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Petition for Sequestration Help Please
Hi I'm looking for a bit of advice if possible please. My boyfriend has been served with a Petition for Sequestration. A court date has been set for next week. Should he attend this? He can't afford to pay the money back and he doesn't have any assetts, only a van he uses for work. He lives with his mother who owns her own…
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Confused by credit reports, please help!
Im due to be discharged on the 24th of this month, so as im keen to sort out my credit score asap I read the sticky about this and decided to get my credit file now. I was shocked as my updated files (call credit, experian and equifax) gave 3 totally different pictures. Equifax have no record what so ever of my bankruptcy,…
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insurance
hiya i'm planning on going br, i've recently heard that it can affect insurance? does this mean things like car insurance? what are your experiences of this? thanks:beer:
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phone calls
hiya the credit card company called me at work this morning, i told them i couldn't speak to them as i was in work but they were quite insistent even when i said i would call them tonight. i think they only have my work number. what do i do? work will go mad if i start getting bombarded with calls, but i am planning on…
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Will I Loose my Home?
Hi I'm new to the forum & have been reading through the stickys on Bankruptcy & was wondering if anyone could help out with a question which I can't seem to find the answer to. Following the failure of my business, £40k of debt & the prospect of signing on the dole for the first time in my life on Monday I'm considering…
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Bank account query?
I have opened a Coop Cashminder account and have arranged for all our credits to start going into there, I have also arranged for our DD/SO`s to start cominmg out of there as well. My question is this, I received a letter from the Coop yesterday saying they had received my instructions, and were notifying the Nationwide…
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Advice from CAB- doesn't seem right?? SoA query.
Hi all, me again! Last week i was asking about how to fill in the SoA forms for myself and my partner, as we are both going Br , on the same day. It appeared that we should mirror each others forms, and put all his wages on my form, and just leave the child benefit off his, and list our seperate creditors each. Then we…
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Letter from halifax today, discharged in 2007
Good afternoon everybody This morning I received a letter from the halifax demanding £12 k or they will take legal action. This debt was on my soa and I have heard nothing from them in over 2 years so why now and do I ignore it? I recently checked my credit file and found this was still classed as open on my file, so I…
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Think i forgot something
Had to ring the number this morning that the lady gave me when she rang after i went BR....i forgot all about my tesco clubcard plus...does anyone else have one of these, basically you load money onto it and use it instore like a debit card, and you get 2 points instead of the one....she just said it was ok and to mention…
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Would RTLU intentionally drag their feet?
Many on here will be familiar with my case, for the others heres a quick recap. BR June 2008 due to failed business and HMRC demanding their pound of flesh. I BR'd myself and beat them to it. 2 properties involved in the BR. One main residence and one BTL Forms recieved whilst BR asking my intentions on buy back, returned…
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Made BR this morning!!!
Hi all, just to let you know made br this morning at liverpool, paid my money, signed the forms and waited for ages. The lady came out said the judge didn't want to see me and gave me my number. Just waiting on the OR call now and see what happens. For anyone nervous about going br and going to court don't be, were not…
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Partners Income
I live with my partner who is currently unemployed. Will the OR require proof that she has no income as obviously she doesn't claim benefits as I work full time?
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Is that it? What now?
Received a letter from my OR today "NOTICE TO BANKRUPT ENCLOSING A SEALED COPY OF THE EARLY DISCHARGE NOTICE" and on the followingg letter "with the effect of the date this notice was filed in court [22-09-2009] you are discharged from bankruptcy" Now I know this may sound very silly and the answer seems to be very obvious…
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Bipolar and bankruptcy
Hi, i have recently found out i have bipolar disorder and looking back i can see this contributed to me ending up declaring bankrupt, i was wondering if there is anyone else out there who has gone or will be going bankrupt due to mental illness or even bipolar disorder?
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help with forms
Hi, just doing my forms online, we are currently waiting for our property to be repossessed, i presume I still put this down as "our" property? Thanks x
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Ipa
After being declared BR and having your OR interview, how long does it take for an IPA to be set up?
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The November Bankruptcy & DRO Club
:DHi everyone, welcome to the November 2009 :D :D Bankruptcy & Debt Relief Order Club. :D This club is for everyone who has gone through the process of Bankruptcy/Debt Relief Order during November 2009. So please feel free to join and post. Pop your name on here, the date that you went/are going Bankrupt/DRO and the stage…
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Am I unemployable?
Hi there First of all, thank you for all of the support provided on this forum, it has been an endless source of information and support this year. First the good news is that I got my early discharge through last week!! :j When I was declared bankrupt I lost my job at the bank where I was working. I have however really…
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Living with parents
To Sir,madam I live with my parents if I was to go bankrupt would this effect my parents in anyway we have the same name. Thanks Oregonuk1
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BR and moving abroad
Hi My Husband and I were officially made BR in May 09. He is Canadian (with UK passport) and has been offered a job in Canada. Regarding payments to BR, earnings etc, where would we stand? The money is better than he is currently earning and if all goes well, after a few months trial, myself and children would be hoping to…
