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Some advice needed please
Hi, I am just trying to figure things out in my head. We currently have a mortgage with NR had it for over 4 yrs on an interest only mortgage we also have a secured loan attached value 23,000, the house is in negative equity, and we also have a DMP with CCCS which we pay 184 for the next 2 1/2 yrs. Partner has been told he…
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Coventry Court and our experience
Hi All, Mr & Mrs Tryinghardtosurvive were officially BR at 11.40am yesterday at Coventry Court and thought would let people know whom are going there what is in store to put minds at rest. We arrvived and booked in, we were then met by a really lovely lady whom went through our forms whilst happily chatting away like we…
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Offering a little info on the Scottish System
I have just had my phone interview and after nearly being sick with nerves it only lasted 25 mins and was relatively pain free! They said they're going to look into my car as it's worth over £1000 (only worth about £2k) and get back to me so I'm a little worried about that but hopefully they'll see that we need it due to…
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Refund
I need some advice. I have received a refund for Council Tax which came out the blue this morning. It is going back to 1999-2005 for the property I use to live in due to it being rebanded on Council Tax from a Band E down to a Band D. There is a refund due of over £1,000. Does anyone know if I will be allowed to keep this…
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Disability benefits and bankruptcy advice
Hi there. A few years ago my wife and I were both working full time earning a decent joint income and had, as many people do accumulated debts of approx £18000 (this was pre MSE days of course!) but was happily managing to pay these loans off and had it not been for circumstances they would have all been paid, or nearly…
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BR and Pension/Superannuation
Next niggle (tis ok, not going to flood the forum with niggles :o ) but .. I paid superannuation to a previous employer for 19 years which I won't get until I'm a lot 'aulder' i.e. 20 years time. It's frozen and I can't get my mitts on it. Do I declare it on the online form ? Cheers.
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Shopoholic bankrupt
Is there help for someone who's a compulsive shopper? Bankrupt about 6 months ago but is spending money they don't have - (Not sure where from and not sure how to find out - it might be someone else's CC but don't know)
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URGENT! Declared BR 26th Feb Have I made a fatal error! ADDITIONAL CARDHOLDER!!!
Re: Phone call to my Husband last night from MBNA! I declared sole BR on 26th Feb 09. Everything was going fine and the OR didn’t even want to interview me at present. That I know could change. My Husband and I have all our finances separate apart from one (could be fatal thing) I overlooked. To be honest I completely…
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BR and CCCS
Counting down to the big day and have all sorts of worrying niggles running through the head so will post the niggles individually in the hope that people here can guide/help me with them. Niggle .. Does the Judge recognise taking advice from CCCS about BR ? Just a little concerned as I didn't take advice from CAB.
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Am I normal?
Its 6:30am on Friday, the last working day of the week for me, and I am knackered. Wish I could just go back to bed, but life isnt' like that and you have to go on. Won't get qualified as a nurse if I gave in to thoughts like that, and having time off in placement is not allowed!!!! On Monday OH and I were declared…
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a few questions after being made bankrupt
After visiting these forums for the last 12 - 16 months, I’ve gathered huge amounts of information (thanks to everyone for posts they've made that have helped me out!) but never had the urge to post before. After taking out a DMP in January 2009 that would last until 2020 and feeling like I was not getting anywhere…
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Can I work in Insurance if made bankrupt
Hi Just looking for some advice on wether I would be able to continue working as an insurance broker if I was made bankrupt. I know I need to speak to my directors but looking for some advice as to wether legally I can do the job before approachng them with my potential bankrupcy thanks for any advice
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bankruptcy in scotland
hey folks was just wondering if anyone can help ... basically the story goes in 2004 took out a mortgage and a unsecured loan with northern rock .. the loan being £30k ... what they called a together loan (or 130% mortgage... stupid i know ) in 2007 we changed our morgate company and because we broke away from northern…
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Ipo
Can anyone help me find an income payments order table?? I read that it will help give me my allowances when filling in BR forms.
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can i apply for Bankruptcy?
my wife and i are in major deep. you know.. any way. all the normal jazz. credit cards, store cards loans. loans to pay off loans. bigger loans to pay more. and this was before i met my wife. i started dept managment to pay off my creditors.. would take a while but fine. i met my wife and found out she had the same kinda…
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Are IPA repayment breaks repaid?
Hi :smiley: My partners IPA ended in January. During the 3 years the agreement was amended 4 times and he had quite a few agreed payment breaks for various reasons (new washing machine etc etc) At the time he was told these breaks would not be added on and on the new agreements this appears to be the case. Well yesterday…
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Do i need to inform OR before handing back house?
We are voluntarily surrendering our house soon'ish, and all secured debts were listed on our paperwork, so therefore do i have to pre-warn OR we are doing this, or do we just do it and give the RTLU contact details to our secured creditors? Thanks again
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How long after BR could an IPA be given??
After going bankrupt in Aug 08, i was discharged Aug 09 - How long am i at 'risk' of being given an IPA?? Thanks everyone
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SOA Question
Hi there We received our letters/pack today from the OR having been declared bankrupt on Monday, to fill in and return with statements etc before our telephone interview. I have a question about our SOA. On the bankruptcy forms it only asked for certain items so I didn't list everything. Do I send to the OR a fully…
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Savings account - Building Society
Hello everyone Hope you are all well this evening. Has anyone opened a savings account with a building society whilst being undischarged? Want an account that I can put the money in for opticians/car maintenance etc so I don't spend it, preferably with a passbook so it's not easy for me to get at the cash. Thanking you all…
