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Help with SOA 6.28
Just a little background info first. I'm a self-employed private hire taxi driver. Which means I work for myself but I work from a company who provides me with the work from phone bookings, in return I pay them £95/week irrespective of how much I earn/do not earn. Now for my questions regarding completing the form. Name of…
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new to forum.. any advice please?
Hi, I found this forum this morning whilst googling for information about bankruptcy... Hoping for any advice anyone may be able to give... Sorry, it's a long post! My partner and I decided to start a new business in July of last year. Looking back now we were very naive and did everything wrong, but we worked so hard and…
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Been discharged since April....Still not got a bank account
Hi, I been discharged now for 6 months, went back into my local branch straight away after my discharge to open an account but they said I need to send away an application form as they don't open accounts in the branches any longer. So I did this but still haven't heard a thing, I'm still surviving by using my wifes…
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Got our date for beginnning of Nov.. couple of questions!
Hi all, Have spent ages filling in the SOA forms, getting the details etc, but now it seems we are done :) My partner & i are going Br at the start of November, but i have a couple of questions, if someone could help please! When filling in credit card amounts, or bank overdraft, do I just put 'approx' next to them, as we…
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After discharged
Husband was given early discharge just over a week ago, we got his credit rating and report online last night, grim reading. Made it hit home. Found it a bit confusing, the amount it said in total that was defaulted was far less than he went br for.I was confused with his old phone debt, it said 3 months ago 'd' for…
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possible early discharge
Hi I'm new here,this is my first post.I went BR in May and 3 weeks ago I received an early discharge questionaire, I returned it the same day,a week later I received a letter saying OR had finished with my case and was passing it on. Letter also said if they received no objections they would be filing for my early…
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failed IVA advice needed!
Hi I took out an IVA in 2005 and have made repayments up to July 2009. The original agreement was for a lump sum of 9k (from a remortgage in Feb 05) and a portion of any equity at term. They contacted me in 2006 by phone and asked for the lump sum to be paid - I told them I did not have as had been using to support the…
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Question re CSA arrears and bankruptcy
Hi, I've posted on here before for help and found it helpful, so here goes: my ex owes arrears and the enforcement team are in the process of taking him to court. In an earlier conversation I asked what was stopping him becoming bankrupt and was told that this debt would still stand, but today I have been informed that if…
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Early Discharge
Just a quick note to say "thank you very much for the help and advice over the last year". Whilst I have never posted on this site during that time, just being able to come here and read about the expeiences of others who were going through the same situation as me was a fantastic help particularly at times when it…
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Joining the AAT with adverse credit
Not me my best mate got into bother about 2-3 years ago wtih about 20-25k of unsecure debt card loans and 3.5k natwest hanging rope I call it. He is in a debt managment plan with a company and decided not to take the IVA route so he is paying off all his debt at the mo and has done for over 2 years. He now wants to be a an…
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Clearing CCJ's after being discharged
Hi I went bankrupt on 01/02/2008 and was discharged on 01/02/2009. I have recently checked my credit with experian and equifax and noticed that there were 2 ccj's marked as unsatisfied which were included in my bankruptcy. I have spoken to Northampton Bulk County Court, the solicitors who hold the ccj's against me and the…
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Scottish Laws, Bankruptcy???
HI Everyone I have found this site very interesting and helpful. I do have some questions though and was wondering if anyone could give me some much needed advice and answers!? I live in Scotland and my financial situation has changed drastically. We cant afford to pay our creditors and mortgage. Im not worried about…
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update on bankruptcy and a repossession question?
Hello again we wnet br back in feb and have just had a letter saying that we have been moved to rtlu dept? i believe this is good news the question we have is regarding our house repossession The house was repossessed by c&g in Aug[our mortgage company] and is now under offer but last week we had a letter from local court…
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Very naive debt ridden newbie question re bankruptcy
Do you have to seek advice from one of the debt charities before you go apply for bankruptcy and does bankruptcy always cost a huge fee
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Letter from building society re non payment of mortgage, advice please!!!
Hey all! Having decided to go ahead with voluntary possession (can't keep up mortgage payments) we cancelled mortgage direct debit, so no money went out on Oct 1st. Received a letter from BS (Manchester) this morning (wasn't expecting anything so quickly!) acknowledging cancellation of direct debit and requesting payment…
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Good idea, bad idea, dodgy ?(I hope not) idea before going Bankrupt?
I hope this doesn't seem like a dodgy question. A naive question maybe but not intentionally dodgy! I am about 20k in debt and not out of work. I have 50k of available credit. Is it better to have 8 different debtor’s (people I owe money to) when going bankrupt or would it be better If I could have all the debt in one…
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Will lose my life insurance if I go bankrupt?
I just wondered if I will lose my life insurance if I go bankrupt. The reason I'm worried is the bank I have my life insurance with I have just gone over my overdraft with :o Will this make my LI void. Will I have to start over? I have had my LI 10 years and had a pretty good deal then I pay £15 a month for 168k cover. But…
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Is this really the end of the IPA??
Hi again, I posted last week about hubby's IPA. In brief, we were both discharged in Sept. Hubby had an IPA but I didn't. Just before AD my hours at work were reduced and we informed the OR and Moonbeever, expecting hubby's IPA to be suspended in case our income improved again. This morning hubby received a letter from…
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Early Discharge - A quick question
Hi Hopefully some of you experts will know the answer to this. I received a letter from the OR regarding my early discharge notice, which included form 6.82 from the court I was made BR. This form states that I am discharged as of 25th September 09 (exactly six months from the date of my BR). At the very bottom of the form…
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Bankrupcy advice
Hi we're thinking about going bankrupt and we need advice! Can anyone please advise me on secure debts, what is written off and what is'nt? Need to know if it is worth going BR or not, dont want to have any debt left afterwards. What about bank accounts, i have a credit card with the same bank as my current account, will…
