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How long do you have to keep paperwork relating to bankruptcy?
Hi Just wondered if anyone knew how long you have to keep all the paperwork relating to bankruptcy after you have been discharged? I still have loads of creditor letters, statements and insolvency correspondence but can I now destroy it? Many thanks
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Being made bankrupt by the vat man!
8 Years ago my husband went over the vat threshold for a short period of time and his accountant (his son) didnt register him.He has now had a check and the figure of £69,000.00 was come up with, it has now been reduced to £41,000,00 because he didnt claim any vat on material ect. He didnt charge any vat on any work so it…
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SOA take a look
Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 675 Partners monthly income after tax....... 1100 Benefits................................ 120 Other…
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Few questions regarding bankruptcy
hey guys im due to go bankrupt on the 26th this month im started to get scared now ive done my reading and this seems the right option as i owe about 17.000 citizens advice and national debtline have recommend me going bankrupt but i have a few questions before. 1.Last week i took out a mobile contract as mine is about to…
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Where does it say?
Where on my credit file will it say I am Bankrupt? I checked my credit file with Experian (Credit Expert) yesterday after finding my name on the IS website. I didn't have time to pore over the page but i couldn't see BANKRUPT shouting at me from the page! We have been Bankrupt a total of 4 days now. Thanks in Advance D
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Early Discharge & OR release as trustee
Hi Folks, Just received my early discharge (hurrah!), swiftly followed by a letter stating my OR is applying for release as my trustee, along with a list of fees. A couple of questions: Am I liable for these fees at all? If my OR is released does this give my creidtors free reign to start harrassing me again? I have an IPA…
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How to make a claim against a bankrupt person?
Greetings all, My partners ex-husband has gone bankrupt, how do we make a claim against him for monies owed to us? For example he lived in my partners house (joint mortgage) for at least 3 months before he moved out where he did not pay anything towards the costs. Also after he had left he did not change his personal loan…
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Scottish bankruptcy through LILA
After years of avoiding creditors' calls and ignoring the mountain of letters that came through my door, not using a bank account, and struggling to make ends meet, I finally took advice last month and took steps to sort my situation out. First achievement is I got my Housing Benefits decision yesterday and I'm entitled to…
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Examiner wanting to see partners bank statements because im using her acc
Chaps, any advice is appreciated. Since my bankruptcy I’ve been using my partner’s bank account and the insolvency examiner wants copies of their bank statements. I was more than happy to provide this but my other half has said that because she also uses the account the insolvency service is in no shape or form getting to…
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After Discharge
My OH and i are now discharged and have an IPA in place. I know we have to tell OR still about any change in circumstances but are we still not allowed to own a vehicle over £1500? My parents want to give us a car and it is worth arount £6k - is this ok while we still have the IPA? We currently have all the expenses for…
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should i ignore letter
as some of you may know i am waitlng for a charge for payment before i can go b.r (scottish law) well i recieved this letter today NOTICE OF LEGAL PROCEEDINGS despite numerious attempts to resolve this matter we have recieved no satisfactory responce TAKE NOTE you now have 5 WORKING DAYS to pay the above amount then it…
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Can't change gas/electricity supplier!!
I'm having trouble with my current gas/electricity supplier in that they are constantly getting my bills wrong, constantly messing up my direct debits and constantly offering really poor customer service. Most people would say "so change to another supplier then!". I am trying but seems that I am stuck with them as I am an…
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lying to creditor to put them off for a week or two?
i'm going bankrupt next week and i got a call today from one of my loans i havent paid. I read that its not always good to tell them your going bankrupt, so i panicked and lied and just told them i was having money/bank problems and i hoped to sort it out soon and that i was getting paid at the end of next week. Didnt…
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More help needed please guys
Hi again Sorry but I'm def thinking of bankruptcy but wondered if you could just answer a few more questions. Hubby earns a good salary and is bound to have to pay a percentage due to excess income, problem is I'm a bit concerned about how the OR will view things. The situation is I work part time, and my wages go towards,…
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House...
If the OR or Trustee decides that they need take your house – do they have to go through the Courts?
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Now Im ANNOYED!!
Ive just googled my own name and my br entry in the London Scumbag Gazette comes up - my name and addresses are there directly visible in the results list. I know of course that my br is recorded and searchable on their website, but I didnt expect it to be so openly visible on bloody google!!!! So anyone who googles my…
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Letter from or office,dont understand???
Just wondering if somebody could help me yet again,Got a letter from or office and it says:im writing to inform you that your bankrutcy file will be transferred to the regional trustee and liquidator unit (RTLU)They will deal with any assets remaining in your estate and payments that may be made to your creditors.Is this…
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Overtime
hiya all I have done alittle bit of overtime the past 2 months only about 8 hours, works out about 90odd quids in my pay its not guaranteed over time just 30mins here and there over a month should i tell the OR about this it has only occurred to me today after think about my other thread i have
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Totally confused???
Ok i think i am getting my head round this, we have only 5000 worth of debts which is not much but we are going into rented and letting repo happen on house due to wage decrease and basically renting is cheaper then mortgage repayments and secured loan as our outgoings will be come higher then in comings once wage loss. So…
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Survived Face to Face Interview today !!
Well my interview was at 2pm, and i was dreading it. The letter said to expect it to take between 2-3 hours. I was totally prepared, I managed to find all my bank statements from 2007 to date and also credit card bills etc, I really surprised myself as to how organised I really was !! I typed out a time frame for why…
