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House valuations
Hi, just reading another post got me thinking. Will I need to get house valuations for the OR to submit with all my forms? We have a valuation from March but not sure that will be accepted. We want to buy back the BI Thanks
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direct debits when bankrupt
If you go bankrupt, can you do direct debits through your basic bank account? Otherwise how to you pay for things like life insurance premiums? Thanks
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Help and advise needed please.
Some good advise needed please as not sure what to do. My wife and I have got in to serious debt, we have since broke up but need to sort this mess out. Our house is worth approx £195,000, the mortgage is 187,000 and we have a secured loan on it for £40,000. She has credit card bills of £20,000 and mine are £28,000. The…
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Help or phoning back for info
Hi Had my OR interview today its don't sound good at all....... She wants to know my partners income, tried to explain he does give me anything each month as he self employed and is paying his overheads and due to business not going well there is nothing left over each month and this is one of the reasons i am going…
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Husband in IVA, I've been refused a business loan??!!
My husband entered into an IVA October 2009. I am not on the IVA, all the credit is in my husbands name, apart from ONE joint account, which did have an overdraft limit which was also put in the IVA. Naturally, I was then contacted to pay off the overdraft, which I have been doing at £40 per month since last November,…
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Advising Mortgage company of change in BI
Hi, I went BR in June 2009, discharged Dec 2010. At the time of my BR the OR placed a charge on my share of our house. My wife purchased my beneficial interest in our home through the OR for £1. All paperwork was completed and finished in April 2010. OR removed their charge at that time. For various reasons we have been…
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need help
went bankrupt in march,my tax credits have gone in bank that was closed,can i get money back.i owed this bank money
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Barclays Basic Bank Account
Hi everyone, Just like to say a big thank you to everyone for this forum - your help and the information here has been absolutely wonderful. I've just got off the phone with my local Barclays and explained I'm looking to open a basic bank account prior to pettitioning for bankruptcy (1st July). I was pretty much told that…
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Heard from hmrc today
Hmrc told my husband although he recieved statutory demand 6 weeks ago it could be months before they file for bankruptcy as they are into the end of july now.what does that tell you !!!!
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Mortgage rescue scheme
Hi, We are getting help from the CAB at the moment, with the goal of becoming bankrupt in the next few months. Our mortgage is £830 per month which is very high (125% NR mortgage) for a 2 bed terrace house. It is in neg equity (surprise surprise) and we could rent privately for around £600 pm. I was told by our advisor…
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Redundancy & Bankruptcy
Hi everyone Been a while since I was on here but just wanted to pose a question to those knowledgable members on here and would be ever so grateful if someone could please advise. My husband and I were declared bankrupt in April 2009. We are currently paying the official receiver a proportion of our wages. My husband is…
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new co-op accountand direct debits
ive probably asked this before so forgive me but if i phone the co-op and give them the bank details of mine and partners old banks can they just transfer over any active direct debits to the co -op or do i need details of each dd? thanks
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Opening a Barclays account: an hour?
I've booked an appointment to open a basic account at Barclays and the lady on the information desk said a couple of strange things. First, she said the policy is that you have to book an appointment to open one and that it can't be within 48 hours of making the appointment. So I went in on Tuesday, but the earliest they…
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how long from date they write to crediters for ED where they have 28+7 to object how?
hi guys sorry for going on was put forward for ED on 20th may and they sent crediters the forms or whatever same day to give them 28+7 days to object so does anyone no how long it takes to no weather you get ED or not thank you?
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CCJ/Warrant Of Exection returned on 1st visit query
Appologies if this is the wrong forum or section, please direct me to somewhere more appropiate. I have had a CCJ lodged against me (due to a disagreement in payment terms between myself and a corporate entity). The amount owed was never under dispute, I was considering at the time to defend my position but in the end I…
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starting work during BR
Hi everyone this is my first post on here so bare with me! Right... I went bankrupt on Feb 4th 2010. I was and still am on JSA. I start my new job next week and im abit confused about my income / expenses. What does the OR allow and how much? Will i automatically have a nil tax code? Will my new employer know that i have…
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bankruptcy and holidays
I would like to know if someone who has gone bankrupt and has also lived on benefits can still afford to go on two holidays in the 3months since made bankrupt and should they inform the OR ?
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I'm doing it tomorrow
Well friends, my date is tomorrow. I shall be leaving home at 7.30am for the long drive to Belfast High Court. I am cr..ping myself BUT feel the time is right. I am proud to say I have filled in all my own forms with wonderful help from many of you. Thank you. I have my 3 copies of everything, have my fees (cash) and have…
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Handing the keys back - should I devalue?
Bit of a strange question... I am voluntary handing the keys back to the mortgage company shortly. I have silver flat plate sockets and switches that were a lot more money than the white ones! I'm just wondering whether it is worth me paying £150 for an electrician to change these sockets to the cheaper ones, or just leave…
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Co-op account daft question
Im filling in an online form that is asking me for my branch location of my account. Now I dont have one so what do I put here - just the one most local one to me? (wont let me leave it blank)
