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Bankruptcy - do i or dont i ?
Would really like some advice on how to do it and when to do it ??? is there someone who has been there and done it ? I have a mortgage and a secured loan and lots of ther debt..no equity in my property. But due to the fact that i hate where i live and want a fresh start am happy to give it all up !!! Have been told by one…
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Will our family's credit chances be affected
Hi everyone, just a quick question -our son who is almost 18 and lives with us is considering credit for a car loan in the next twelve months or so. Will our BR affect his chances do you think? - Thanks
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Horrified!!
Did anyone read about the woman who killed her son and tried to kill herself because of her debt problems and creditors hounding her night and day? Its just such a shame she didn't find this forum or any other help. Poor woman!
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Car Insurance - advice please!!
Hi, folks At my OR meeting the examiner asked who my car insurance brokers are. I asked if I need to tell them that I am BR. He said No Threads here suggest it does affect your car insurance. Advice desperately needed please!!
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IVA or Low payment DMP
I have been on the CCCS site and done the debt remedy. It advises an IVA or low payment DMP. It calculated that I would be debt free in 15,yes 15 years:eek:. IVA looks like the favourite option, does it cost to set one up? I have little to no equity in the House, but read somewhere they can claim any future equity, it also…
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Currently in an IVA - now a student - can't pay it
Hi My story: I was in the RAF for seven years, racked up loads of debt then decided I wanted a different life. Got into an IVA which I've been paying for 3 years. I got made redundant in august and I am now a full time student at university. My redundancy money wasn't much and its gone cos I needed stuff for my flat…
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Bankruptcy and getting employment
Hi I went bankrupt in July of this year and have been unemployed since, I have now found employment and had a few questions.Would appreciate it if anyone can help... Do I need to tell the OR that I have found employment if I dont how do they find out? If I have to complete a income and expenditure sheet how much do they…
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New laws planned on repossession - Scotland
http://news.bbc.co.uk/1/hi/scotland/8286883.stm Will have to find out more on this. Especially the bit about more protection for the home in Scottish BR.
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Mobile phone when BR (monthly)
Hi Just wondering what peoples experiences of their monthly contracted mobile phone packages was. If you haven't included it in your BR do you just still carry on using it as usual and the phone operators not bother about your BR? Do you still get offered the upgraded phone when the times comes ? Or do they just let you…
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Desperate, advise please?
Hi everyone, i am new here. I will breifly explain my circumstances. Hubby was made redundant back in april 09, myself in may 09 although i was only working part time with very little pay OH was main earner. He recieved quite a good redundancy package and we have been able to keep afloat and pay everybody thankfully,…
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things that we buy
hi peeps hope we are all well today..i just wanted to ask if anyone had,bought anything after b.r.that has caused comments by so called friends an family.col an me have bought a ragdoll cat he is not got any papers so he was....dare i say it £50 i thought this was good,now i find myself having to justify my little kitten…
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finally got the guts to face up and go bankrupt
Hi all quite new to this site only been on a few times before, I have recently decided upon bankruptcy after seeking advice from CCCS. In my debt advice sheet it advises me that there are some utiliti companies that offer help towards bankruptcy fees, does any one have any idea which companies these are and what are…
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Question about my house
I have a property owned with my ex partner, neither of us live in the house and have paid all payments up until this month. The house is in negative equity, my ex has let friends stay unofficially paying rent and he has asked them to move out end of this month. I cant send the keys back for voluntary repo as I dont have…
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Seven Trent water rant
:mad::mad: - despite quoting insolvency law at them, (very nice lady) seven trent say thier scheme of charges over ride bankruptcy law and its ok with OFWAT - she said she has taken advice from thier legal department and the solicitors advice was nope doesnt matter what it says on thier insolvency manaul and the bankruptcy…
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1 year today
Since I went bankrupt- so I presume I am discharged? :jI am still on the insolvency register, but when i click on the details it says I was discharged today. How long till I'm not on it at all? SP
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Do I need to do anything?
I recently changed energy company and had arrears of £300 I paid £200 and was due to make final payment this month. However after being forced into bankruptcy I was advised to include the remaining debt in the bankruptcy and use the money towards the fees instead. I have had 2 requests for payment but recieved a letter…
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ED - EDREV Notice
If you get an EDREV in the post - Early Discharge review with an SOA, does this mean that the OR has concluded all their investigations and will not be looking for a BRO/U or for any other information? I have filled this in and sent it back - not really bothered whether I get ED or not but would just be nice to know that I…
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Equita
Hi All. Does anyone know if Transport for London Fines from Northampton C C are included in BR. Brov has quite a few from Equita who has not responded to his enquiries what incidents they're for !
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Please help
Good evening all, please bear with me on this one and hope im in the right place. My wife and myself left the military earlier this year, and went from earning a combined income of around £60k where we had no problems paying our mortgage and bills and enjoying a good standard of life to the situation we are in now. from…
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Water bill - can they bill me again?
One of our debts included in BR was water bill, as you know they run from end of March this year to the same period next year. As it is in OH's name, we have sent the copy of his BR to them. However, today we've received a new bill from them, in which they are billing him from the date of his BR, 27th of August, to the…
