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bankruptcy tomorrow
Hi I'm filing for bankruptcy tomorrow and I just want to make sure that I have every thing I need. I have three copies of the debtors petition and I have printed off my bank statements, do I need anything else? My CAB advisor told me that I don't have a specific appointment but that they will fit me in, I just hope that I…
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Balance after repossession
Hi folks! Woolwich have amende default entry but refuse to mark balance as settled even though they accept debt is irrecoverable. Should I complain to ICO? Thanks :mad:
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Childrens accounts in my name..
I opened 3 childrens saving accounts at barcleys when the kids got that goverment payment thingy. Anyway thay are childrens accounts but in my name r.e childs name. Will these stay open for the kids? They have only got £10 each in them as couldnt save up. But wondered if we got to keep them?
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Just had a debt collector round!!
Well, gave me a bit of a giggle. After pleasant introductories: HIM - You owe EON £30. (a collector for £30!) Sky - And? HIM - No need to be like that with me.. Sky - I haven't started yet. What do you want? HIM - That car registered to you... Sky - No it's not. It's registered to my Ex-Husband so start again. HIM - I…
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My Kitchen Supplier gone bankrupt
Hi everyone I thought you some of you might be able to help me understand bankruptcy from the "other side" of the problem. We're half way through having a new kitchen installed and there's been a lot of delays, with what seem like very flimsy excuses, resulting in us still not being able to use the kitchen 3 weeks later…
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Urgent help needed re vol repo
Hi - I am really hoping that someone out there has the knowledge to help me as once again I am feeling very scared and confused. Ok a little bit of background - long story but like most people on here I ended up in a lot of debt some of which with my ex husband although in my name only! Well last summer he decided to leave…
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Bankruptcy Protection Fund - AVOID!
Hi folks. I'm new here, this is my first post. I feel I really need to warn folks about the Bankruptcy Protection Fund (BPF). Briefly, I was made bankrupt by HMRC last year. In all the bumf I received through the post I was impressed by that from the BPF. [TEXT DELETED] They told me what I would need to do to get the…
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Allowances when i bankruptcy
Hello there I'm due to declare bankruptcy but thought I knew every little detail about it all, turns out im not 100% sure, Just analysing my incoming and outgoing expenditure, and wanted to know, when in bankruptcy, what allowances they give you for food, clotheing, toiletries, travel expenses etc. My main stumbling block…
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will I loose my home if I go bankrupt?
I am new to this so please bare with me! If i declare my self bankrupt will i loose my house?
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Savings Accounts
Sometime ago there was a discussion on her about savings accounts for BR's. A few of us opened an on-line account with Yorkshire Bank. I have just opened an account with ING with not problems and they pay interest monthly. http://www.ingdirect.co.uk/savings/variable_rate/openonline.asp
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Repaying a Friend
I feel I know the answer to this but I will ask anyway. 12 months ago my boiler packed up and I wasnt credit worthy so my house m8 at the time took a loan out via british gas for me which I have been making payments to him for. I know this wont be put into my br but I dont suppose there is anyway shape or form the OR will…
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How can I calculate my ex's beneficial interest to buy it?
In Oct 1998 my husband and I bought a house together on a shared ownership (50% owned by a housing assoc and 50% on joint mortgage with Abbey). I paid the initial deposit of about £3000 (as far as we can remember). We initially paid both our wages into a joint account so made equal contributions to the mortgage & rent at…
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Claim money off someone
Hi My friend's absive ex-partner owes me a lot of money. I have tried to get this back. All I have is copies of the payments made (bank slips) nothing else. Over a period of time I stupidly (kindly) loaned him some money whilst he was unemployed to fix a his house. He has no other income. In the past he always paid back.…
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Halifax - Hellllppppppp
:mad: Apparently on Good Friday a representative from the Halifax is coming round to visit.... (do you think he/she will bring Eggs) Any ideas what to expect? Or shall I just not answer the door?
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insurance arrears
hi everyone when BR on the 3rd march and all going good, went to cancell my insurance as we are leaving to new zealand this weekend, i went to clear the arrears on the account , this was all taken out before BR. They have added a cancellation charge of £50 per account. As i have 3 accounts with them thats £150 plus the…
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Bankruptcy advice please?
Ok, long story short, i moved from essex to slough out of my parents home and in with my partner. I changed jobs but didnt pass my probationary period and hence, lost the job at the end of february ive been unable to find another job and i am not being chased for money as of yet, but next month it will all begin :( I…
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Confused
I wonder if anyone can clear this up in my head for me. How can I put £852pm on my SOA for a mortgage that I currently have, but don't intend to pay as we intend to have the house voluntarily repossessed (if HSBC don't do it forceably first - all depends on whether we can find a house and the stipulations we have to jump…
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Bank accounts after discharge
Does anyone have a RBS Key Account after bankruptcy discharge? In fact, does anyone have any bank accounts after discharge what it's not with Barclays or the Co-Op?
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Help Please
We have spoken to the CAB who have advised to go down IVA route however we do not have sufficient residual money. have spoken to the mortgage co who refuse to help by reducing payments or switch to interest only despite being a good customer. I now believe only way out could be to go voluntary repo & rent a house leaving…
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new updated SOA, please check? BR 31st March!!!
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1214 Partners monthly income after tax....... 0 Benefits................................ 1116 Other income............................ 398 Total monthly income.................... 2728 Monthly Expense Details…
