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Court Booked
12th July Nervous as hell now.
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Credit file clean up question
Do I need to send a copy of my discharge (the one the costs £60) to each of my former creditors? Will the OR send me anything to say im discharged? Is the letter in the sticky the one I send out once I get my credit report ? Do I need to get a copy or my credit report from all of the credit reference agencies? will this…
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Not heard from OR
I went bankrupt last Tuesday. At court, I spoke to the OR by phone to confirm some basic details. Since then I've heard nothing at all from him. No letter, no call. Is this usual? Should I chase it up. Or just be patient? I want to get the interview out of the way so that I can try to return my life to some kind of…
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Hope somebody could help me???
I'm not sure I've posted this in the right place.... Hi hope someboy can help me. I was a partner of a council premises lease (buisness) for 12mths I 'come out' of the buisness and I believed to have left the lease also in May '04 leaving the other partner to trade. Today I have recieved a letter stating that arrearrs over…
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Benefits on bankruptcy form
Yes a question, i did nto put anything in the benefits section of income. I am now wondering if i should have put the child benefit/allowance that everyone is entitled to in there? I am declared bankrupt and already had my OR interview and she never asked or mentioned it and i assumed that the section was for proper…
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Will an ex Bankrupt show up on a CRB Disclosure application?
Hi guys, as the title says will will an ex Bankrupt show up on a CRB Disclosure application? Cheers Markbass.
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Help and advice please
Hi My partner has told me our relationship is over.We have mortgage of £180,000 worth around £220,000. We have £26,000 of Unsecured debt and £30,000 of secured debt. There is no chance of getting back together she has someone else. Now we were just preparing an Joint IVA untill the bombshell was dropped. Now is it best to…
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direct debits on basic account
Does a basic bank account allow you to pay direct debits? If not, how to you pay for things like mortgage, life insurance and other regular payments?
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a curious Q re sofa/furniture
This is just something that popped into my head the other week when reading on here how cars on HP that get taken back, just out of curiosity, and nothing more as i was BR 8 months ago, and had nothing on HP lol What if a person had bought a sofa say like the ones on those adverts buy now pay later......would they come and…
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A few questions...help
Hi, I have been in debt for as long as I can remember and I want to declare myself Bankrupt and be rid of it once and for all..My total debt is around 25K. I am currently paying off a CCJ at £200 per month but no money towards my other debts. My credit is ruined and I have no savings etc. I'm 29 and I just want to get…
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Please check my SOA for IPA change
Hello fellow lovelies, I am currently paying an IPA of £250 a month, I have an arrangement with Moonbeaver for a payment break for the next couple of months as my partners income is suffering (he is self employed).. Please can the usual experts have a look at my SOA and see if I can submit it to Moonbeaver to get the IPA…
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sorry quick question
after completing and printing out the forms online, I have noticed after checking for the 20th time that there are a couple of mistakes, is it ok to handwrite the amendments on the forms, or should I do new ones?
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Consequences???
I have recently heard of someone in an IVA who has been gambling large sums, making money from gambling/poker. They started their IVA in 2007 and gave up full time work in 2008, and it seems they have been living off of gambling/ poker winnings since. They recently started a betting syndicate online and had control of at…
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Guess who had AD on saturday!!
me! :j:D 12 months has gone so fast, thanks to everyone here for all the support . x
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Experian Points
Does anyone have any info on how many points you lose/gain on experian for different things?? I mean like how much you improve your score by getting on electrole? How much a default takes off?? a missed payment etc?? How best to pay you credit card in full in month or a bit each month?? The reason i have posted on here is…
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Very worried newbie- advice needed please!
Hi all. I am totally new to this, so please excuse my ignorance. I have this week, found myself in a position whereby I am having to look into applying for bankruptcy, to say that I am worried and scared would be an understatement. Basically, I have personal debt amounting to approximately £5000. Last week, I received a…
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Courts break for summer
Do all the courts break for summer and does that mean we have to wait weeks for our hearing?
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Mobile phone contracts
How does it work through bankruptcy with my mobile phone contract? it doesnt finish until august 2011 and i want to keep my number for alot of important reasons, not just coz i want to! if that makes sense. Sorry to start a new thread about it but i couldnt find out through searching.
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How do they decide on value?
I am seriously considering bankruptcy and have done another thread in this forum about some things i want to tie up before i decide to go down this route. One thing i am really unsure on is my car, i'm fairly sure they'll allow me to have a car since my job is about 1/2 hr drive away and the buses etc would not get me into…
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To pay or not to pay.............
Hi everyone, Im about to move in to a rental property before going BR next month. I have an outstanding balance with my electricity provider of £200ish. Should I pay this or let it in go in to the BR? I'd feel a bit bad not paying as I`ve always kept up to date with stuff like electric, council tax, tv lisc. etc. What do…
