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Discharged Bankrupt and debts abroad
Hi There, This is a tricky one I think but I hope someone can shine some light. I was discharged from Bankruptcy in July 2009. Having lived in Denmark from 2006-2008 (made bankrupt in the UK, December 2008). I ran up some bills whilst I was there which I am sure I had cleared off as. I went to vist a friend in Denmark this…
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Palatine search on credit file
Hi, I have a credit search on my equifax file from a company called palatine for an outstanding debt in April 2008. It shows up against my current address and my previous address (moved Nov 2006). I have no outstanding debt and none is or has been on my credit file. Does anyone know anything about palatine or know if a FOI…
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BR Reason? Is this ok?
Hi guys, Thanks so much for everyones help in my other thread. Does anybody know if the following is acceptable for my reason for BR? 'I have become insolvent as I have overcommitted on credit agreements and hadn't managed my money effectively. I originally obtained a personal unsecured loan to clear my credit card and…
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fathers will and BR
Hi, Is it adviseable to ask my father to change his will before i go BR , i would be entitled to half the house with my sibling, if anything god forbid were to happen to him . would any possesion still apply after discharge??
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Can BR be reversed
Hubby and I went BR last Monday and this morning I woke up in a cold sweat having had a dream that the OR turned round and said we couldn't be BR anymore (obviously not explaining why cos I was only dreaming) but I am kinda worried now that subconsciously I am worried that we will be "chucked out on our ear".:eek: Once the…
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Buy now pay later
Hi guys, i am going bankrupt tomorrow my appointment is at 9:50...eeek! I was wondering i bought some clothes from the catalogue on buy now pay later....before i was aware i was going bankrupt they are on the buy now pay later until October next year i believe, willl i have to give them back as i havent paid for them yet?…
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Ex is going bankrupt while my name still on mortgage
Hi all, firstly sorry if I am posting in wrong area I have no idea where to start. Right so me and my husband split 7 months ago, we still have a joint mortgage, I dont live there I live in rented accomodation. He has told me he is going bankrupt, so I know that if house is repossessed the lenders will come to me for the…
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bankruptcy assets
My brother is looking to go bankrupt, having run up debts that he can't repay. I'd help where I could financially, but my priority has to be my 3 kids, so I'll help by getting tips & advice. He lives in a caravan with his wife. The caravan is hers but could the administrators take it, even though it's their home? Also they…
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Urgent! Legal Aid
Hi. Can anyone please advise. I have had a very long court battle which combined with paying legal aid contributions and other costs led me to file bankruptcy a while ago. This court battle is continuing. I have received a request from Legal Aid to complete their assessment forms - and have just been unlucky enough to be…
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Replacing car during bankruptcy
Hi, my wife and I plan to go bankruptcy in May / June. We have just found out that my wife is pregnant so we will need to change our little car with something bigger - we already have a 6month old - there is no way we can fot a double buggy / pram in the boot once the 2nd baby arrives. Should I sell our car now and replace…
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Land registry
Hi all... Shortly after bankruptcy, I received a B10 Notice of Registration of a Bankruptcy notice from the Land Registry. I'm assuming the details are now added to the property register for my house and wondered how long exactly they would stay there and are these details available for all to see? Thanks in advance as…
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Filling in Forms - Assets Questions?
Section 3 As well as a car (used for business and low value) I have a little motorbike in my name only 125 and still not passed my test (and can't afford it yet for a good while!) it's both hobby and cheap to get around. OH has big bike but likes to takes it out and looks after/pays for it! Q -Think it's worth under £1000…
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BR decision made- questions questions!
Hi all As some of you know I have been helping my boyfriend with his debts. He was advises in 2001 to go BR by CCCS but managed to do payment plans of £10 to each DCA. Situation hasnt improved hes depressed through money worries and basically doesnt have a life as the money worries take over. Hes moving into a flat close…
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SOA is this reasonable ?
Hello, I have already posted this on another thread in this forum along with other BR Questions, however no replies as of yet. I'm going to fill out the form tonight, and was wondering if you can have a look at this, to see if it’s reasonable. If I may be honest at age of 24 years old, I have never paid my parents a penny,…
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Soa form is this ok???
Household Information[/b] Number of adults in household........... 2 Number of children in household......... Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 0 Partners monthly income after tax....... 870 Benefits................................ 251.52 Other…
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Beneficial interest urgent question!
We have had a letter from the RTLU who are dealing with the BI in our property saying there is £5,544.25 of equity in our property + £211 solicitors fees (of course) & asking for us to make an offer. So question is how much do we initially offer? & any other info we need to plea in our letter back to them justifying it?…
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Renting a home post BR
Am in a mess again. Was discharged last June, no problems there. I had moved back to live with my husband - we were never divorced or separated officially - as he washappy tohave me living there when I was BR, the problems were partly his money sense or lack of it anyway, but now he has met someone else and is wanting a…
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interview
hi just had phone interview for my br.took hour and half for 20000 debts .he asked about property we bought 10 yrs ago.we have nothing to hide but didnt expect questions going back this far.is this normal thanks
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electoral register and bankruptcy
hi, as explained in my other threads i am about to decalare bankruptcy, someone mentioned to me that i must be on the electoral register where i live, i realise i havent added my name to the electoral register at my current address although i have been living here for six years. i am still registered at my parents address…
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basic bank accounts
i know most people open a co -op or barclays account but my partner has an overdraft with barclays that will go in the br so iwas just going to open a joint co-op account but then i heard that they will close it very easily if you bounce a dd etc. ive read that nationwide do a basic account and wondered if anyone knew if…
