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benificial interest in property after bankruptcy
hi everyone i declared myself bankrupt 13th july just wondering if anyone can answer or give guidance on this,,,or has told me 4000 equity in my house,do they take estate agents and solicitors fees into account if they did this 4000 would virually dissapear or would they take an offer of say 2000 how long do you get to pay…
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urgent advice buying the beneficial interest
hi guys, need some urgent advice, as a sole owner in negative equity i am buying the b.i. but have the option of someone like family/wife/friends buying it - what is better for me to buy it or someone else???? can any one help??
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or's payment
hi just got a letter from the or and we have to make payments to them for 36 months i have seen posts were people have been saying they have been signed off, do you still have to make payments to the or when you are signed off or do they stop thnks
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SOA and my living situation
I am just curious how to fill in my SOA as currently I own my own home and I have a friend who lives with me, He is on JSA and has no money to contribute, I pay bills and buy food etc. Should I do my SOA as though it is just me living there even though he is living as part of my household?
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OR Interview
Afternoon all, Had the call from the OR this morning and he wants a face to face interview rather than telephone - is this a bad sign ??:confused:
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redundancy pay help
hi guys been in touch with the cab and other about br but i decided i would continue to carry on paying them to keep my credit history intact.i have just been told by work im going to be made redundant which i will find out for shure tomorrow morning at a meeting.i have been with the company 5 years and i might get around…
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Applying for a Mortgage if a Discharged Bankrupt
Two Questions 1. Can a Discharged Bankrupt get a Mortgage? 2. How easy is it to get a Mortgage if your a Discharged Bankrupt and your Parents are willing to act Guarantee?
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OR Interview this morning-not good
Hi all, I wonder if somebody can help me? A brief history of my/DH circumstances are he was declared bankrupt on 29th September. He has today had his interview with the OR which, to be frank, didn't quite go as we expected. We own our home and we do have some equity in it, though in this climate we do not know exactly how…
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PPI Help
Hi, I wonder if anyone can answer this question... I have a loan with HSBC, originally a consolidation of credit cards, laon mount £15k. With PPI & Interest, the loan went up to £25k! I am considering going bankrupt & last month, cancelled my wages going into the loan account, so have 1 missed payment. Does this invalidate…
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Bankrupt or broke?!
Hi, Where to start... My Partner left me 6 weeks ago, we havee a joint mortgage & I do work, but am on sick leave at the moment. I have debts of around £35k, that have accumulated over the last 3 years, on general living & paying bills. I take home £1k a month & have had no pay rise for almost 3 years now & with everything…
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Help Debt Managers
Just recieved a letter today from Debt Managers Ltd addressed to my wife asking for her to verify that she is responsible for an account giving 7 days to do so. I declared myself Bankrupt in July of this year including this debt, this debt is from an agreed overdraft we had in joint names of 500 pounds, subsequently rose…
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What do i do next?
Hello all ! I am just back from the CAB and I was wondering - the advisor gave me a white envelope after i had completed the LILA application - do i post this ?
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What do i do next?
Hello all ! I am just back from the CAB and I was wondering - the advisor gave me a white envelope after i had completed the LILA application - do i post this ?
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Urgent advice needed
I've filled in my forms for bankruptcy. I've spoken to both my mortgage and two secured loans who, I have to say, have been brilliant. Not sure if I have done the right thing but I have told them I am going bankrupt. First secured loan were always in the past desperate to get me into court due to arrears. They have now…
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Release of Trustee and ED and sorry to off load my worries!
Hi all I am posting a thread again i posted one yesterday re a debt collector trying to trace me, it has really knocked me down and I am worried that I will either get threatening pay up letters in the post or someone turning up on my doorstep its really worrying me that these debt collectors will try any trick in the book…
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Help! Stat demand from Hamptons Legal
I am a bit worried to say the least.:confused: I have had a statutory demand from Hamptons Legal (Lowell) threatening to take me to bankruptcy. The debt is in regard to an old credit card for the amount of £1200. I emailed them and made them an offer yesterday, which they emailed back refusing it. They then gave me 3…
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Sooo, time to go bankrupt?
Me and the otherhalf have split up, one of the main reasons being her handling of the bills. In so far as there was no handling of said bills. Since she has moved out I have found drawers full of letters from the banks, council, recovery companies etc etc.. I'm looking at about 34k's worth of debt. I have no bank account…
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Went bankrupt last week-now need a bank account urgently!Any chance?
I went bankrupt last Wednesday and had 2 current accounts. One with NatWest which was in a really bad state and a Lloyds TSB one which was fine, never incurred any problems with. I know now that they will be frozen and most likely closed but now I have had some luck, and been offered a conditional job offer (subject to…
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Stupid IPOQ question
Sorry guys, I received an IPOQ form in the post today and have instantly gone into worry mode. . . I have completed the form and shown my husbands contribution to the accounts however there is nowhere on the form to list him as living with me. He isn't a dependent so I can't add him there. I am worried that the OR will…
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Extra money!
We are going bankrupt in November but my husband has now found out he has some inheritance. This will take a while to sort and will be around £10000. We will probably be bankrupt before we receive the money, but will the OR take all the money or will we get to keep some? Would it have made any difference if we received the…
