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!!!!!! - council tax
Sorry for always being needy on this forum, I feel like I take so much out but have nothing to put back in if you know what I mean... Anyway, as you know we've got our BR hearing set for the 27th October. We're going BR as we both lost our reasonably paid jobs and despite us both getting new jobs they don't pay nowhere…
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Bankruptcy and partner's income
If your partner goes bankrupt, how does it affect your finances? All the forms I see ask for partner's income to be taken into account, but these debts were already there when we met (and then he fessed up and told me about them soon after!) My partner had his house repo'd last year and there was a mortgage shortfall of…
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Do you get a summary of all costs after discharge?
I got ED a couple of weeks ago and just wondered if you get a summary of all OR costs, monies they've recovered from BI, book debts, stock and machinery sales in my case. I reckon the OR has recovered just under 20k from my assets and I'm curious as to where its gone and who has been paid what. Ta
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How to open a new account in time for wages etc after Br day?
Hi all, I was wondering how long it takes to open a Co-op account? I plan to visit our nearest branch after going Br.. so we will have somewhere for our wages etc to go. My wages will be paid 7 days later, and the electric d/debit etc will all come out a few days later too.. so does anyone know if you can open an account…
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London rcj i am going br next week help please
Hi all again. Ok my flight is booked and I coming back to UK next week I am going BR on Wed in London (fingers crossed) I am just about to finalise my forms on line Now ............... I cant phone the court from where I am too expensive and on the works phone !!!! Can somebody pls advise urgently what exactly do I do and…
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Reposession Letter - would you take a look?
Hi All, I am after a bit of advice please, I haven't posted on the forum for ages but have lurked alot. We are now ready to send the keys back to the mortgage company, would you be able to have a look at the below letter and see if this will be ok? Dear Sirs, It is with regret that we find ourselves unable to pay our…
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m.b.n.a.bless em
hi peeps just got an offer too good to refuse..apparantly the m.b.n.a have sent us a letter saying if we could pay them before next wednesday a sum of £39 they will then refund us that sum.aww bless them they are the only company now hassling us still even though we keep telling them we are now bankrupt an here are my…
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refused bank acc by co op and barclays
Hi, I have tried to open an accounts from both places but been refused, is there any other options? john :confused:
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Sole trader - employer liability insurance/ professional indemnity?
Hi all I am a sole trader and about to go on maternity leave, my son will be covering some of my work so I obviously need to pay him. I am trying to fulfil my legal obligations and buy employer liability insurance and professional indemnity insurance which according to Business Link I have to have legally. However nowhere…
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IVA now without job, bankruptcy?
Hi, I entered into an IVA arrangement in April this year consolidating my debt of £70k into £390 pcm payments over 5 years with house equity taken into account. At that time I was in permanent employment. I was ‘laid off’ in August this year as a recruitment consultant on £20k basic, I am now claiming Jobseekers Allowance…
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Scottish bankruptcy discharge
Hi guys, i went bankrupt in Scotland in November last year (LILA route) and I am presumably no coming to the end of my year as a bankrupt. Does anyone know what will happen next? Will the AiB write to me to send out a discharge certificate or something? Any advice or info from someone who has gone through this stage would…
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baliffs, council tax and bankruptcy...
im due to go bankrupt next week, i have a possesion order from a baliff for a council tax overpayment, can this be included in my bankruptcy and can housing benefit overpayment be included also? these two reasons are why ive had to declare bankruptcy due to my old council asking for far too much money to repay the debts…
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Letter from debt collection agent
Hi, I went bankrupt on 3rd July, just found out we can keep the house (relative buying out BI), all going okay so far... Yesterday I received a letter from Capital Recoveries (a trading name of Debt Management Services Ltd) in respect of a creditor who was fully listed on my BR petition. They're trying to arrange a time to…
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bankruptcy confusion....
does the offical receiver perform a credit search upon you or check to see if you have changed your name or any other details? do they visit your home? anything anyone else has info wise please share, thanks neil.
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bankruptcy and change of name...
i changed my surname a while ago but now im declaring bankruptcy, all my debts are in my old name, do i legally need to inform the court/offical receiver of this?
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repo and br immediate advice needed please!!
Hi there! I am now facing repo and the court has given until the second week of nov. only to stay. I have yet to apply for br and the date would be on monday the 13th of this month. I have then a few concern and issues which I don't know the answer...please help. What will happen if after I declare br decided to leave the…
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maternity allowance
evening, i have posted this in benefit forum but no luck. so thought ill put it here someone might be able to help. i am preparing myself for bankruptcy and than this happens. I started my maternity pay on 1st october, was due to be paid on 15th October. got told today that i am not entitle for maternity pay. i have been…
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Children's Savings
I went BR in April using the Scottish Low Income Low Asset route. I was allowed to keep my current account and could have up to £1000 in it. My 3 year old daughter has a savings account which she uses for pennies she has saved up. She had the princely sum of £25.52 in it. Today I took her into the bank with £5 worth of…
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BR and employment agencies / employers
I used to contract through employment agencies, working for investment banks in London. I would consider doing so again but I have not had an agency interview for a decade and I don't know if BR would be an issue. The way the process works is that you meet the agency and have a meeting with one or two consultants. They…
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How to clean credit history from b/r 7 yrs ago
Hi i went bankrupt approx 7 years ago, i have now got round to checking my credit records with equifax and discovered that not only do 2 still show as default but the rest of my creditors were shown as settled in 2005 which is well after my discharge date. The question is i know i have to write to each creditor to ask them…
