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Haven't heard from OR in almost 6 months
Hi all... I'm new here and was hoping to get some advice on my bankruptcy. I was declared bankrupt December last year, and met with the official receiver early this year. I had a guy come round to value my car and house etc... I also got a independent valuation done of my house which the OR asked for. I contacted the OR…
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bankruptcy & utlity bill
I am currently unemployed on JSA. Unfortunately went bankrupt on 31st March this year. Today I had a totally unexpected utility bill from Npower of over £600. I have been paying by direct debit monthly the value of which £45 was set by them based on the fact that I am a single person living in a 1 bedroom flat. This is the…
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Statutory Demand - need some reassurance!!
My OH received a letter recently from Crapquest saying enclosed with this letter is a Statutory Demand. The "demand" says at the top "Statutory Demand under section 268(1)(a) of The Insolvency Act 1986. Debt for Liquidated Sum Payable Immediately. It isn't from any court but says... In accordance with those rules on…
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What shall I do????
I have been seperated from my wife now for a year and am currently going through the divorce. I have been lucky enough to own all the debt from our marriage and have had a debt plan set up since october. My question is this. If I go bankrupt, how will it effect me? I have read all these posts but am really worried. How…
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after been declared
Hi all, I was declared bankrupt in march. received a notice from land registry titled B178. do i sign and send that off and what does it mean for future? also received letter from OR stating it may be possible to transfer the BI. IT asked for valuations, can i send the valuation received from the mortgage company and do i…
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Opening a joint bank account - discharged BR
Hello Everyone! Hoping someone may be able to help...... I was dicharged BR in April this year, myself and my partner recently engaged! are considering a joint bank account. Is this at all possible or will it destroy her credit rating? Also how many years do you think we will have to wait to get a mortgage? We both earn a…
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Can a council issue a statutory demand in respect of unpaid PCNs?
Can a council issue a statutory demand in respect of numerous unpaid Penalty charge notices? PCNs do not generate CCJs. Say where a person has accrued say 20 or more worth a few grand and the bailiffs can't get anything could they issue a SD and make a person bankrupt?
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OR offering house back
Hi Everyone. Just wondered if you could tell me whether the OR has to offer the beneficial interest in our house back to us. My husband and I both went bankrupt in November 2009 and there is no equity in our house. We are wondering though whether they will wait the 5 years, see if the equity goes up and then try to take…
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My name on the mortgage???
Hi all, As some of you will know, I was given early discharge recently. My OH has just had an offer accepted on a property and we move in around a month. My question is this: Would putting my name on the mortgage with the OH have a detremental effect on her credit rating/score?? Does being a discharged bankrupt have a…
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Bought house from person in debt
Hi Didnt really know where to post this - feel free to move it elsewhere. I am looking for a bit of advice for in inlaws - they have absolutley no debt (lucky things), they moved house earlier this year and have since found out that the woman who was engaged to the bloke they bought it off was in a lot of debt. Problem is…
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Replacing car in whilst BR
Partner is BR and has a very old cheap car which the OR has said verbally would be exempted for work. Its about to have its tax expire and also needs a MOT We have today been offered an over generous PX deal for it on a car which would cost £2100. The money is coming from my savings. I am buying it as he needs a reliable…
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Another question
Hi people,hope you are all well,If i decide to buy bi from my hubby after he has gone br,does our mortgage have to be up to date-ie no arrears? to fund everything we were going to reduce our monthly payments,will this affect anything. Bloody raining here,and I haave just lit the bbq:mad:
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Q. re BI - is it worth it? and housing
Hello all, has been a while since I've been on here, since my bankruptcy I've been getting on with other things and helping my OH get his DRO approved which is killing me! It will be so nice when my hard work pays off, it's very stressful. Anyway, I have received a letter from the OR saying we can buy the BI for the life…
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Buying back Life Policy from OR
Hello All, I've just received a letter from my OR stating that I can buy back my interest in my Assured Life Insurance Policy for £50. How do you pay this? Is it generally cash only at the OR's office or can you do a bank transfer? I can call them on Monday to find out but thought that someone on here would know.:) Thanks,
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Joint mortgage with bankrupt killing my credit?
Hello there, sorry if this becomes a long post! i had an IVA Nov 2003 which is fully finished now Today I checked my credit reference and finally all the incorrect defaults are removed. Experian gave me a credit score of 999 and excellent. Equifax is showing as clear. I applied for an MBNA card today to try and sort out my…
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Discharged from BR and circumstances now changed
Hi Could someone help me with the following... My partner and I went BR in January 2009 and have since been discharged. I had to pay some contribution towards my debts and have continued to do so however i have just had a baby in March and of course I am now on maternity pay and soon statutory pay which will need i will…
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Cheque from the OR
Hi Guys, Long time since i've been on here as we we're discharged in 2008. Couldn't believe it this morning !! a cheque for £4000 has just arrived from The Insolvency Service in Birmingham. There is no accompanying letter or anything just a very official looking A4 piece of paper stating "remittance Advice" with a cheque…
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To put ipa or ipo in place
how long does it take the o/r,s office to put an ipa or ipo in place,how do they work do they send you a questionaire about income and how long do you get to respond,and what is the difference between the two thx in advance
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Not BR related - not sure where to put post
Hi, This isn't br related but I'm not sure where to put this but as I know there is much help & wisdom on here I'll make a start. A friend of mine's OH has been admitted into a crea home. He has dementia. Before he got to bad, she wrote to all his creditors etc to say that she had authority to discuss & deal with account…
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Just made my first move!!!
I,ve been lurking on this site for weeks researching bankruptcy,spoken to CCCS,Nat Debtline and CAB and filled in bankruptcy forms,done numerous SOAs.However,I have not done anytning really commited until just now when watching the England Match!!I went onto my Barclays online banking and cancelled all my CC and loan…
