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Advice need ASAP on Fee Remission for Tommorrow!
Hi, I am going to court tommorrow morning to go BR. I have left filling in the fee remisson form to the last minute though. I thought that it was pretty straight forward to complete. My partner got his full fee remisson successfully in Feb because he was on Jobseekers Allowance and I was on Incapacity Benefit. Now that I…
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Cccs interview
Had my interview with a woman from CCCS this week.I have been researching bankruptcy and checking out these forums for weeks now.Just beginning to feel brave enough to go for it as I have had these debts for years and have been robbing Peter to pay Paul so as to pay the minimum amounts.However I felt worse after the…
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letter to get ball rolling
Hi i am trying to help a cousin . marraige breakdown etc left house moved into council flat needs to get ball rolling to get house in negative equity reprossed as not getting any dole money until sorted . Has anyone got a letter which she can send , she intends to go bankrupt when she knows short fall but that is her only…
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writing to a judge
how do i address the judge in the letter to court to say we will be moving out and house can be reposessed? please
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LILA and benefits
Not sure if anyone can help/ been through this but i am wondering if anyone has gone through the LILA route to bankruptcy? i am unsure exactly how this works. i am on IB and IS get carers premium as mothers carer, and when we move next month HB. ( sounds like i get alot, but at min all i do get is IB and the carers premium…
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I did it today!
Hi everybody. This is my first post here on the forum and to begin with I would like to say a big thank you to everybody who posts and answers questions etc as all your help has been invaluable to me. I should have joined and started posting ages ago, don't really know why I didn't but I have now and thought i'd share my…
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MY Soa
Statement of Affairs and Personal Balance Sheet Household Information[/b] Number of adults in household........... 1 Number of children in household......... 2 Number of cars owned.................... 1 Company Car Monthly Income Details[/b] Monthly income after tax................ 293 Partners monthly income after…
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not sure what to do, in financial hell
Well I'm in a place where I really don't know what to do. I owe £16 on cc I owe £50 on mortgage I owe £23k secured loan not to mention the electricity and arrears. I started working self employed last year and have made no money, fallen behind with payments and such. The mortgage have been brill with payment hols, and now…
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Friend made bankrupt - payment protection insurance ?
I know someone who was made bankrupt a few years ago. It was not a pleaseant experience and was sadly unavoidable. Through divorce and loss of job and was mortgaged property. They thought their debt was cleared and they could begin again. Recent advertisements for payment protection inurance etc resulted in an agreed mis…
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New bank account with OH creditor?
Hiya, my OH and I are both going BR (soon!!!!!) and am setting up a Co-op bank account. I completely disregarded the barclays basic as my OH has a barclaycard which is one of his creditors. However, barclays would be easier as we have a bank in town (co-op is over 20 miles away). So, my question is, can I open a barclays…
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Franchise while BR??
Hi all, I wonder if any of you can help with this. I went BR last November, and I work part-time evenings in a supermrket. I'd love to stop the supermarket work for various reasons, but it's hard finding wotk to fit in around small people who just go to preschool! Anyway.. I belong to Slimming World, and am on my way to…
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Just had my OR interview....
Lasted an hour, and I would be understating a fact if I said that it went really well..... I spent an hour on the phone telling the OR my whole life story practically, and at the end of it, she told me that I have to pay less per month than I had originally budgeted for - so I have just come off the phone feeling really…
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Automatic Discharge
Hi all, i am due to be AD tomorrow,and was wondering what the procedure was, do i receive a letter confirming this? Can i just say that in the time leading up to my br and the ordeal of the forms and the day in court, the advice and help in this forum has been invaluable....thank you
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reason for bankruptcy
how does this sound. please amend it where you think necesssary, and abuse me as much as you want, I am really really ashamed of it Since the age of 18 I have always had credit, but it has always been affordable and I have been able to pay it back. In 2005, we brought our flat from Northern Rock on a 125% loan to value…
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Barclaycard all 3 CRF's wrong data
After writing to Barclaycard and receiving no answer, they have now sent old default data to all 3 CRA's. Absolute livid, have explained these defaults were part of a bankuptcy and they should know they must be the same date. Thing is bankruptcy has dropped off and they have gone and resent this stupid out of date data -…
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we've got a court date
we're going to the courts in Brighton on the 23rd June. Am very very scared, basically oh got a phonecall at work this morning, it was endeavour, they asked him if there was any point in continuing the phonecalls, he said no not really your just winding me up now phoning at all hours. they said find we're taking your file…
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Confused!
Hi all, I went bankrupt on the 2nd june and I have my interview with the OR on the 25th. I've been reading alot of the threads on here and from what I can see (I may be being blonde) the OR asks for bank statements. I've had 2 forms that I needed to sign and send back but they've not requested any other information. Is…
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Just been approved for a Vanquis card...
...at the stonking interest rate of 59.4%! Good job I only need it for car hire abroad (and the big fat 0's on my credit report!) :) For those on here that have one, what was your starting limit? Cheers, Chris
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Confused about Beneficial Interest??
Hi, I am now close to filling in my BR forms and asking for a court date. My only concern is the house, it is solely in my name, albeit hubby has contributed towards it and I believe he is entitled to 50%. Mortgage on it is 370,549, spoke to our Mortgage company about transferring to a Fixed rate as I am on SVR and they…
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I have a court date for house repossession
I am not going to the hearing, joint mortgage holder awol and I want them to reposess. If I don't turn up will the possession order be automatically be granted?
