-
I have to go Bankrupt so why should it affect my OH??
Hi Guys Bit confused, just got off the phone to one of the debt advisory people and they have informed me that if I go bankrupt, then I will have to fill in my husbands earnings on my SOA. Fine, but bit confused as they said any surplus on the SOA would be used towards an IPA and that my husband would not be able to…
-
Got an Enforemant Notice and Default notice today?
Should I be worried does this mean baliffs are coming... Enforemant notice says i got to pay Lloyds tsb £300 or they will refere to there solisitors. Should i be worried :o
-
how much longer
we had the statutary demand 6 weeks ago and still waiting for summons does anyone know roughly how much longer we will have to wait .
-
Bankruptcy Abroad
Hi, I declared bankruptcy last month and i now have been offered the chance to live and work abroad in October, is this allowed as obviously i won't be discharged? Thanks for any advice, George
-
Help with soa
[FONT="]Hi everyone, [/FONT] [FONT="]Firstly I’d like to say a big thank you for this forum! Its provided genuine help during a difficult time for me and – along with National Debtline and CAB – has helped me figure out how to go about declaring my own bankruptcy.[/FONT] [FONT="] I’d be grateful for any…
-
Court appointment in 30 minutes
Wish me luck!
-
OR interview at 2 pm today ...eeeek!
Wish me luck ...the headaches already set in ... drove to plymouth to hand in paperwork yesterday , that took care of the afternoon .. the envelope they gave me was way too small , needed at least 3 , so i decided to take it there instead . She said she,d plough through it before this afternoon , just hope it ansewers most…
-
Can i get married whilst in a trust deed?
Hi Everyone, this is my first post so please forgive me if i have put it in the wrong section! My boyfriend and i have just got engaged and have started talking about when we should get married etc. I am currently in a trust deed and have just over a year remaining before i'm debt free. Am i able to get married to my…
-
Living out of country going bankrupt!
So I have googled and still no answers! I have lived outside of the UK for 7 years and want to file bankruptcy for a 7,000 credit card debt. Everywhere I look it says that it has to be filed within 3yrs of leaving the UK...so what do you do after 3 years :question: Thank you for any replies :)
-
SOA for CCJ admission
Hey guys, I wanted to go BR last year but g/f talked me out of it. More recently, I got hit with a CCJ claim while away with work and I need to fill in an SOA for the admission part to justify a monthly payment. Please could you have a look and tell me if anything is ludicrous? Oh, and today (the 16th) is the 14th day…
-
very confused please help.
Hi, me and my husband are wanting to go BR. i've been extensively researching and my head is about to explode!! i'm struggling with what i put as my income and expenses and what he does. Unfortunatly we're are both unemployed and are dependant on benefits. we have 3 children. section 6 of SOA income = my husband received…
-
Need to face my creditors
I've been ignoring the phone calls for a few months but now I've had a text to ring a debt collector- should I call them? Also I had a call in work from Virgin who started asking me security questions and I said I cant take personal calls in work so the calls are heating up I've just started to write some letters using the…
-
Can bankruptcy effect a spouse?
Hi, just after some quick advice. My brother met a girl 6 months ago, and now she is 16 weeks pregnant. They are going to get married in 4 weeks but we have just discovered some worrying facts. At present she doesn't have a job, has moved in with my parents, but still owns her own house. She hasn't paid the mortgage for…
-
toscat
hi everyone, I posted before but must have done something wrong as it never appeared. I've been lurking for a year now using my i phone but didn't have an E mail address so couldn't post. My story is the usual one had credit cards for years,used loans to pay them off,used cards again.No problem as I've worked all my life…
-
How to rebuild after Bankruptcy?
Hi, I have just passed the 3 year mark on my bankruptcy and was wondering what was the best way to rebuild credit rating. I know about the very high rate cc's but is it better to approach my bank first and go for an overdraft then cc thro them ? Any advice gratefully received.
-
The insolvency servics
Hi Just wondered if everyone knows that as soon as they go BR they are put on to here not allowed to post link. :eek: insolvency . gov . uk then look on left for the bankrupt search and then click to search on line . just follow the instructions as instructed. i found i was on here the day after i was made BR last week…
-
so cross with myself
Hi everyone As you may know I have been considering br for sometime and it looks like i will get a date in sept.I have been ignoring calls etc as advised but made a huge mistake today and answered one (witheld number) as this lady told me to pull over as i was driving and speak to her and stupidly i did. She told me that…
-
House, mortgage, etc
Any thoughts on this would be much appreciated. I met with the IP guy today. We have £150000 of unsecured debt in my name following the collapse of my business 2 years ago and I will go bankrupt in the next few weeks. We currently have a mortgage in joint names but have some arrears. My mum has offered to clear the arrears…
-
Transfered to RTLU
received a letter to day from the OR informing me that my bankruptcy file will be transfered to RTLU shortly, is this a good or a bad thing? Only went BR on the 12th may, never had my SOA questioned by the OR but he has put a NT IPA in place, just waiting for the tax code to be appled and for noon beaver to contact me.…
-
SoA help please!!!!
Hi Guys, I've reached the halfway point in my bankruptcy year so the trustee has requested an updated SoA. I am working in a part-time job where the hours vary so I have just used an average for my income of £450. The problem is that some months I can afford my outgoings and some months I can't. In the months where my pay…
