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3rd Time BR, in 4k+ debt after 6 months!
Hi, I've been hear a few times over the last 8ish months asking the odd questions for a friend, and as the title suggests things have not gone well for them. BR is to be honest a mostly negative time, but this seems to be a further tragic tale to how bad BR is as it seems pretty much self caused on all accounts. They went…
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All Done
“The corridor is dimly lit and quiet as I enter it and take the short walk to the main gate. I grasp the banister as I take the stairs and leave behind on the varnished and worn wood a trace of the sweat that is on my palms that will join the countless other drops of sweat that have been added as people climb up and also…
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bankruptcy are we elidgable?
ok where to begin i have debts of around 10000 pounds and my partner of around 3000 these are unsecured apart from 1 which im, unsure about it was a hire purchase on a car which was sold so i no longer have the car (the car was hpi clear :S)? debts to around 8 lenders most of these have had no payments made on them for at…
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OR interview today
Hi all, Had my OR interview today. It was surprisingly easy, well, not easy, but it wasn't thumb screws and water torture! The OR was very pleasant. He said that I won't have to pay anything, and that he will put me forward for early discharge! Nice bloke. He said I'd done a really thorough job filling in my forms which…
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What happens now to the money the OR didnt take?
Hi all, I have posted questions about this money before, hubby earnt a bit extra each month but the OR hasnt claimed it yet. However got home today to a letter saying that hubby has now been passed on to the RTLU so will they claim this money? I know i have to keep it until discharge probably but if the OR never got round…
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Dilemma for a friend - informing the OR!!
Hi I have a very good friend who went bankrupt last July. She is due to be discharged this July, however she has asked me a question what I don't quiet know how to advise her. Its all to do with informing the OR of a change of address. She is currently thinking of moving out of her flat in Mid/Late May so she can move in…
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Child Tax Credits
Hello, I am going through all my details for the BR forms and have a question about child tax credits. I was overpaid last year (2008-2009) and consequently HMRC are chasing me for £1785 which my DH will be including in his IVA. I was also overpaid during the current year (2009-2010) and from Sep 09 they stopped paying me…
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IVA or BANKRUPTCY
Ok well at the moment we only have 5000 of debts which are controlled by a DMP which is good, but unfortunately my partner has taken a wage loss and we have decided to let repossession happen on our house as its cheaper to rent and as our house is in negative equity and also has a secured loan for roughly 30000 on it so…
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Bankruptcy question
On the form I have printed of to see what information they want it asks if you have been bankrupt before. Is there a time scale in which this applies. I was bankrupt nearly 30 years ago after having my psv licence removed overnight on medical grounds. I had declared a illness I had when a 3yo on the forms and no one had…
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please help going br on thurs !!!!
could anybody help ,by telling me in the box on br form which sayslist of unsecred creditors do you put down ,untily bills ??? please help im getting in a flap now thanks
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Working for Car Insurance company whilst BR
Hello All,, I have just passed a telephone interview to work for a car insurance company and am set to go for an assesment day & interview in a weeks time... I do not know where I stand should I get the job, I am currently BR due for automatic discharge in July, filled in an ED form beginning of Dec'... Will insurance…
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bancruptcy and paypal
Hi all, I went bankrupt on dec 08 and got released a year later. the trouble i am having with paypal is that they have put a hold on my new account until I sort out issues with another account. A £300 debt, a debt that never should have been, but thats anouther story. I got on the phone to them and explained my situation…
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Just had a phone call from the county court
Hello everyone First post on the board but been looking at it for several weeks now and find the advice from everyone fantastic and so helpful. Me and my husband are due to go bankrupt on the 24th March after waiting 5 weeks for the date to come and counting down the days. But this afternoon had a call from a lady at the…
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It's been a while but i think this is strange
Afternoon Guy's I filed for Bankruptcy in Jan 09, one of the first things i did was let my Bank Lloyds TSB what i had done and they said they would sort things at there end. I dont really understand why to today i still have the same bank account i had and i even have the same phone contract which they allow me to upgrade…
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Nil Tax Question
Hubby has received a letter today stating Nil Tax code has finally been applied (we went BR in November!). However we never signed the paperwork for Nil Tax IPA, as it was on the same sheet as Income IPA which we disputed. That was back in January, and nothing has since been mentioned. So what now happens to the Tax for…
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Post Office Christmas Club -with 'debit card'
I have just been to the Post Office and seen they do a xmas club - where you pay money into the post office using a kind of debit card they give you. On the 1st November, you then get to spend all the money on there for xmas pressies, by using the card as a debit card in certain shops. Just wondered if this is a) subject…
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How long does an unsatisfield CCJ stay on your records
Hello, can anyone tell me how long a CCJ will stay on my records. I currently pay £40 per month against a CCJ which at that rate wont pay off the debt for many many years. I know it will be on my records for 6 years but as it will be unsatisfield will it remain for as long as the debt is being repaid Thanks
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bankrupt - student loans
I am hoping someone can help me, i am looking to go bankrupt after 2 years of fighting my debt, and trying to manage paying the £'s each month on a management programme and still getting nowhere and advised it will take over 30 years to clear at the current monthly payments i am still ££££’s in debt, now with no job as I…
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i am discharged and need a bank acc for business
Lo all, I have been discharged from BR for over a year now and am starting a small business. It's never going to make a lot of money but every penny helps. I applied with Santander for a biz account but they turned me down, which surprised me. Can anyone advise on getting a business bank account? Surely there must be a…
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More advice needed :-)
Hi, I need some advice if anyone can help, So myself and OH have decided to leave mortgage home and rent as we can not afford to keep up payments and renting is so much cheaper! Our house in negative equity and we are going to let the mortgage company go through the motions of repossion once the house is repossed i…
