fight it, as…
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Early Discharge Question and BI
Hi, I was made BR in June 2009. This week have had a letter from OR offering possible ED. At present I am unemployed and we live on benefit and my OH part time earnings. There is no excess income. My question relates to BI in our house. If ED is granted does the OR still have 3 years to sell the property or does their…
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Beneficial Interest
hi i have been offerd the BI in my house .the property is in negative intrest .the OR put on the letter that i need to get a solicitor or a licensed conveyancer ,what is the best thing to do and how much will that cost ? thanks richard
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Problem with the car??
Morning All, I have a question..... I recently sold my car (for market value) and brought another car, now my husband delt with the buying of the new car and for some unknown reason didn't listen to me when I said "make sure its in my name". So receievd the log book today and guess what... Its in his name. That means he…
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A bit of help please!
Hello all, just a bit of guidence if you could please, i am booked in for a CCCS meeting again, but just wondered if you could advise whilst i am waiting (as i am pulling my hair out!) I have recently had my house taken off me by the mortgage company (long story, failed business, borrowed the equity to bail it out again…
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after bankruptcy
Hi all I have my date 20-11-2009 for bankruptcy, But i have heard a few people on hear say that they are cleaning up there credit file, what does this mean? and how long after should it be done? thanks in advance
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Ipo
IPOs just out of interest what do they start from is it if you have a surplus of £99.00 they can take 50% of that?. some one put a table up but did not look it it.
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early
I just wanted to know I can pay my debts ok this month because of loans from friends can I go bankrupt early rather than when I can no longer pay because in theory I am not solvent now only friends that are keeping me going. oregonuk1
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Bankruptcy
There are so many questions and very useful answers on these forums however none of the exsisting question seem to help my situation, therefore I would like some information from the members. Im currently 31 years of age and when I was 18 I was stupid and applied for all sorts of things using credit, mobile phones,…
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£30k in debt where do I start
Help!!!!! I am £30k in debt and can only just scape by each month. I've got loans of £10k, £7.2k, £5k and £3.2k all with barclays A credit card of £2.7k maxed out I've got odds and sods amounting to £500 So including interest a ball park of £30k. I earn £32k a year so I am in a bit of trouble. I've had a gambling habit…
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Increase in DCA activity Chasseing debts included in BR
I have noticed over the passed weeks an increase of posts re DCA’s demanding payments towards debts included in BR. Now that in itself does not mean there is an increase in DCA’s doing so, just maybe more people posting they are. BUT Any DCA is supposed to check the debt is owed before pursuing, it is in fact a breach of…
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hey all :)
It's been a while since I've posted so I thought I'd give an update on what's been happening! All has been pretty quiet on the BR front since I went to court back in August, god it feels like it was a lifetime ago not a couple of months!! After I had my phonecall with the OR's assistant I never heard anything else until…
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Trust Deeds (IVAs) - Are they worth it?
I posted on the Loans Forum originally, then saw this Forum, so will paste my post here as well. Hope someone can give me some advice, thanks:- I'm new to this site, but am hoping to get your opinions on Trust Deeds (or IVAs). I have a loan with my bank, as well as a credit card and a store account. All told, I'm paying…
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Early Discharge. Does it happen in Scotland?
Just got a SOA to fill in for my 6 month review. I keep reading about ED's but all the posters are in England or Wales. So is this a possibility in Scotland? Do not expect it even it is but....... sometimes it is nice to dream :o
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Are we totally screwed?
Sorry but I really need some advice. We 'own' our own home. We have a mortgage, interest only.. no way of paying it off in 2011 because OH has had to use his pension lump sum when he was first made redundant. We also have a second huge secured loan . If we sold tommorow we would hopefully walk away with approx £5,000 after…
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bankruptcy advice re house + cars
I am considering declaring myself bankrupt as my business is heavi;ly in debt and continuing to slide deeper and deeper, its really beyond help after the credit crunch. I understand the gen principles of bankrupcy but have 2 questions.. 1) I have 3 cars in my name, but all of them are worth little money, 2 are old bangers…
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Rtlu ?
I went BR in August and have just received a letter from Moonbeaver saying that my IPA will start december .I have to forward them my wage slips ,can I send copies of these to them ? Today I have received a letter fom the OR handling my case saying that I am to be passed over to RTLU what does this mean can someone please…
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some advice please.
my husband brings home £1900 a month, me £186 per week, our outgoings (diredt debits) are £1966 per month, one is £567 to a first plus loan which is secured on our property.i cannot see an end to our debts and am totally ashamed of them. we have never fell behind on any repayments. should we consider bankruptcy? will be…
