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Letter to creditors
I vaguely reading on here that someone had a draft letter that they sent to creditors to ask them to stop contacting them by phone and to correspond in writing only and to explain that I am seeking advice from CAB regarding finances etc. Can anyone help with this letter and what to put and is it worth doing? I stupidly…
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At what point does OR write to all your creditors?
At what point does the official reciever write to all your creditors to inform them of the IPA and what is owed, and that they are part of an individuals bankruptcy etc? How likely is it that the OR will contact creditors or family/friends who are listed on creditor list to interview them about the debts verbally? Or is is…
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Rent Deposit
We live in private rented accomodation. There is the possibility that we may have to move, later in the year, to a cheaper place. If so, we should get back our month asnd a halves deposit. Although we will need this to put down on another place, will the OR snaffle this for his beer fund, since we will probably get this…
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Details of my OR Interview
Well, its done. Thanks to the guys on the forum I was well prepared but still nervous. I should have listened when people say not to worry. The OR was so pleasant and nice. We just went through my cards/loans etc and reasons why my business falied and then onto the SOA. We are a 2 adults and 2 kids household..she actuall…
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business account BR
Hiya, my Husband and I are both going BR. We have a joint account with Lloyds for everything and then he has a seperate account with Lloyds which he uses as a business account (not an official business acount with business manager or anything). His business account is overdrawn at present by £250 (OD limit is £250) and…
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Got to go BR now
Can't cope with the constant calls and letters and now knocks at the door... making me ill. and being pregnant too I just can't cope. Whats the 1st thing i should do. Do I ring the court for a date? I got the paper work... hopefully its filled in right, although i filled it out 2 months ago and now the amounts i owe are…
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Any other option but Co Op??
Morning, Does anyone else have an account with a bank other than Co Op that offers a debit card? Co Op have been good (bankrupt nearly 3 years) but I want an additional bills account and they agreed it then sent a letter refusing a week later. I get narked at that. Also how long until us BR's can get a normal debit card???…
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Having a bad day
Ive been filling in the rest of my forms and it came to questions and the reasons for your debts and all the old memories came flooding back and i cant stop crying , its been 4 years since i started my DMP and im now saving for the BR I have lots to be thankful for, i have a new relationship and im trying to peace my life…
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life insurance
can anyone help is it true that when made bankrupt by HMRC that when you die they will take you life insurance .Also what happens if you carry on working after being made bankrupt .We are both in our sixties and all this worry is making us ill .Thanks
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House Insurance for Bankrupt?
Hi My house insurance is up for renewal and I have tried to get quotes from comparison sites. However my OH was declared bankrupt last year and so I have to click "yes" on the BR question on the site and so they have declined to give me a quote. Does anyone know any companies that definitely offer House Insurance to people…
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Council Tax
Hi All Before I go to my local council and ram this court summons so far up someones back side can you please confirm The bill is dated 17/07/09 to 05/02/10 I was made BR on the 17/11/09 Can this bill be included in my BR Thing is this bill was paid in full. However I had missed a few payments for my house that was repo'd…
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Just an update
had a letter just now in the post from TLT, saying that are arranging for the restricitions of the or to be removed at the land registry, with the deed of assignment signed by the or attached - im soooo happy and relieved. Im that happy, im going to cry and i shouldnt as im 6 months pregnant!!!!! Cant phone hubby until 10…
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Few questions regarding bankruptcy etc
Hi, 1st post but hoping someone may be able to shed some light for me. Currently have circa 30k debt and out of work but hoping to be in a new job in a couple of weeks. I'm down to my last lot of redundancy and going to be struggling to meet my payments for c/c's and loans in the next 2 weeks. Now looking to claim…
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Yipee!
Today Ive checked IIR and Im now off the site exactly 3 months to the day of my BR discharge! Im just so pleased about this - I feel clean now :0)
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how long have I got?
Hiya, I see that some people have had their creditors come to their house demanding money because they haven't paid them. I have cancelled my direct debits as of end of May, and I was wondering how long do I have before people start coming round? In other words how many payments can I miss before they start to hound me?…
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getting a little worried now...
On Monday we had Fieldcall round for my husbands Egg debt (they left a letter) and then today I had resolvecall round for my egg debt. I didn't answer the door today cos I am a wuss but know it isn't a long term solution especially as my kitchen window is next to my front door. When I do answer, am I okay to tell them to…
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what happens if i sello my car before BR ?
right my mum has said she is willing to "buy " my car from me its value is 400 in poor condition on the parkers website well she has gave mee £760 which i intend to use to pay rent and put some towards BR fees for hubby and i, but would the OR think bad things as i would be selling it to my mum and she is more than happy…
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help please
hi im new and totally rubbish on computer. i lost my mum last year and had to sell our home to pay nursing fees and pay of huge loan secured on it for her so called friend. i made nothing from sale. i now rent back from buyer, but it took ages to sell and i have been ill with cancer forover 5 years but due to care of mum…
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Company Threatening to bankrupt me
Hi all i use to have a car with yes car credit, due to an accident that wasn't my fault the car got wrote off. the shortfall on the car wasnt completely covered and go debt.co.uk chased me for this shortfall £2500 they threatened to bankrupt me about 4 years ago if i didnt pay them the £2500... after some debating with…
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I went Bankrupt last Wednesday, how long will it be before my accounts are frozen?
I went bankrupt last Wednesday (June 2nd). I just wondered how long it would be, before my accounts and online banking facilities are frozen. Looking forward to seeing that happening then I can see things are moving forwards in my financial life :j
