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Electricity prepay meter and BR
Hi I have my BR hearing this wednesday and need some advice on my electricity arrears. I had to cancel my DD debit to British Gas last month to use the money for the last of my BR fees. I already have over £300 in arrears with them as well. I realise that I will probably have to go on a prepay Meter. Should I telephone…
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question about our house
first of all would like to say hello to everybody. my wife and i were made bankrupt in august and a huge wait was lifted of our shoulders by doing this, we have had out interview with the or and all went ok. the problem now is that we want to stay in our house that we bought but we must pay the or to live there, our…
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Failing IVA - what about my contributions?
Hi all, My husband started a previous thread a couple of weeks ago re failing or IVA in our last year... to cut a long story short we are failing this arrangement because our supervisor is making unreasonable demands on our money - they want 13 more payments - 5 of £709 & 8 of £864 and our I/E shows us as having £625…
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Barclays - help needed please ( a bit of a rambling question sorry!)
I have got a current account with Barclays which has an overdraft on it. I have managed, due to household expenses to go over the overdraft and into the reserve oncurring charges of 22 pounds every five days. The problem is now that overdraft fees and bank charges from last month have been added today making it go over the…
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Early Discharge Questionnaire!!!
Hi everyone, I received a letter from the OR on Friday regarding the possibility of an early discharge :j (went BR 1st June 09!), and have been asked to complete and return the questionnaire. Nothing has changed from my original SOA, but im not sure what to put in the 'Take Home Pay' box. I have a nil tax code IPA, so…
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I feel like a criminal!
We've not been on for a while as we have been moving house and getting settled. We have been saving up for the last bit of our bankrupcy fees (still not quite there yet) and with the move and phone number change, the letters and phone calls stopped. On Thursday someone called my mobile from a debt collection agency, hubby…
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Another Question
Thanks for all the advice so far! We are planning on going BR at end of November but my worry is that, as my salary will be paid early in december (18th) is this enough time to go BR and open a new Bank Account for my salary to be paid in to?
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waiting for 4 weeks for cab
Morning all, i post a few weeks ago re: looking into BR. The only way i could get through to CAB for advice was filling in a form at my GP's surgery, was told to wait for an appointment in post or a call. 4 weeks today and im getting really worried, i will of course chase it up and am thinking of looking else where…
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Bankruptcy - no contact with OR
Hi, I made myself personally bankrupt in may 2009. All went well as could be expected. My outgoings are as much as my incomings so they are leaving me alone on that front. However my wife is now earning more, as one of the reasons they left me alone was that she could not afford to pay half of the household costs and to…
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will my fridge be taken
i wanted to know if i go bankrupt and include my credit card of which i bought a fridge will that be taken. what other household items are considered. thanks
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Moonbeaver
How long does it usually take Moonbeaver to get in touch after you've seen the OR? And how do they arrange payment collection? Do they automatically start taking it from your account or do they ask you set up a direct debit from an account of your choice? I've not actually had anything from the OR saying that they've…
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Appliance included in BR has blown up
A household appliance i got 10 months ago and was included in my catalouge debt has blown up, it was under the makers guarantee as that lasts for 12 months, will i have to pay for the repair under these circumstances. The extended warranty was cancelled but i am trying to get the repair under the makers 12 months…
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Question about a car whilst in sequestration
Hi, first post so i'll try to keep it straight forward and to the point. Currently in sequestration which is due to end in march 2010, as part of sequestration the trustee took on the finance of our car and my monthly payment includes having use of the car. The original finance agreement for the car would have ended in may…
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Early Discharge
Hi all, I went BR in May 09. I just got a letter asking my incoming and outgoings as I may be able to get early discharge. Trouble is I'm not earning anything and just applied to claim job seekers allowence! My GF is paying for EVERYTHING. Shall I just put on the forms that I am claiming Job seekers and that i am not…
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Bankruptcy and christmas
I was declared BR nearly 3 wks ago and am panicing as to how Im going to afford christmas this year......obviously I'm glad I no longer have credit...and never want it again. How have others coped with this time of years costs?
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Trying to clean up my credit after BR
Hi, I've been discharged from my BR for almost 10 months now and I'm in the process of cleaning up my credit file. I checked with experian and everything is good apart from my Abbey account. It still says that I've defaulted. I have sent them a letter requesting that my file be changed to satisfactory, but now Ive just…
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Joint responsibilities going bankrupt
I have a joint loan and mortgage with my ex partner, I go bankrupt next week then he is going bankrupt at the end of the month. Will the joint loan and mortgage automatically be passed over to him then be dealt with in his bankruptcy? Just wondered whether the sale of the house and neg equity will be dealt with in both BR…
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Question about terminating mobile contract
I have my mobile contact with O2 and just signed up to a 2 year contract 3 months ago (also purchased a phone from them). I have no debts with O2 but considering the budget restraints I will be facing i have been contacting non essential companies to see if i can reduce my outgoings. When I spoke to Sky they were happy to…
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The difference between.
My parents have been looking into making my mum bankrupt, after her business failed. I have come home to visit with them today and have found out the bank has sent a letter saying that they are going to make mum bankrupt. My question is, what is the difference between being made bankrupt and choosing to go bankrupt…
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Bankruptcy, you'll deal with it.
It is one thing for people, with the kindest of motivations, to try to give you information - any information on any subject, but after a while all that information becomes very confusing and you struggle to remember it. With regard to Bankruptcy, however, I think I can help you. If you own nothing of great value I can…
