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How long a wait for OR interview
Hi all just another quick question, How long from going to court until OR reciever interview??
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Landline Telephone & Broadband - Hull
Hi, I was hoping someone can help me. I am a professional, single person working hard through my first year of being bankrupt to get my life back on track. One of my first cost saving cuts before going bankrupt was to get rid of my landline and broadband connection as it was costing too much and having a dongle connection…
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Advice Needed ASAP
Hello Im hoping someone could help or provide advice I had a hp agrrement on a car stereo back in 2001 the items were faulty and returned the goods to the store who said tehy would cancel the agreement Capquest now have the debt and have bumped it up to £1982 yet at christmas offered a settlement of £646!!! they now have…
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Bailiffs
I didn't know where to post this question, but here goes. My husband and I split over 2 years ago, and we haven't divorced partly because I am a Christian and can't get my head around it, but a few months ago I did look into divorce with some free legal advice because of the debt he is incurring: the solicitor said a…
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Going Bankrupt quicker then we thought
Hi all just a quickie really and a thanks to all of you who have answered my questions. Well hubby just rang and his dad is going to give us the money for bankruptcy bless him what a nice man. So i am just waiting for an appointment at CAB to get them to check over my forms make sure they all done right cos knowing me…
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Car on Hp
Hi all, before we hit the bankruptcy stage we have been advised by CCCS to first hand our car back. It is on HP with a 59month contract, we are on the 24th payment due now, with no arrears. My question is do we have in any rights like an extended term or reduced payments, I am just thinking ahead, if we can avoid…
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newbie in desperate need of help!
Hi all, I am desperate for a bit of advice about going bankrupt. I have 2 credit cards and 2 loans (unsecured) totalling to just under 20k. The debts are in my name only, will that affect my hubby's credit? We have seperate bank accounts, the gas, water, phone etc are paid by direct debit from my account, would it be worth…
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NT tax code -- why?
In common with most bankrupts (I think) I'm going to be placed on an NT tax code, so instead of paying income tax to the Treasury, I'll pay it to the Official Receiver. What is the point of this? Isn't this equivalent to the Treasury helping to pay off my debts, since they're no longer getting my taxes but my creditors are…
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"Punishing" bankrupts
I'm interested in why some companies appear to "punish" bankrupts by not offering them services or restricting their services. I read on here yesterday that Virgin Media closed down someone's account when they heard they'd gone bankrupt. Why? What's the point of that? As we all know, only the Co-op and Barclays offer…
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some BR advice for motherinlaw.
ok i will try+keep this short, my motherinlaw ran a wee cafe for 6 years+my wife worked for here. she had to cease trading on 20/5/10,the cafe was not making money,she had no wages for the last 6 months+the debts were adding up. on top of all that my wife was due to start maternity leave on 7/6/10,so she had to start it…
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I dn't o what to do hece sitting here at 5.30am
Not sure what to say really... I'm 20 days off being 21 years old ad all I can say is I made an error! I'm in at least £20,000 worth of debt (could be more) from whe me and an ex were together... yeh guess what muggins got left with all the debt!! I got with my new guy a year ago and I've ignored all debts since the and…
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Mortgage Rescue Scheme
Hi Been speaking to the helpful people at CCCS today with regards our mortgage, we cant afford full payment or the full interest only payment. We are unable to claim payment help from the benefit people as I work 25hrs a week. We are going to try and get our lender to reconsider Homeowners Mortgage Support now that we have…
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Advice please re bank statement history
Hi all i was just wondering if after you lodge bankruptcy forms and you see OR Do you have to supply them with bank account statements? If so how far back do you need them? Thanks
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Informing the OR of changes question
Hi, this may sound like a stupid question, but I know you have to inform the OR of changes in your financial circumstances within 21 days, but is this 21 working days or are weekends included?
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How to find out if someone is bankrupt.....
.......and where to go from here. Hi All I hope someone can help me. My little girl goes to a local "after-school club" to provide childcare while I am at work. On Monday at 6.15pm, I got a text (oh yes, a text!!) from the manageress to say that the business is permanently closing this friday. She says that Saturday…
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SOA (sort of) all advice welcome
Hi all, here is my income and outgoings, not official SOA, I am currently on a DMP, but circumstances have changed so please have a look ..... adults in house...............2 children in house.............3 Take home wage.............1100 Child Benefit...................201 Tax credits.....................676 total…
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just had a phonecall from endeavour
tolod them we were made bankrupt and was told that the second charge isn't covered by the bankruptcy and that they were going to go for an attachment of earnings on oh. I told him we were going for vr and he said not their problem they were going for attachment of earnings. really really upset, we cant afford an attachment…
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Virgin Media and Bankruptcy
Hello, We were discharged from BR almost a year ago and since then have not attempted 'file clean-up'. We have Sky TV (for past 5 yrs) and now would like to switch to Virgin. Reading the small print it says 'subject to status and credit checks'. Status is fine (both employed/home owners)...but credit check!?!…
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OR Home Visit question..
Just a quick one... Once I have petitioned for BR, and been granted this, do the OR come out to the house to look at what I have? I only ask, as I don't have anything of value, other than my daughter's Nintendo DS and a Wii (both bought by other people for her) the only games are childs games, and I would like to be sure…
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Unpaid Council Tax & Bailiffs - What Next?
I was unable to pay my Council Tax so ended up getting a Liability Order served a few months ago. I've since had two visits from the bailiffs (I didn't let them in obviously!) and they've added a further £24.50 and £18.00 to the bill. I've heard that the bailiffs can't add any more fees on. Is that right? I don't have the…