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Bankruptcy and work bonuses
I have been bankrupt for a month now and I have just found out that I will be receiving a minimal bonus. Will this be taken by the official receiver? The bonus is 4% of yearly income. I will be lucky to receive £260.
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What is the worst thing that can happen?
Hi everyone, im in quite abit of trouble and looking for advice please. To cut a long story short i am in serious debt and was using a debt management company to pay small amounts to my creditors and was managing alright, but it would have taken about 13 years to pay everything off! Anyway i have recently changed job and…
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default
anyone know if you can get a default removed from your credit file i have paid it and it says satisfied it was given about 2 years ago and is affecting me getting a mortgage?? regards
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bankrupt and seperation
hi i was wondering if anybody can advise. i was made bankrupt in january 2009 and discarged in june 2009. they didnt take the house off us because it had no equity in it. we have to wait until january 2012 until the house is officially ours again. recently myself and my wife have seperated and i have moved back to my…
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Bank Accounts after discharge
Can anyone give me some advice please? I am trying to get a bank account sorted as i was discharged 27/01/2010, however, all the forums and sites i've looked on are telling me that I should be checking my Credit rating prior to trying to open an account. I have tried looking at the 30 day free trial on experian and equifax…
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Strike Action March 24th
Hi there just an update....phoned the court today, spoke to a lovely lady regarding our bankruptcy on 24th about whether its still going ahead. She was unable to tell me if the planned strike is def going ahead but if it does we have to have a new date! I explained that the court fees go up on April 6th but there was…
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Wife has received letter about ed!
My wife has just received a letter from the OR about ED, it is just 16 weeks and 1 day since we went BR. Still nothing for me about my IPA or anything else for that matter:(
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YAY! and a Question..
After this long process I received a letter last week saying that I had been awarded my BR on 3rd of March, today another letter came saying hubby had been awarded his on 12th March. That is great as it means we can start afresh but we've been appointed trustees from different companies. I received a letter asking me to…
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Scottish Bankrupcy what happens next? Please help
Hi question re scottish bankrupcy LILA, after you are discharged from your bankrupcy after the year, are your finances still monitored for a further period of time? ie for 3 years and if during those 3 years your circumstances improve ie you go from part time to full time, they then ask you for a contribution towards your…
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Bankruptcy Fees Help!!!!
Hello, my partner is going bankrupt ver soon. He is struggling very much to get the fees together, he already stopped paying his creditors a while back because he lost his job and cannot get one. I was wondering whether he would get a payday loan in his name for the fees? Is that possible to do? Any help is much…
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Charitable grants whilst BR
I applied for an educational grant for my disabled daughter to go away with her school and never expected to get any help but to my suprise they have awarded her 250 pounds which they are paying direct to the school. My question is and it has only just dawned on me do I have to tell the OR as it is for my daughter and…
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token payment letter declined
Anyone got a sample letter for the next step? Sent my letters 6 weeks ago and none of them have actually acknowledged the letter (so am sending again?!) apart from this one that says the payment is too low..... Going to court on 8th April though xx
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BR Tomorrow!
Hi All, Im off to court tomorrow (9.30am) for my hearing. What do i need to take with me other than my papers? Do i need to take my passport, Bill with my name on it, Driving licence? Thanks for your help. Regards M
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Beneficial Interest
I went bankrupt on 3/06/09 and have now received a letter from the OR for an up to date valuation of the property from an independant valuer or agent. Can i get valuations from a local estate agent, do i need more than 1, should i tell them i have been declared bankrupt. At the time of the bankruptcy the property was in…
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Soa
Can anyone give me advice on my statement of affairs?? Thank you so much. Statement of Affairs & Personal Balance Sheet Summary Monthly Budget SummaryAmount(£)Total monthly income2,880Monthly expenses (incl. HP & secured loans)2,808Available for debt repayments72UNsecured debt repayments0Amount left after debt repayments72…
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Overdraft enquiry
Am I allowed to pay off before bankruptcy a overdraft in joint names so the bankruptcy will just be on credit cards in my name only.
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Still worrying
as per my earlier post the calls have started, just ignoreing them at the moment, not sure if i can keep avoiding my crediters untill the 12th may what will they do if they cant contact me? Im sh1tting myself that the baillifs will be knocking on the door. Still concerned about weather to inform my landlord or not, or the…
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Working and BR
I am having lots of problems with the childminder, and I want to give up my part time job and be there for my children. The financial implications seem to be similar in both situations, which makes me wonder why I'm putting my children through all of this. Will it be ok to give up my job while I'm an undischarged bankrupt?
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Early Discharge!
Early Discharge came through today! Went BR in August so am over the moon! Can someone enlighten me as to what this means in reality? i.e. can I trade with a Company name again? Do I have to inform anyone if my income goes up or I win the lottery? Thanks in advance! T
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Quick question re barclays cash card account
We had a joint account with barclays until around may of last year, when the closed the account because of the £1000 overdraft debt we had with them. I was declared bankrupt yesterday and would like to open a cash card account with them in my sole name, does anyone know if the old acc closure and debt would affect the…
