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Dead accurate or Not
I would like to know do you have to be very accurate when you put down how much you owe to credit cards loans in you bankruptcy petition just that by the time they her my petition my figures will be out of date by a month will this matter with the Official receiver?. Or could this effect me could I end up having to pay the…
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IPA post bankruptcy
Hi all I was discharged last week from br however last year I entered into an IPA which after consultation initiallly with MOONEEVER I stopped paying as I was off work with a long term illlness from which I am still off.Ihad a letter this week however after my discharge asking me my income and expenditure now I am still…
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Voluntary rep of house or add to Bankruptcy?
Hi guys, Been reading a lot of posts here and appears that many posters are voluntary handing their keys to lenders? Is this better than included it in the B- have i missed something. I am in about 5 months arrears, with overdue service charges and work to be done on flat. Its not in negative equity as I had about £15k…
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Really want to keep my JOB- Please help.
Hi guys, I am in the process of going B. For the last months I Have managed to battle through all the negatives and fears i.e loosing my home, living beyond my means and credit rating that i suffered for years trying to maintain. The worse that could happen really now is loosing my job, I know from helpful posts here that…
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Bankruptcy
A fate worse than debt
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contesting ipo court rulings
I have informed that the OR has gone for ipo from the courts. Can I contest the OR figures in court. Is it possible to see the OR's calculations. Please advise.
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Tax Refund to me or OR?
I became BR in May 08 (i had loads of support from you guys so thank you), i received ED in nov 08, Aug 09 got a release from trustee letter. I was notified on Friday (Oct 23rd 09) that i am due a rebate of £1350 for my self assessment for last year (08/09) which includes my expenses. I originally had to complete a p87…
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Is there Mortgages after BR?
I just wondered what anyone's experiences of trying to get a mortage after BR are? My Oh was made bankrupt a year and a half ago and discharged earlier on this year. We managed to keep the house and I bought out his share of the equity. We both work full time and I would think our house is worth either the value of the…
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service charge after br
hi all went br about a month ago and all is well. one question though , i have moved from my flat stopped paying the mortgage and am waiting for repo, there is a service charge and ground rent on the flat also that i am no longer paying. will the arrears for this while im waiting for the repo also be included in the br??…
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Can i get Phone Contract after being declared bankrupt ?
Hi guys i went bankrupt back in june and im now much more happier in myself and sorting my money out etc everything went well. I now live away from parents and was thinking of applying for a mobile phone contract so i can keep in touch with them on a regular basis but im wondering if i am allowed to do this whilst being…
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DMP and bankruptcy
I am currently in a DMP after my IVA failed due to the repayments becoming unaffordable due to a loss of income . The company transferred me to a dmp and I have £32500 debt. Some of my debts are defaults on my credit file - Do I still have to contribue anything to these creditors or could that money go towards paying off…
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credit card zero balance
hello, just before i went BR 3 months ago one of my credit cards was at zero with a thousand or so credit limit, it still seems to be open which for me could be very useful as an emergency backup etc once discharged , i get the impression it will not be closed unless the bank (one of the world's biggest) close it but they…
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self employment earnings
Hi i am going bankrupt in a month and just want to know if I will need to provide my bank statements to prove my earnings - I don't have an official set of 'accounts' as I only earn about £75 per week. What proof will they need or do they automatically check everyones accounts when filing for bankruptcy?
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Iva question?
A possible new job could put me £360 over the allowed £100 excess on my SOA forwhich i'm living to the penny at the moment being out of work!!and i really want to avoid any IPA the OR may apply...so... Just wondered if these work expenses that eat up that £360 amount sound plausable to you guys? PETROL: 25 miles each way…
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Advice need - repairs on house been repossessed
Hi all I'd really appreciate some help please. I haven't paid my mortgage for 4 months and moved out of my house when I went BR in July. I wrote to the mortgage company last week advising them I wish to voluntary surrender. Today my old next door neighbour's landlord says that the lead flashing on my chimney is faulty and…
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Power of attorney!
I am presently POA for my mother, I know that once I am declared BR I can no longer hold this position. Is it better that I relinquish it now or wait until I am declared BR? All that is in the account is money for her nursing home fees, funeral plan and a life insurance. She also has her pensions paid in to the account. Do…
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SOA comments/advice please
Here is my SOA just wondered if there is anything I have forgotten or overpriced :confused: . Any comments/advice welcome Thanks IJKS Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars…
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Bit of help
Hey everyone! I was wondering if anyone can help on this. My mum wants to go bankruptcy but my father and my mother are separated and my father refuse to take her off the barclaycard and normal account. What happen when my mum files for bankrupty as if this take my father account my mum will be in big trouble with him as…
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Discharge of Orders Notices:
Just noticed on London gazatte a search for Discharge Notice on London gazzatte Do we all end on here
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Did you remember to put your clocks back???
We didn't... :mad: :mad: :mad: I know ~~~ It has nothing to do with BR :confused: :confused: :confused:
