-
Debt collector posing as a mail company
Hi all, My partner had a letter this morning just saying contact me on a mobile number from Callum. we rang the number and the man on the other end said that it was me that the wanted no my partner, they said that they have a urgent letter that I need to sign for from a previous address in a place i have never lived. the…
-
Will they Take my Fridge?
Hi there, I went BR a couple of weeks ago and am currently enjoying the high life of paying nothing to no-one. I have my meeting with the official receiver on Friday. Now I understand they're going to come and take stuff away. I also understand that there is stuff they're not allowed to take, essentials like the fridge,…
-
After EDREV
Do you here from OR after EDREV letter and IPOQ if still no IPA
-
Sign of the times… despair, bankruptcy , depression & the 9.05 high speed train
First of all, I would like to thank everyone on the money saving expert forum… you have all been an inspiration to me, reading your financial circumstances and finding solutions to them. I have been laying in bed for the past two hours, eyes wide open and I thought it best to write some of my worries and fears down,…
-
Car HP (help) and a little about me !
Hi Everyone A little bit about me. I was made bankrupt on 23rd June 2009 following a failed IVA application. Confused and upset I found this board by chance whilst doing an internet search a few days after my bankruptcy at court. I wish I had found you guys sooner! Up till then I was on my own. You have helped me come to…
-
Anyone dealt with Bristol OR?
If i do go down the BR route, I'm guessing my nearest OR will be Bristol - has anyone had experience with them? :-) d4h
-
Any 'well paid' BR's who can share their story?
Evening everyone :-) Following on from my other posts - are there any of you out there who have gone through BR and earn a pretty decent wage? I'm not on mega-bucks but am fortunate enough to have a fairly well paid job and you might have seen in my other threads that this has caused the CCCS to question whether I'll get…
-
V odd situation....can you help???
I went bankrupt in the UK in Aug 2009 this year and am living abroad in US now permanantly. Recently we came across an opportunity where we can purchase a house here where a couple are divorcing. However obviously as Im BR in the UK I declared it to the bank as I was more curious as to what they would say. Amazingly they…
-
Mortgage and Homeowner loan
Please please help. BR on Friday 2nd both myself and my husband. We have opened a co-op cashminder all ok, and have moved out of our house into rented accom as per advice from CCCS....... still waiting for OR interview. However am confused re our house. Planned on voluntary repo, but got scared off contacting any of our…
-
BR - is anything certain, need help????
Hi, It has taken me a long time - nearly a year of stressing - but i think I have finally accepted that our best option is to go bankrupt. After setting up a DMP for me and the OH and living with this for a while we are still finding that the last two weeks in the month we are still not able to manage - buy food…
-
anyone else waiting for poss ED?
I put in my new IPA form on aug 17 at exactly 24 weeks. Now at 32 weeks and have heard nothing, been checking the register and nada... anyone else waiting? How long did it take other peoples EDs from ending the form back?
-
OR applying to be released as trustee
Hi all I just got a letter from OR saying he was going to apply to be released as the trustee of my estate (or something like that) Does this have any significance with regards to getting discharged or any other significance? I have been informed that he is applying for my early discharge previously so am hoping things may…
-
Had OR interview today
Hi all, I had my telephone interview today which lasted 45 mins:eek: To be honest it wasnt a pleasant experience because I was asked about my debts in detail and it brought back some unhappy memories! (the endless demand letters and constant creditor intrusive and aggressive phone calls)! Other than that, I think it went…
-
surplus in br
hi folks this maybe a naive question but if once you go br and you have surplus left at end of the month after paying all bills, food shopping etc. does all surplus go to ipa or is there a certain amount you are allowed to keep to see you through the month for day to day.
-
bankrupcy help
i am going for bankrupcy on thurs 15th oct, filling forms in, expenditure form is hard, i have no money left at the end of each month at all, on paper it show i do have some left, what expenditure is accepted on the form i am struggling to think what i pay out on a regular basis can anyone help please!! i am getting really…
-
Inland Revenue want paying
My OH and I have been talking about bankruptcy for over a year now due to our mountain of credit card bills which we have not paid for around two years. Like lots of other people on this site we receive letters daily from all different companies threatening us with legal action over non-payment, but as things stand we do…
-
Handing the keys back
Hi guys I've been in touch with the debt charities and they have given me some great advice...but just wanted to double check... We are planning on moving into rented accomodation pretty soon no assets to speak of mortgage is interest only so pretty much means rent as we have no facility to save at the same time, bought…
-
Credit report problems
Hi Have posted this over the other side on the credit card board but thought i'd see if anyone with previous BR experience knows on this one My public information stuff (BR and discharge info has disappeared early off my report) I have just checked my credit file and have found that now Experian have changed my address (i…
-
WOOOOOOOOOOOOOOOO!!!!! Early Discharge!!!
I got my letter through, I was discharged on 18th August! WOOOOP! The feeling is incredible :) :) :) I was declared BR on 19th Dec 08. So 8 months all together for me. WOOOOP! Just one question, on the same day of my ED letter, I had a letter from a bank account saying I need to sort my account that's in arrears....surely…
-
Any way to void / complete an IPA early?
Hi all, like many on the board I got an IPA some 5 months after actually declaring myself BR, and as they can take somewhere between 50-70% of your desposable for the next three years, seems to me pretty pointless to actually try to earn anything more than is actually needed per month.. So, I wondered if there's any way to…
