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Sorting myself out - the chat with CCCS
Phoned CCCS today to start the ball rolling and it rolled straight into a brink wall ! I'd filled in the form online and was quite prepared to go through some things but I guess because my situation is not straightforward and doesn't fit in with their "tick sheet", we didn't get very far at all. I found the process utterly…
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Warning cryptic post ahead!
Removed in protest Pride comes before a fall……….. And Ego is just waiting to trip you up Martin
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Help for my Mum Please!
Hi Guys Am kinda new on here but have been lurking about for some time - I think the site is really good, helpful and supportive. I am writing on behalf of my Mum and was looking any help or advice that anybody may be able to give. I apologise in advance if this is going to be a long post! Basically my Mum split up from…
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Couple of questions 3 months on
Not been here for ages with returning to work after maternity leave, been so busy. Anyway two quick questions Went br in July and have just received a letter today demanding nearly £300, this was for a loan for a pc taken out over three years ago. When I stopped paying all my dd's a year ago I checked the paperwork…
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unsercured debt
hi all sorry if ive posted this in the wrong place After some advice please i have a certain amount of debt which i can no longer afford to pay due to a reduced income, i now have a lower paid job and wife has lost hers due to long term sickness all of this debt is unsercured ,old debts are also catching up £2000 with…
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Repossession notice from the court
Hi all, I have received the notice from the court today to say my mortgage lender is going to repo the house on 4th nov, i have replied on line to say im not disputing it and to go ahead with it, I have also put that i wont be attending court but it says on the letters that i have to, is this correct?? I really dont want…
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What are my options?
OK, im unemployed, been looking for work like mad and I have used up all my money savings. I have about £8000 on two cards and I did have a car on HP. The car has now gone as I cant afford the payments but I think they will issue me with a bill for the remaining term? this will be about £5000. I was with Debtline who did…
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Bankruptcy bro/bru
I was wondering if someone would be able to tell me me and my partner went BR october last year.She had a letter last month saying the or had finished with her but I didn't get one.Auto discharge date is 20th of this month but I was wondering if they can still issue a BRO/BRU after my auto discharge date as I have heard…
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Looks like this is it :-(
Hi everyone, I've already found lots of great info on here but I hope you don't mind if I post a quick outline of my specific situation to get some advice about my particular circumstances? I left my husband a year ago due to his agressive and unreasonable behaviour. I knew if I did it would cause me financial problems but…
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Edrev
So if your SOA hasnt changed what are the OR's looking for. Or is it just a process that has to go through seems a waste of time and money to me , maybe i am missing something anyone enlighten me
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Urgent advice needed re bank account
I think I may have done something monumentally stupid and I'd appreciate any help. My bank a/c has been a mess all year. HSBC have applied over £1000 in fees and I have been constantly overdrawn over my agreed limit of £500 by more and more each month. Last month I went under by £720 (total £1220 D). I've asked HSBC to…
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Declared Bankrupt today
Well we did it we went down to the court today and submitted our forms, it all went well the court official that dealt with us and did the initial paper work was a bit arssy at first but the poor so and so was on his own and rushed off his feet. The judge was great and we were told we would be seen one at a time but he saw…
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creditor has dismissed bankruptcy petition hearing - but whats next?
my husband was being taken to court for a bankruptcy petition hearing at the end of this month. The solicitors dealing with the case on behalf of the creditor has today sent us a letter advising him that they have received instructions from their client (1st Credit Finance) that they are applying to the court to have the…
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Warrant of Execution...am I safe?
Hi guys Just received a letter informing me that a warrant of execution has been served and that bailiffs are coming...my wife and I went Bankrupt in june this year and this warrant is for a debt that happened well before this. My BR does cover this doesnt it?.....do I just leave this alone as we have since moved out of…
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Advised to try here for advice...
Hi, I posted in another section looking for help and someone kindly pointed me here. Here is my original Post: I have no idea if this is even the right place to put it, but I'm so tired of my debt and desperately need help! I'm all in a tizzy with just trying to figure out how to feed the kids this week so it's a bit…
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BR fees
how much are the BR fees to go Bankrupty in the RCJ in London, please thank you
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Can somebody check my outgoings for my form
I earn 900E which is at present £825 My outgoings where I live (not in UK) are rent £375 per month electric (metre readings per month) approx £50 Water (metre readings per month) approx £50 Food (for 2 adults) anything from £250+ per month Mobile phone £40 per month (used for work) Internet in husbands name but I pay for…
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Charging Orders
I'm going BR on Monday. A couple of my creditors have recently gone for charging orders on our house. It's only me going BR and I'm also in the process of splitting up from my wife who's a joint owner on the mortgage. Does anyone know if these recent charging orders will impact on her beneficial interest as we're looking…
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Telephone interview with OR in court
I go to court on Monday, when i booked the appointment I was told after the hearing they put me on to the phone to speak to the OR for between 2-20 minutes. I no i should have asked them but is this likely to be the main interview or just some instructions on what to do next? Anyone else have to do something similar?
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What will the OR need to see?
Hi , I have my BR hearing on the 20th november.I am a sole trader and was wondering what paperwork the OR will ask to see,i am more worried about this than going to court as i have been totally disorganised due to the stress of my debts,any info or advice gratefully received,thankyou.
