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Please Check My Revised SOA
Hi I have recently moved into new rented accomodation and need to do a revised SOA. Can somebody please look over it and tell me what they think. Thanks in advance. Household Information[/b] Number of adults in household........... 1 Number of children in household......... Number of cars owned.................... Monthly…
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Car HP please explian
We have a car that the OH needs for work but on HP. It is worth more about the same as what we owe, but assume that it has to go because of the HP and BR? So what does OH do for transport? are we allowed some £ tro buy another motor? OR Do we rent/borrow one off someone we know? Any comments would be a great help. Picked…
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quick question
hello to all, can someone answer this question for me? is there a set amount that your debts must be over before you can apply for bankruptcy, a friend has been told by her c a b advisor that a dro is her only option as her debts are less than £5000? thanks in advance for any replies. :confused: madmaddoc
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Bad Day, feeling down
Hi Everyone, Need some support today, we went BR on 2nd July, still not heard about BI in the house as OR wants hubbys payslips for the month of October to see what overtime he is doing. It is a joke, he got paid today all £230 of it. £150 has to go to the nursery, £30 in the car for petrol, £30 on food £10 on…
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ISA's
Hi, Im getting dishcharged on the 24th this month after a long year of bankruptcy. I applied for an ISA a little while ago and was turned down due to my bankruptcy, I was quite shocked as I didnt want credit just somewhere to save. Does anyone know of an ISA I can open now? If not will I be able to open one after the 24th?…
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BRU - A few questions
I have posted on here before and i am aware that some of the questions i ask will of been answered previous somewhere - 1) I have a BRU due to past problems, however i have received no certificate of discharge. I believe i have to pay for this but will i get one as i have a BRU ? 2) Also when i received notice of my BRU…
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The CSA & Bankruptcy
:wall:These Guys have Arrested a 3rd of my wages and now have im in sh** street and because of other Arrestments/Debts ive got i have go bankrupt And The big Q is will my Csa Debts go when im made Bankrupt:confused: I now Know What it's Like to Have No Money For Even Food many days Before i Get Paid ...And It's Not…
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Might lose car tomorrow
I have been waiting since my OR interview beginning of Sept for news on our car and whether the OR will allow us to buy it back. The OR said he would give me an allowance for a car as I need a car for a p/t job I am in process of getting. My DH has use of a company van to get to work. Got a call today from the car recovery…
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Well thats 1 way to pay your debts!!!!!!!!!!
Forget the champagne and rose petals — Pamela Anderson's idea of a romantic night is using sex to pay off a poker debt. The 49-year-old former Baywatch star has revealed she succumbed to a poker player's sex request in order to pay off her $250,000 gambling debt — and then fell in love with him. "It worked out, I liked it.…
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Will my accounts be closed??
Hi all! Will be going bankrupt due to large shortfall in our flat when we give the keys back for a voluntary repossession. (can't keep up the payments). I am hoping, especially as we have now stopped paying the mortgage, that my main bank account with the Nationwide will not be in debt, does that mean they'll keep it…
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quick question please?
Are cheques made payable simply to "The Insolvency Service" when you are arranging to buy back things like Life Insurances or the Beneficial Interest in the property? Finally got my act together and have written the letter and enclosed the valuation and the mortgage letter with balance owed, plus a cheque for £50 to buy…
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Have I been naughty?
The only bank account pre BR I didn't owe money to was Abbey, for some reason they never closed my account and I asked the OR the other day if I could use this account as I'm fed up of not having a cheque book. The OR said it's my account to do what I want with. When I rang Abbey a moment ago to ask for my card to be…
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Bankruptcy is it for me?
I am currently unemployed and receiving job seekers. I live in one of the UK's highest unemployment areas and have lost track of how many jobs I have applied for :( My Finances are very easy they are as follows: Income (per month) £220 (Job Seekers) Outgoings (per month) £130 (Rent) £15 (Mobile Phone) £10 (Hair Cut) Now…
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BR and being on benefits
Hi all, I declared myself bankrupt on the 29th September 2009, and have the interview with the OR on the 6th October 2009, I've been looking through different threads and had some of my fears put at ease by them but I have one worry that seems not to have been covered. I'm on Income Support and in receipt of Child Benefit,…
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Just a word of Thanks....
I have spoken with a lovely lady from the National Debt helpline, and she has given me all the assurances and advice similar to what I have been getting her. So thanks to you all so much for pointing me in the right directions! I am stopping the CC payments and opening a basic account, and will start writing my letters and…
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Car Insurance companies that accept monthly payments?
Just spoke to Adrian flux and they've said 'NO!' i asked when i would be considered for monthly payments and they said after 5 years. I asked about after discharge and they said 'no -after 5 years'! yet they have offered me a really fantastic insurance quote but they want payment up front! Only thing I can do is ask my mum…
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Rtlu
Once your file has been passed to the RTLU do you contact them if your income changes? Any experience of dealing with them?
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Devastating blow
Haven't been on here for a while, haven't posted either. For those of you who do remember my earlier posts, I have been struggling with the idea of BR for the whole of this year. Not so much doing the deed but losing my home. I've worked my figures so many times just to see if I would be able to do it. Was almost there.…
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BI & Vol Repo
Hubby and I were declared BR in February and we have our house mortgaged with NR which is heavily in negative equity due to two secured loans on the house. We had thought we could afford to keep it and agreed a payment plan with Northern Rock but the arrears just keep mounting up and I am feeling a little paniced that we…
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Possible Second Bankruptcy
I declared bankruptcy in 2002 and was discharged 3 years later, no extenuating circumstances caused it, just my own stupidity and mismanagement. Two and a half years, I got the chance to buy my house from my local council. Because of getting a nearly fifty percent discount, I had no trouble getting a mortgage, and a few…
