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Co-Op Account
Hi All, Need some advice, Tried opening an account with the Co-Op on Thursday afternoon after declaring myself BR on Thursday Morning. They told me i would need to sent a bill to them as proof of address. I sent it Thursday afternoon, Phoned them this morning to see if the had received it and said yes they have declined…
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Outgoings question
Hi, just a quick question, can you add stuff to outgoings that your planning on getting once everything is sorted, for instance, life insurance, I don't have that but would like to get insured. Some advice on this would be appreciated. Cheers.
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I’m considering taking a LILA Bankruptcy
Hello, First of all, can I say a big THANK YOU:T to all of the contributors of this forum, some of the Q&A have really helped to ease my nervousness and inhibitions. A little about my case: I had my first Store Card at the age of 18 years, with a limit of 500.00, I was not working and did not own a penny to my name. ID…
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'Reasons for Bankruptcy' part of the form
I've written my 'reasons' but it seems ridiculously long, although (in my opinion) it's all relevant. I'd rather not post it on here as it is rather personal but is there anyone willing to take a look and offer an opinion if I PM it to them. (Er, I assume I can PM - haven't checked tbh and I'm new to the forum). There's no…
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Finally Admit Defeat - Online Petition Questions
Hi all, After many years of trying to claw back some ground on the debts I incurred through a combination of greed when the property market was good, pig headedness, plain stupidity - and maybe just a little bad luck, I've finally admitted defeat. After reading through a fair bit on here, I decided to do it online and bite…
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Another forms question
Hi, I want to put some additional information on the online form. Section 13 should be the place to put it but there is no section which covers adhoc extra information, help!
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I have my bankrupcy hearing tomo SCARED ADVICE PLEASE!
Hello, Its finally the day for my b/r hearing tomo,!!! I am absolutly petrified, I know you may say its a good thing but I am so scared, I have either done the forms wrong or I will say the wrong thing. This has been such a massive problem that hopfully it will be sorted soon. But what actually happens tomo???? is that it…
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Help with creditors on forms
i'm doing my form and i'm a little confused :D do i list my bank accounts (using overdraft on both) as unsecured creditors in section 4, or just include them in the banks/creditcard section? also, what address do i use for my bank accounts, my branch or the customer service address??
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About to declare bankruptcy - Renting off Mother
Hello all, first time poster here but got a large dilemma and not sure whether or not I'm being lied to. I'm currently renting my mothers property in the northwest of england, she has her own property with her husband in the north east of england, there we go. I'm due to declare bankruptcy this week, today my mother and…
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Question relating to starting a job before being discharged
Hi everyone! I became BR in September last year when I was off work sick at the time. I left the job in November. You guys were all a super help to me through that and here's hoping you can help me again!! I am better now and have found a new job which I am due to start in the coming weeks. Now, I have a couple of…
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Moving 3 months before br
I currently rent and pay 595 per month. In my tenancy agrerement it states that going br is not allowed kind of thing. I am going br in 3 months, if i moved now to a more expensive place (seen a nice flat at 695 - not expensive for area i live and its fully furnished as I dont have anything) is this allowed, will I be…
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BRO querey
I am in about £50,ooo of personal debt, and my take home salary is £800, no assets or property and am likely to file for bankruptcy soon. My problem is that i have been on a DMP since 2006 and at the time had to open a bank account with someone that i did not owe money to, i applied to the three companies left that i did…
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Yet another BI question regarding house
I have yet another silly question about beneficial interest in my husbands house which I'm hoping someone will be able to answer for me. I have lived with my husband for 3 years although he bought his house 15years ago and it is in his name only along with all the utilities, council tax etc. As a rough guide, he has 100k…
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Student Loan question
Hi, Just finishing off my petition for tomorrow, and I'm wondering if I should list my student loan on my SOA? I know it can't be included in the petition (even though it's from 1992) but should I list it on the forms? Thanks in advance.
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Things to be aware of while Bankrupt and after discharge
I was thinking it might be useful to put together a list of things that may be problematic once someone is declared bankrupt. This isn't meant to scare people off, but just to make sure they are informed. 1) Obtaining credit. The most obvious one. Even after discharge, your BR will be on your credit file for a further 5…
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bit of advice please thanks
Hi everyone i wish so much that i knoew of this site years ago. it sunday and you have taken the time to ead this so thank you all. i have been with GP on a debt mgt prob since Aug 2006. At the start of the prog, my husband & I owed 36k in both joint and single debt.The first mth we made the payment to them my husband…
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Sole Trader/Bankruptcy/Goodwill Sale
Hi there, I am new to the site and looking for some advice as it looks like I am going bankrupt in a few weeks time. The majority of my debt is on personal credit cards (only a small amount to trade suppliers) I am currently self employed (sole trader) and have a bricks and mortar shop (rented) as well as an e-commerce…
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The april 2010 br club
Hi everyone, welcome to the April 2010 Bankruptcy Club. This club is for everyone who has gone through the process of Bankruptcy during April 2010. So please feel free to join and post. Pop your name on here, the date that you went Bankrupt and the stage that you are at now in your Bankruptcy. And then just keep everyone…
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Resolving Property issues post BR
Hi - wonder if anyone can help... I filed for BR and now the mortgage companies for some buy-to-let properties I had are saying that the properties are still my responsibility. They say that they don't have to repossess them but can install a Law Property Receiver - this company run the properties on my/their behalf untill…
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What to do while saving for fees??
Its going to take me about 6 months to save up for fees. I have spoken to cccs and they suggest stopping payments but what is the best way to buy time, should i send token payments or not. I have sent letters and told them I am taking advice etc but just wonder how long that will work for. I really am dreading the…
