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info needed from bank
hi everyone hope everyone is keeping as cheerful as possible! wonder if anyone can help? I am going br, got my date in less than a month. i took a loan out 4 years ago which i think was mainly 'debt consolidation' but looking on my credit report i can't quite work out what i cleared with this loan. i really need to find…
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Vol repo with Halifax
Just spoke to the halifax to find out what i need to do to repo the house. They said I would need to take the keys into branch and sign key surrender form. Bit worried about signing something after reading all the posts on here! If the key surrender form mentions liability for shortfall should i take in a letter ive…
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Telling landlord about poss bankruptcy
He is coming round on Saturday to cut down some trees in the garden and we are thinking about telling him what we are in the process of doing. He is a really nice chap and we are hoping he will let us stay, but I just wanted to check that our bankruptcy will not be detrimental to him will it? By that I mean the fact that…
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Castlebridge Credit Management
Interesting phone call just now. I was made BR in September. However, Castlebridge have received nothing from the OR yet. Because of this, they believe they were not included in the order and the debt still stands :rotfl: It's not all bad though....I can make a "holding payment" to stop the calls until this matter is…
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bankrupt and just won compensation question
hi there , im new here, i have a question and a problem that has just occurred , i was declared bankrupt in april i was unemployed at the time and split from my long term partner of 12 yrs , i have now found out i have won £53,000 in compo for an accident at work several years ago that has left me with a slight disablity…
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Bankrupcy and Benefits
Does Bankrupcy in any way prevent you from qualifying for benefits? I ask this because on another thread I was reading, where this person who was self-employed stated that he did not qualify for benefits, I was not sure if this was because of the self-employment or merely the bankrupcy? Thanks in advance NewStart09
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Tax Query
How does going bankrupt affect how you file your taxes? Business or Personal? If you went bankrupt before April 1st. Do you file for the whole year or only the period between the date of your bankrupcy and the April 1st deadline? Thanks for your help NewStart09
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has or /ip exempted car then asked v5
Hi guys wifes car has been exempted but ip wants v5 says will keep tillbankruptcy over is this normal procedure ps we are in scotland
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early discharge after 6 months 3 weeks! what now?
hi everyone jusr recieved a ltr to say i am now discharged so i basically need to know: what do i need to do now? something about cleaning credit files? my house was repo'd in aug and ive seen its for sale. its up for sale way under what i paid for it back in 05 so theres going to be a loss of £25k!!!!! i know that this…
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could moving home affect ed?
hi I may get ed in mid november, but i am also moving counties at that time. If I change my address with the OR would it delay my ed if I am eligible? I am setting up a royal mail re-direction anyway so will get any communication from them. Will my OR change if I move areas or will Liverpool OR still look after me wherever…
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They lied, I fought, they took possession, they say..
For those of you who don't know what I have had to go through to try to get Northern Rock to take back my property i'll give you a brief outline then tell you the good news, then the bad :mad: I called NR months back to set the ball rolling for voluntary repossession. The phone call was long because I asked question after…
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Failed IVA and car question
this is a test message.
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Advice re: completing the court fee exemption form (EX160)
Hi all, I'm actually posting this request on behalf of my mother, who's not too net savvy. Currently going through the EX160 and Section 3 makes mention of receipt of benefits. Now, my mother is in receipt of Incapacity Benefit (as a result of a nasty car accident a couple of years back) but it's not listed. HOWEVER,…
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Company insolvency advice please
My old company has outstanding tax debts which I'm not able to afford. I'm in the middle of closing the company account etc .. would I be able to liquidate the company and if I did would i loose my home? company was for a single contractor only.
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Barclays & Co-Op Account...where can I open them?
I went into my main Barclays branch last Thursday, asked to open a cash account but was told fill in a form, send it off; has nothing to do with us! I felt like a right criminal just asking. However I filled the form in wrong and got my Mum to get me another one yesterday from a different branch but they said they could do…
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how will personal bankruptcy affect my business
Hi. i am about to be made bankrupt in the next few weeks because of an old personal debt, i am going to fight it til the end but i have to be prepared that its going to go against me (as the application to have it set aside did). What im really worried about is i have a small business i set up with my brother about a year…
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I dont think my partner has learned her lesson!
As the title suggests, after declaring ourselves bankrupt in April and moving out of our home and into rented accommodation i honestly thought that my wife would have learned her lesson as i have. However i find myself becoming increasingly more frustrated be her blase attitude toward what has happened to us. If i try to…
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final salary + JSA, bankruptcy
After a period of short employment I will now be claiming JSA, HB & CTB. I have been struggling to pay my debts over a period of 3 years due to poorly paid self employment and previous unemployment. I will be contacting CCCS today to discuss my DMP which I can no longer pay due to current situation and I believe they will…
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What can the offical reciever take? (tax)
I have finally got notice from the tax office of the tax credit award for 2002/2003.This was due to me having a child in 2002 and I hadn't claimed it before. (I found out through this site) took a while to get the info together and items got lost in the post:rolleyes: It appears that the tax office have sent the repayment…
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final salary + JSA, bankruptcy
Hi After 4 short months of employment I am about to claim JSA, HB & CTB. I have struggled to pay my debts over a period of 3 years due to self employment poor pay and previous unemployment. I have been on a DMP with CCCS recently but now I no longer have a job I cannot keep up the payments. I will be phoning CCCS to find…
