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Inheritance During Bankrupt period
Hi, I wonder if anyone can advise me. My father died in Aug 09 and I was not discharged until Nov 09 and he died intestate. I realise that this means any inheritance due is treated as acquired property and therefore can be taken from me towards the bankruptcy. However I am I also correct that there is a 42 day rule that…
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Scottish Trust Deed advice
Im looking for a little bit of free advice. Im seriously struggling with my debts and im considering going through with this trust deed option. Ive just recently split from my girlfriend so im now living on my own and the house is all in my name so money is very tight. My unsecured loans come to in total £20000 and im…
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Almost discharged
Hi Everyone, Only 2 1/2 weeks to go now! Disappointed that ED never happened for us, but the relief of not worrying about phone calls and nasty creditors letters has been immense. I can't thank everyone enough for their advice so far. Just wondering has anyone found extra ways to make money once discharged from bankruptcy…
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Its me again....dithering...help!
Hi guys,so I have been taking everything in,I know what I have to do....where do I start,did any one else feel like this? I have been looking at rental property,but still not really done much else....feeling really frustrated:mad: and useless,there is so much to take in,am I expecting too much too soon?
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Undischarged and looking for a bank account
I had my BR order last week, and have my interview with the OR on Thursday, but I'm a bit concerned about my bank account. I opened a flex account with the Nationwide a year ago while I was saving the money for my BR. I have managed that account well enough to not be overdrawn, and I have no debt with the Nationwide. After…
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Can anyone answer these questions?
we went to court for bankrupcy last weds. since then i have had the OR on & off the phone. Also a company from a auction regarding my car. I went into an IVA about 18 months ago. this was not the answer and we could not keep up the payments. so we have now gone down this road. 1st question - do we have to change our bank…
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checked with the CCCS
Hi All Just checked with the CCCS and they advised BR would be the best option for me. I phoned them up on a number and this nice person went though all the details with me and advised that everything should go though ok with all the details provided. Now everything starts. First I have got to save the £600 so I have put…
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Does BR affect benefits
Does any one know if bankruptcy affects benefit payments. Had a phone call friday from one of the banks we had stoped using. Not a creditor. They told me they where freezing the account and wanted to know what to do with the money in it. The receiver has not let them know what to do with it. Back to the point. We should…
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SOA personal balance sheet
Hi , I have pretty much filled in the SOA but I cannot recognise at most people paste into this board as a personal balance sheet. Where can I find this information/ many thanks
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Early Discharge!!
Hi all, Havent posted in a while but received a letter stating that my Early Discharge took effect on 7th May! 3 Months early! hehehe I rang my OR to confirm this (just to be sure:o) and he confirmed it for me. He also said he would send me a "DENQ" letter out which I recieved 3 days later, apparently this letter is as…
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Very Unlucky.. Help please
Hope someone can help. I was forced to go bankrupt with 29k worth of credit card debt last Friday 11.06.10 Yesterday, 14.06 I had an unexpected payout via cheque from an insurance company of 36k -This was because I had multiple heart attacks last December at age 37. (I was only expecting them to cover my arrears when I…
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Freedom!!!! OR interview over .
Well glass of wine in hand , the one i didn,t manage after the court case , not that i felt like it then ..All the paperwork that has been in piles for months trying to sort this mess out , is now bundled up and in bags at the bottom of the fileing cabinet . children still not home from school .. sports or something ...so…
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ipa or ipo
how long does it take to get this organised by the o/r,im close to auto discharge was just wondering about this and wheather ad just passes or do the insolvency service contact you any more
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Just a couple of questions
Can i just say that i think you are all fantastic and so helpful it is great to be part of a forum that is helpful and without Judgement. anyway just a couple of questions mainly to do with SOA I am a single Working Parent earning 67.50 per week I have 2 children who i receive child maintenance for and the rest of my…
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When doe Bankruptcy Disappear?
Hi Guys, I have a quick question and wondered if anyone could help me. I know that the bankruptcy should come off my credit file after six years, but is it six years after you go bankrupt or six years after you are discharged? Many thanks
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Mrs F's OR interview
20 mins and all done. NT code to be applied. No IPA !!! But they are contacting Landlord. I'm to ring them to get in 1st, but am REALLY not looking forward to it. Wish me luck
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Help/Advice needed
Hi All, I need a bit of advice. Not sure if this is the right place - if not please let me know where is? My mum has been off work for a month or so as she had a stroke. Unfortunatly she has used up all of her sick pay so only got statutory sick pay in her wages this month. This has meant she cannot afford to pay all of…
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Scottish/English BR
Hello, I used to feel so lucky that in Scotland, our BR fees are much smaller and there is no scary court date, but from what I've read here if your surplus is less than £100 a month you are not expected to make monthly contributions. Not so here! I was shocked this morning after to my phone interview to learn that even…
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Near the End of my IVA
Hi, I suppose I have a couple of questions on this topic, I hope someone can help me. I have currently and IVA to pay off my debt that owe due to personal debt, This agreement is due to end at the end of september. After 18 months of paying half a grand of my salary to cover the IVA it will be a great relief once this is…
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bankruptcy and keeping my house
Hi all, Been to see cab and they have advised us that bankruptcy is our best option. My wife was the main earner with a very good wage but unfortunately was made redundant 9 months ago. We have since used all our savings of £10,000 to keep up with payments but this has now dried up. Wife can't get work and we have…
