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Inherritance/windfalls etc
Can you clarify something for me please. If you get inherittenance or a windfall etc do you still have to declare these after you have been discharged? if so for how long?
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Anyone else been here
Hi every-one, As you know we are trying to rent-unsuccessfully-we have looked on gumtree and look through the local papers. Has anyone managed to rent through an agency,bearing in mind our credit rating is probably non-existant,we just dont know where to start,how long have we got when we cancel our mortgage,do they start…
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Advice on online forms please
Hi i'm new on here but have made the decision to fill my forms online. I was just hoping for a bit of advice ? Once i have filled them in and submitted them have i officially set the wheels in motion ? Does this automate a date when i have to go to court with my papers or should i just turn up with my papers to my local…
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Booked my BR but ages to wait. Terrified.
I'm absoluetly crapping it.. terrified and got to wait until the 10th Aug arghhhhhhhhhhhhhhhh What will I do in the mean time with these people that keep coming to my door:mad: This who thing is making me so ill. My midwife is really worried about me, I really didnt want to wait that long and go to the court with a big…
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Abreviations
Hi everyone. i am new on here and it is hard trying to find out what some of the abreviations mean ? OR = Official reciever BR = bankrupcy ect could someone please post a full list if there is one ?:( what does IPA mean for example ? regards fedupmr :mad:
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Can I apply for a bank account yet?
Hi everyone I'm pretty sure this will have been asked already.. Just been to court today and handed my BR papers in and paid the fee and got the bankruptcy order with my number. Just waiting on the OR to ring me am i able to apply for one of the bank accounts mentioned in the bank accounts sticky.. or do i have to wait…
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claim for esa
Hi, I am already br and have had my or conversation (wasn't actually an interview) but have been advised to apply for esa as I'm currently unemployed. Would the or set up an ipa because of this extra benefit if I was to get it? We have approximately £70 excess according to our soa at the moment although we seem to be worse…
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council tax
Hi everyone! I went bankrupt in Jan 2010 but nothing has been done as yet? My property which has been vacant since end of Dec has still not been repossessed as far as I know and the council are now asking me to pay council tax on it as it has been 6 months? I have emailed the insolvency service to ask what's going on but…
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Another IPA QUestion
Just wondered if anybody knew the answer to the following please, went BR feb 17th and as yet had no mention of an IPA done as my partner only went back to work last week after been on maternity leave and OR said it would probably be better to wait till after then so all child care costs etc can be sorted first. My…
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Help needed - credit card - credit score
hi guys I was early discharged 18mths ago however my credit score seems to still be going down even though i dont have debt. I do however have a credit card now and wondered, if i use it for daily expenses and pay it off in full when the balance is done, will this help improve my credit score? or can you recommend how i do…
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Been a long time, but I need some help
Hi everyone, its been a while since I last posted. I was made BR back in Oct 2008 so have now been discharged and things are ticking along ok. Had a baby in 2009 and my eldest started school so been a busy old year and a half!! Hubby still has debts but he is working hard at paying them off. Anyway I need some advice. Back…
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OR interview today, not prepared at all!
Hi Guys Well, today is the day. Hubby and I have OR Interview's today. He is at 2pm and then mine at 3pm. However, we moved house this weekend and I have been so busy the last 2 weeks packing etc that I haven't got copies of the signed forms back to the OR. I have been unable to get bank statements as well. One bank said…
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Considering Bankruptcy from Abroad
I am a Bitish Citizen living in NZ, I've been here since Jan 2010. I have 4 credit cards with roughly £8k over all of them and a personal load of £17k. I am a student and have no income and no one is in a position to help me with my debt, including family. I am considering declaring bankruptcy. Does anyone know how to go…
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Ipa question
Both me & my husband went BR at the same time, can I ask for an IPA there has to be a surplus income of £99 per month or more, so if we are both BR & have a joint SOA (impossible to create a single one each) does that mean that our surplus would have to be £198 or more?
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Online
I'm going bankrupt on Tuesday and I paid an IP to do the forms for me. I see mention on here of submitting things online. Is that compulsory? Better in some way?
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Copy of my Bankruptcy Order
Sorry if this has been covered elsewhere, but I can't seem to find it. Declared BR in 06, Discharged in 07 but have just found 3 accounts involved still being updated monthly unsettled with outstanding balances. I'm looking to follow the instructions in the Sticky guide to credit file clean-up. It looks like i may have…
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I failed an IVA, can i try another?
As above really, went throuhy hard times an failed on payments, can I try with another company!?
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Life after BR
I know no one wants to go br and its a very stressfull and upseting time but as someone who is about to to go through it I just wondered what life is like afterwards is it possible to rebuild your life and get back to normal. What are the biggest problems and can they be overcome? I have no choice but to do it now and my…
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Due for discharge in 2 weeks and no news on my house?
Hi All Well I am due for automatic discharge on 30 June 2010 (after serving my full 12 months!!!) yet I still have not heard anything about the beneficial interest in my house. I completed the contract/agreement on purchasing it in October last year, sent in my home valuations yet I have heard nothing. Has anyone been in a…
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What about my BI? Do i need to ask?
Hi All, This Thurs 17th I register my forms and pay my fees with the OR then off to the High Court (Belfast) to pay my 2nd fee. The judge sits on Thursdays and I am keeping my fingers crossed that he might see me all in one day. Too good to be true prob. I'm hoping someone can answer this question for me about BI. Do I ask…
