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Court date booked....
....& fee saved. I've been a long-time lurker & occasional contributer. I've been with CAP for a year. They've been saving on my behalf for the fees. Have the form for court fee remission all filled out. Three copies of everything all clipped together. Phoned for an appointment. Monday 12 April 9.30am. It's nearly over.…
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Bankrupty : What to do when year is up
My bankrupty will be up in the coming months, i understand it is not easy to get back on the credit ladder, but if there is any suggestions to help with speeding up the process of getting good credit i would be very grateful .
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Mackenziehall chasing for really old debt
Hi All, Received two letters in today's post from CONNECT in Kilmqrnock but the contact details relate to a company called Mackenziehall. They state I owe monies relating to a debt with Barclaycard and that the original pursuer was Cabot Financial Ltd. One debt is for £1692.20 and the other is for £1183.47. I went BR on…
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6.28 Debtors Petition question
Hi, printed out sheets, organising the sheets, noticed the Debtors petition sandwiched within them all; do I seperate this from the rest, keep it in the order they were printed or does it not matter ? Thanks in advance.
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My BR Experiance
I have not posted on the forum before but, as I suspect of many others, I have been reading the posts and absorbing the advice for many months now. I have even figured out what all the abbreviations mean! I would like to give a big ‘thank you’ to everyone who contributes as this really is a place where folks considering or…
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Oh woops, What account with coop am I allowed?
I've got confused. Is it a smart saver or cash minder? I have opened a smart saver not cash minder as I previoulsy had posted. Woops The smart saver is so basic I cant do much with it at all? Which one should I have.,, got my self all confused now.:mad:
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BR and frozen Bank account
The big day has arrived. :eek: How quick is the OR at freezing Bank accounts, will it happen today ? Cheers.
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Bankrupt
I have been discharged from being bankrupt, I was self employed I went to start a new job and my utr number has been changed could somone pls explain why the tax office would change it. Now that I have been discharged I know I have 5 years left before it's cleared off my records. Is everything finished with official…
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Share Bankruptcy Experience
Hello Am going through a bankruptcy at present and would like to exchange some experiences with others considering or having the same experience. I wont go into the full details of why ! but includes divorce, maintenance payments, tax arrears, credit cards, loans, business failure, redundancy...... a quadruple whammy right…
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Trust Deed Questions?
Hi all Hope you can help. I have a Scottish Trust Deed which is the same as an IVA basically. It is for 3 years. The 3 years are up in May, which in theory, is when I should make my last payment. Whilst paying my dues, I took a better but lower paid job. My trustees allowed me to reduce my payments each month whilst on the…
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Thank you all
Just wanted to say thanks to all you good folks. :beer: Forms all done, printed and tomorrows the day :eek: Looking forward to the next chapter :j lbm
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Council Tax and BR
HI all, me again lol Just wondered i have a liablilty order for CT for £1400, it is in both my partners and myself names I was told by CAB they willl chase him when i go br, I received a letter last wk chasing me for it which i knew they wud as was informed they always chase woman first as she is seen as the weaker link. I…
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Electric/Gas bill
i am seriously in errors with gas/elec 1000 pounds to be exact, when you go bankrupt can you add this?? any advice gratefully received.
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Bankruptcy and maternal home
Hi: I recently got divorced and live in the marital home, I was awarded a 70% share by the courts. We have equity in the house. I have two kids 17 and 19 and have to sell when youngest is 21 (4 years). Ex has 50,000 worth of debts (35000 charged on house). He is still gambling and getting further into debt. Ex has said he…
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BR - Barclays acc, ?
HI all, Just wondered i have an appointment to open a basic bank account with barclays tomorrow, i banked with them 10 years ago and did have a loan and cc with them sold out years ago to DCA, which i have been paying until recently i am going br on 8th april, Is it a complete NO NO For me to get a barclays acc, the guy in…
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Help please! very confused!
Hello all i have been dealing with the CAB regarding my debts and they are saying BR is the best thing for me, so i have savd the fees and booked the date and my caseworker wants to see my forms ASAP. i have just filled in the part about what i owe and if it were not for my student loan i would be under the 15k mark and…
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Help - Creditor List
Hi again all, As I mentioned last time I posted, although undoubtedly stupid, I stopped paying all my creditors nearly 2 years ago as I simply didn't have the money. I have now decided to face reality and go bankrupt. My main problem right now is I don't know who I owe and/or how much. Obviously I could sit and write a…
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SOA, really confused and worrying, BR date 31st March
Please help me again folks!! I am so confused with the SOA. Both me and OH are going BR so do i half everything on each of our forms or put the whole amount down?? I am on Incapicity benefit due to accident resulting in breaking my back, do i put all of this down on form and also do I have to put SOA without our debts or…
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Few Questions about paying family money back
Hiya, Just a few questions if anyone can help: Owed parents £4k paid them back last September before I lost my job. Will OR be unhappy about this? Did not have any intention of going bankrupt back then and paid other creditors normal payments after I payed them right up untill December and still paying min payments on…
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Bankrupt or CCCS?
Hi All, newbie here so wanted any heklp or advice. To be fair, as you can imagine i feel pretty low about this all, the wife and i worked hard, got our degrees (off our own backs financially) got engaged, married and bought a property with a northern rock 120% mortgage. Long and short is we have struggled against the tide…
