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Going bankrupt & car is in partners name!
Hi, I have finally decided to go bankrupt as I have no other option really! My partner's father bought us a car in March this year. It was first registered in my name as my partner had points on his licence. He was also due to move in with me at the same time, but family problems on my side delayed this. He finally moved…
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house
hi had valuation on our house at 250000 to send to or.our mortgage is 237000 and a secured loan for 24000 so in negative equity.can someone tell me if this should mean that the or will let us buy the interest back and so they have no further interest in our house thanks
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No ED for some...
The poor lamb didnt get an ED then.... :confused: http://www.newsoftheworld.co.uk/showbiz/564446/Kerry-Katona-will-do-pub-appearances-for-FIFTY-QUID.html
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Had BR hearing this morning
Just to keep everyone updated: I attended court this morning and got OK'd for the £150 reduction which was good news. Just when I thought everything else was going to be straightforward the clerk got to the page which stated I had been in an IVA. The IVA failed in March 2009 and he needed to see proof of this before I…
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Credit File Clean Up - When's the best time to start?
Hi, Sorry if this has been answered or if i've missed it somewhere, or i'm having a blonde moment and it's a daft question :p :rolleyes: Can you only start your credit file clean up once discharged or can you start the ball rolling in any way while still bankrupt? Thank you :D
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SOA - Question
My OH, who has been on the sick, so does not have an IPA at the moment will be starting work again soon. We will need to inform the OR and do a new SOA. Following a rough year he is living with his mam in her spare room, so i'm a little confused how his SOA would look. Does he put 1 adult and just the board he pays his…
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Credit file - How to rectify 3 x duplicated information for each creditor?
Hi People! I received my credit reference file and it does not show one of my bills I haven't paid anything towards yet, even though the letter from the creditor said it was applying for a ccj several months ago. I came across the bill last week when I was having a clear out. Do I put this on my SOA and state that I am not…
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Car Bought for Me, will OR have an interest?
Hi All I am, all things being equal, going to be declared BR next week, my car which is currently on HP will be going due to the BR. My mum has kindly offered to buy me a cheap run-around once the BR is over, and i can then pay her back once discharged. My question is, if she buys it for me, and it is registered in my…
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saving account for undiscarharged bankrupts
I have read that YBS do an account for BR's but i cant seem to find it on their website. Would be very greatful if someone could post this or provide info for any other savings accounts that are out there. Also does anyone know if BR's can hold Premium Bonds? thanks, B-man
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repossession
hi me again folks. well ge money were supposed to be going to court on 9th october in regard to gaining an order to repossess property. I have never heard a word and am thinking they haven't showed at court. if they have how long does it take to notify myself. I move into my rental property on wednesday. I have contacted…
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Three Years to the day - a reflection.
I could not let today pass by without comment, as it is now three years to the day since the High Court Judge announced those life changing words - 'At 11.26 on 26th October, 2006, I declare you bankrupt.' Most of you already know my story, so I will not bore the rest of you - suffice to say, as per my signature, that I…
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Any Ideas??
I have a friend who has just offered to help me with my bankruptcy fee :o embarrassed but very grateful I live in Barnsley South Yorkshire what and who do i need to contact now to petition my bankruptcy?
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Help! What do I tell chasing creditors??
I'd really appreciate a bit of quick advice from those of you who have already gone BR - my mortgage lender has started chasing me (I assume because they can't get hold of my ex) and I'm just not sure what to say! I've avoided picking up the phone so far but can't do that forever. I'm going to go BR in January probably -…
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I find myself in a strange situation
What a morning. I thought I would checkout entitledto.co.uk just to see if we're missing anything that could help us out. Seems we can claim £19 a month housing benefit. I feel so strange. I've never had to claim for anything in my life, always worked and now I'm 'being a proper mam' being at home with my DH working to…
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Business Insurance while Bankrupt
Hi everyone, Not sure if anyone can help or advise. Obviously as a bankrupt you can not operate as a director or financial controller of a business, however you can continue to work as a sole trader self employed. BUT... I am trying to set up a Public liability insurance and cant take out the policy due to being bankrupt.…
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Abandoning a property
Hi all I've spoken to my mortgage company today to confirm I wish to voluntary surrender my property. As I have refused to sign the voluntary surrender form (liable for shortfall if I do) they said they would go down the route of an abandonment. Basically an agent would call to confirm the property is vacant and then they…
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Water Bills
Hi' I saw some threads on here about water bills for the full year being included in BR but I can't find them again! Can anyone point me in the right direction ? (my water company has just been on the phone saying only charges up to the date of BR are included and they're sending me a revised bill for the rest of the…
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Moon Beever Query?
Hi all, Just received a letter from Moon Beever for DH about his nil tax IPA. They are requesting last 3 wage slips and all future ones too. I have got Octs and Sept but Augusts is with the OR although I have a photocopy of it. Does anyone know if MB accept copies? If they do I would rather send copies of all the payslips…
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Second Time Around?
I went Bankrupt back in 2001 with debts of around £10,000 and sadly I now have debts of around £8000 possibly more I’ve not really added them up... mainly achieved through my own mental health problems which are now more or less under control after a year + of therapy and now finally being on the right medication. For the…
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Paying to go BR
Has anyone used a Credit card to pay for there bankruptcy that is part of there bankruptcy petition I know some courts take cards and I was thinking of doing this. Oregonuk1
