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We have finally gone and done it!!!
After a couple of false starts, at 9.30am this morning both me and hubby were declared bankrupt. It was quite a painless and fast exercise, appt at 9.00am after going through papers and taking our cash, up to the judge who didnt even want to see us. After a brief word with the or's office who confirmed that they had no…
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OR asking more questions and saying he will inform my OH parents
Hi, I though going BR was supposed to be easy and an end to the worry, well sadly for my OH it isnt! He had a meeting with OR 4 weeks ago and was in there for 3 and half hours then again he had to go today. The OR is constantly quizzing him about where his money went in the last 5 years pre the bankruptcy. My OH broke down…
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Letter in the post
Hi All I have received a letter off the OR office today noting they intend to apply to the secretary of state for business, innovation and skills for his release as my trustee. In simple terms what does this mean? where does it mean I am now in the BKO cycle (Iwent BKO end of dec 2009) Thanks
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Creditors asking for certificate of bankruptcy to update credit files
I've been asked by a creditor to provide a certificate of discharge before they'll update my credit files. Is there any way round this as I'm keen to avoid the £60 I understand it costs? Many thanks
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BR Advice and Charging Order
I need some advice a bit quick so I know what to do. Long and short, I had a business that had a factoring agreement, I supplied a PG and the business went tits up. The factors agreed a settlement with a creditor of less than 10% of the outstanding amount. Then they came at me for the grand total of £70K. They threatened…
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Rtlu
hi all, i am due for discharge on 25 march but have a 3 year BRU, i have just received a letter from the OR saying "bankruptcy file will shortly be transferred to the regional trustee and liquidator unit (RTLU) for this office." I had no assets and was not paying anything to the OR, will i still be discharged on 25 march…
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and another question.....
I have just read in another post that if your home is sold after BR then you may be liable for the shortfall??? My mortgage is with Kensington and I have a secured loan with first plus. I haven't yet informed either company that I will soon be moving into rented accom. Whan should I do this? Also is it true that any…
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SOA - can you take a look please
Hi I have downloaded the SOA from makesenseofcards.com and added comments where it may not be clear. Could you please take a look and let me know if you think my figures make sense? Many thanks Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of…
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bankrupcy and mortgage repossesion not wiped off
can any one on here please try to answer this for me ... i have got my self into a terrible financial position thru one thing and another having previously had a1 credit . to selling my house because buying a investment property that went t..ts up .i need to go bankrupt after racking up a lot of debt within a short space…
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Completing form 6.28 - SOA
Hi I have had my first look at the official SOA form (6.28) on the Insolvency Service website and I have a number of queries about what I should put down. I hope someone can advise. Using the numbers as found on the form: Section 3.1 8. Fixtures and Fittings - I assume this is to do household items such as furniture,…
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SOA's....First trial attempt before real thing.
Ok, will explain this as we go along, as there seems to be alot of surplus left over, so best I go through it....This is my first attempt, so would be grateful for any help/advice on it/outgoings etc....I will re-do a new one, once got so help off here :) Thank you in advance.....any qs about it, feel free to ask... Will…
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Is there another way around it??
Hi I have been posting on here regarding my partner and myself going BR but I was just wondering if both of us would have to do it or if I could do it and take all of the joint debt with me leaving my partner their unsecured debt to pay. We have a joint morgage and secured loan (but now have rented accom set up and will be…
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Barclays Bank, smacked my hand
Hi all Today in the mail, receive a letter from Barclay's that I am not allowed to use internet/telephone banking Rang them, their answer was you are bankrupt, therefore you can't use our facility it's policy. But you can use the bank, and if you want get weekly statements. Where is the logic in that? by using internet…
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Help! I'm being chased by creditors post-bankruptcy
Hi I was discharged from bankruptcy in Dec 2008 but I am still receiving letters from creditors saying I owe them money. Before I was discharged I used to forward the letters to the insolvency service and they would contact the creditors, but what to I do with the letters now I'm discharged? I think this is a creditor I…
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Please help me with my car dilema
To cut a long story short my car has died and it is not something I can do with out as I live rural , I have no money to buy another but a family member has offered to help me out and buy a car , do i need to inform the or? the car would be registered in my name obviously but technically would not be mine really unless I…
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info needed
i had a ccj issued about 5-6 yrs ago and paid it off in full aprox 3 1/2 yrs ago how long does it stay on your "file" for and is it from when issued or from when paid off? thanks
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Advice again please...
Ok, just filling in the BR form for DH to send back to the British Legion whom are helping DH with the BR, so may need help with bits a little later on, :) Have just been onto the company we have been paying a DMP to since Jan 2009 to cancel it, they have told me DH must go to his local town hall, as his BR may be declined…
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Our Year in Bankruptcy, and a big thanks to the forum.
Well where to start talking about the roller coaster year that we have just been through, an apology for the length of this post might be a good place!, i am sure that many people on here can relate to pretty much everything that i write, however if this little post helps just one person i will be more than happy. let me…
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BBC article on what to expect from bankruptcy
http://news.bbc.co.uk/1/hi/business/8570467.stm For those who like to read and comment on these things. :)
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Congratulations Phil
Just to let you all know, phil and nicky are now proud parents. Baby was delievered by C-section at 3.25 this morning weighing 7lb 11oz. Both Mum and son are doing fine.. I think phil is tired though!! Congratulations to you both and big big hugs xxx:j:j:j:j:j
