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Can anyone answer this Question please?
Hi guys I hope someone can help me out with this question. I have a Scottish Protected trust deed which is the same basically, as an English IVA. I have 8 months left to be debt free (Yay!) :j My trustees have just sent me my usual 6 monthly income and expenditure form. Since I filled out the last one, my boyfriend moved…
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Worried!
I went to court last Friday to put in my papers. The court is 20 miles away and I had no idea what to expect as I've never been inside a court building before. The court is a combined county/crown court so I found it incredibly intimidating with all the barristers in their wigs and gowns milling about. I had to go through…
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OR interview tomorrow
hiya all Got my OR interview tomorrow at 2pm im not worried (yet) i have read on here to keep calm and stay cool and as alot of you say its not as bad as you think so fingers crossed :money:
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Please urgent help for my lovely nan.
Basically I went bankrupyt a year ago and was the best thing I have done. But my nan, A 60 year old lovely ladie is now having serious problems. for as far as I remember she has always been skint but just manages to pay her debts, missing payments regulary and things. She is married but they have just split up. Recently…
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Contract phone once bankrupt?
Hi i was declared bankrupt 2 years ago and discharged last year. Ive just been offered a contract business phone on 3 network. I have tried to get a normal contract and not had any luck at all, not even a call back. However, not sure if its a good deal. Its a 24 month on 3 with a skpe2 phone (which are only £50 in shops),…
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no default date
What do you do if a creditor has not put a default date on your credit file,it says a default amount, and a 'd' in the months section, but does not put a default date, my hsuband has now been discharged.All it says is up to date, but he added them to his creditors list in feb. It is his old orange mobile bill.
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19th Week Bankrupt and EDREV
been bankrupt 19 weeks today and recieved EDREV. can you give my SOA a once over please Income is Incapacty, War Pension and Post Office Pension Car is Motability so no Tax or Insurance though put down maintenace for oil screen wash and car wash Parking as cant use blue badge all the time Rent includes utilities etc…
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best thing i eva did thanks for you help
hi havent wrote for a while i was made br on the 5 aug best thing i eva did wanted to thank you for all your help... but now im trying to help my parents do the same thing so need a bit of help for the they have there own house lots of debt i was just woundering would the or take their van as its the only vehicle they have…
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Discharge a year+ ago, but can't get a current account
Discharged in May 08 after being bankrupt for a year, and have had a basic account with Abbey for over two years now. I set it up about a month after being made bankrupt (in June 07) and have been using this ever since and have never fallen into debt since (I have no credit cards, loans, ODs etc). However, I applied for an…
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What is nil tax code???
Hey all! Nil tax code keeps on popping up in threads I'm reading, but I have no idea what it is...can anyone help me out!??! Thx!!!
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NT code keeps being applied
Hi Guys, I went BR on 23rd October 2008 so approaching the discharge. I'm on an IVA too. This is the issue I'm getting a bit annoyed about - I went on to a NT code which they wrote saying I should tell them if it continued to be applied after April 2009. It continues to have been applied right through every month since.…
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PHEW....OR interview done
Just had my telephone OR interview....took 27 minutes. Nice Lady, just asked why I was unable to meet IVA payments...explained non-dependent had left home so £150 less income....that was fine. Asked if any of my personal loans had been topped up......No. Explained automatic discharge in 12 months....although in my case…
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My BR hearing experience.
I have posted this on the October 2009 bankruptcy club but thought I would make a new posting of it as many site users may not look at that thread. That's me done. As has been stated before it really isn't anything to get too stressed about on the day (didn't stop me though). The court I used operate a system where you pay…
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My first step on a long painful journey - Bankruptcy need advise please
Can't afford not to go BR - Can't afford to go BR :confused: Ok. So after months and months of contemplating BR today I have taken the first step (and the hardest) to filing for BR. I feel so many emotions at this point but I'm trying very hard not to beat myself up and get on with it. Not sure I'll manage but I'll try.…
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Should I?
I've thought about going BR quite a bit over the last few months..... Basically I've got £35k of unsecured debt (£15,500 loan, £5,100 van lease, £14,400 Credit cards). This is not the result of gambling, drugs or drink! In 2006 I walked out of my marriage, but continued to pay the mortgage on the home (valued then @ £160K)…
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Urgent before o.r. Takes my vechiles. Some profecional help/ advice needed please
URGENT BEFORE O.R. TAKES MY VECHILES. SOME PROFECIONAL HELP/ ADVICE NEEDED PLEASE I have followed your forum with great interest and read some great advice so I am hoping somebody can possible help me. I have just been declared bankrupt 5/10/09 and my question is with regard to my vehicles I am self employed and will be…
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Could you please help me get this straight?
Right, confused. Muggins here is bankrupt. The only reason i'm bothered about my credit rating is to get a mortgage down the very long line. So for 6 years (is it from the day of my BR order?) I will have a big fat BR on my file. Yeah? So nobody is going to give me anything really (I know they probably will down the line…
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I'm in shock!
Just read Sieve's post about early discharge and thought - oh I'll just have a quick look on the IIS website to see if I'm still there. Lo and behold I was discharged on 26th September! (BR March.) Can't believe it - it's over, I'm through it - totally gob-smacked and feeling 'numb'! Just like to say thanks to everyone who…
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Can you refuse to do a SOA for ED?
Hello everyone :) If you remember me I'm sorry for not being around very much, it was so all-consuming, BR, that I really needed to forget it for a while IYKWIM? Hope you understand. I haven't heard from the OR so I'm hoping that's good news, no problematic creditors either. But I was wondering about early discharge. If it…
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F.A.O debt doctor
Hi debt dector, Did you get my PM? If you can't help just let me know. Many Thanks Swampmonster
