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All done this morning
As of 11.23am i was officially bankrupt. all went well, had to wait to be seen, got there far to early at 10am for 10.30 app, got called went through the forms, ammened my name as i hadnt put my middle name in, so a few ammendments and them swore on the non religious oath thing, and paid my £510, then was asked to go wait…
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post bankruptcy bank account????
Hi Can anyone please advise, I was discharged 3 years ago from bankruptcy and have had a cashminder card with co-op bank. I would like to get a current account (not necessarily with co-op) my credit score is 840 at present, can anyone suggest a bank or a thread on here for advice. Thanks
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SOA -Query
Do I put actual amounts paid out or the annual cost divided by 12? i.e. Council tax is 1117. Monthly amount requested by council is 124 ( no arrears just this much because of problems setting up direct debit on time) annual figure divided by 12 is 93 -09 If I put annual figure divided by 12 I will a shortfall that I would…
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Barclays Cash Card Account
Hi Does anyone have any experiance of a Barclays Cash Card Account? I have been with the Co-op since I was declared BR but there service is appalling so I am looking to change. Barclays have said I can have a cash account 6 months after being Discharged which will be at the end of October. Thanks for any help Andy
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Just spoke to CCCS - not good! :-(
I have to be quick as am just finishing lunch break! But I spoke to CCCS about gettng advice about BR and they said they wouldn't give me any! They said seeing as I earn quite good money and would have a surplus etc they wouldn't give me any advice about BR as it wasn't my best option :-( But what they were talking about…
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Lloyds Cash Account
HI Does anyone have any experiance of a Lioyds Cash Account? I have been with the Co-op since I was declared BR but there service is appalling so I am looking to change. Lloyds have said I can have a cash account 6 months after being Discharged which will be at the end of October. Thanks for any help Andy
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Negative equity, cannot sell flat..help!
Hello, I was wondering if anyone could help me. I currently have a mortgage with the HSBC and I have been to see them.....they were no help whatsoever! Anyway, I live with my fiance in a flat (his) and my flat is empty - I am not able to rent it out as I don't have enough equity in it to do so. It had been on the market…
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In very deep and can't see a way out.
I have massive debts of approx 60k. These started in 2004 when my business was effectively closed down by the banks. I have been self employed and tried to work through them and always kept money going in to my accounts and worked without credit facilities in the same Interiors industry. The debts have all been addressed…
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I really don't want to ask this!
I am about to go Bankrupt and have been looking at the NE CAB guide to filling in the statement of Affairs on the bankruptcy sticky's. on page 9 question 18 its says " On question 18 always thoroughly check if you are named in a will." The thing is my father is terminally ill and things are very grim at the moment and I…
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discharged but previous creditor still chasing debt
my Oh has been discharged in august this year but for some reasons previous creditor 1st credit and wescot are now sending out demand. so he send back again my BR order and pass the letter to his OR. he is a bit furious with the Or after sending out their detailand letter fomr his Or to send it bavk out to him stating "…
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Mortgage Help
Hi everyone, need a bit of advice. We've been discharged bankrupts for over a month now - do you know if anyone helps discharged bankrupts obtain mortgages since the economic downturn - or do we just stay in rented accommodation? Any advice greatly received.
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you've probably been asked this 1000 times before ...
Hello all ! Long time readrer but 1st time poster here. I have a few questions and was hoping you knowledgeable people can help me. I live in a small town just outside Glasgow and i have my appointment with the CAB on thursday. I just have a question relating to what I can keep with regards to personal bleongings by going…
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Well I Finally did it !!!!
Well I finally did it, after all this time I went to court yesterday and declared myself bankrupt, just to let anyone know whos thinking of doing it, it was a very easy process and not as scary as I thought (not that it should be done lightly) I also want to thank everyone on here who has given me advice in the past, all…
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What is the difference between
bankruptcy and insolvency in terms of a LTD company, in Scotland? I'm confused about what I've heard regarding this and was hoping you might be able to explain it to me. Thank you :cool:
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Can a Bankrupt sign up to a mobile phone contract?
Just wondered if being bankrupt prevents me from taking out a mobile phone contract? cheers Mark
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20th Week Bankrupt
3rd April opened a Co op cash minder account 20th May 2009 Bankrupt 21st May 2009 2 Min Call from OR to say no Interview , no need to send any bank statements. 22nd May 2009 Welcome Pack Recieved and Return End of August NIL TAX CODE implimented. 8th Oct 2009 EDREV IPOQ recieved and returned. Checking Insolency website to…
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BR Update
Hi All Well heres a little update.....Still awaiting repossesion ....thats taking its time... Just about to send the keys in, see if that hurrys it along, its almost 8 months since the last mortgage payment was made....the 6 months free CT has just run out....there is no way we can afford to pay the required amount for an…
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Sheffield court
is it easy to find, i dont know if to find parking in the city centre....havnt a clue were or whether to park at Meadowhall and get the tram in, then i am not sure were i have to be from there...anyone got any ideas???
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Experian Report
In preparation for going BR I did a "free" credit report check with Experian. I have a loan with Lloyds which is showing as Status: "Default" and Balance: "Satisfied"??? Also shows that I have outstanding credit of only sums minus the loan? Can anyone explain this - is it because the loan has now been sold on to a debt…
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list of outgoings for SOA - is this reasonable?
Hi all, It’s my big day at court on Thursday and just getting my outgoings finalised on my form. Could any experts out there have a quick eye over my outgoings list to see if they all seem reasonable? I’ve seen a couple of other requests like this on the forum but some answers vary a bit! Anyway, I live alone, sometimes…
