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at wits end! please help!
Ok so i've posted about my own situation and its pretty clear cut and i'll be sorting that out soon through bankruptcy. But the issue now is my parents. They have UK credit card and loan debt of approx £140k and they now live in republic of ireland in a house they own worth 240,000 euros with a small 80,000 euro mortgage.…
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new problem argh!!!
Hi everyone These last few weeks seem to being going from bad to worse... Lots going on in my life that im trying to deal with and im trying very hard to keep my head above water (instead of having it in the sand) and not just in a financial way. But my really lovely hardworking hubby has been off work for a couple of…
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Trust Deed failed - why did NR reject it?
Hello :) I just found out that my Trust Deed has failed because NR rejected it. So now I have to go bankrupt. The IP company cannot understand it as they said in bankruptcy NR will get absolutely nothing whereas in the TD they would still have got something. There is no equity in my house so the IP said it is safe as long…
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New to here
Just wanted to say thank you to all on this site, it always help to know you arent the only family going through this. My husb and I are only at the start of the process so I may be relying on everyone for help along the way. We have been on a DMP with CCCS since last Sept, but husb lost his job and new job is less money…
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Bankruptcy and tenants rights
Hi all, I'm new to this site but have got a date to attend court to file for bankruptcy on 26/7/10. My worry is that I have a flat that will be repossessed in the bankruptcy (mortgage is with birmingham midshires and not buy to let although they do know that I have been renting it out and were not happy but have not…
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Half a story - but advise please
Mrs F has just rang to say we received a letter from OR office today regarding the £211 / £1 + fees for buying back the house. I've not read the letter. I assume as we are letting the property be repossesed, we can just ignore this. I will know more when i read the letter myself, but just some advise would be appreciated.…
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discharged- want to move on with my life
hi all, i was discharged back in nov 09. we are now in a position where we can put down a 10-15% deposit for a mortgage BUT i don't think that is actually going to mean anything because i can't find anyone that would lend to a discharged br. has anyone ever obtained a mortgage after br and if so how? my dh never went br…
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how to I improve my credit rating
Hi, not sure if I have posted this in the right place. I was made bankrupt in December 08 and was discharged in December 09. I have checked my credit reports and a lot of the details have an S next to them. Before you judge me, the bankruptcy was not my fault, I dont put all the blame on my ex, but it could have been…
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Advice please
Hubby was laid off from work a couple of weeks ago due to lack of work - hes working through an agency and has a start with another employer but not exactly sure when - its for Amazon and their depot for xmas warehouse staff - the agency are just waiting for Amazon to call and request people. Hes done all the drugs and…
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SOA Help
Hi, Sorry I'm new to this, I need to complete an updated SOA as I'm going on maternity leave next week. Is there a website that can help me fill this in, i.e show what is and isn't acceptable and what the limits are that's allowed for each thing? Also the receiver wrote to me asking for an IPA of £109 over a month ago, I'm…
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cant believe I am going to do this
after 3 years of waiting for one, work now want to give me a payrise and I'm going to turn it down, basically the reasons for turning it down are I dont want a link on my earnings for the next 3 years and also because I never plan to come back to this hellhole once my maternity leave finishes. typical isn't it, spend ages…
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Awaiting BR and today a debt collector letter.... advice please
morning all, as you may have read before, were awating our court date on the 4th Aug and so far we've been getting the letters and phone calls which i've not beed answering. But today we got a debt collector letter asking for £159 by 12th july, do we just ignore this too or phone them to tell them we cant pay etc... please…
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Bankruptcy - what If I was not honest on my loan application
I am going bankrupt. I have several personal loans. However, when I applied for some loans, I did not disclose all details of my other loans/credit cards as requested by the lender. I succefully got the loans without being asked to verify them. If I am going bankrupt, will the official receiver/lenders sue me for…
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Mbna /Optima Legal
Could Optima legal be withholding letters until is too late in order to get court Judgement; Has anyone else had the same experience;
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Trustee Letter
Hi - hope someone can shed some light on this. I received a letter from a Brankruptcy Trustee today informing me that my friend has been declared bankrupt and as I lent her money I am now a creditor. A claim form was included in the letter. my question is this. My friend is £52k in debt and has one asset i.e. house. Its…
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going bankrupt but own caravan?
Trying to help a friend, owns a caravan on a small camp site, personal use not rented out. Always pays ground rents, gas elec etc in cash. Although the site does have an account for them. Would the OR be able to trace this??
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Land Registry Title - for those of you who have bought back BI
Hi, We bought our BI back in January, and today out of curiosity I've been on the land registry site to look at our house. There is a restriction in the Proprietorship Register still showing that reads: 13.08.09 - Restriction - no disposition by a sole proprietor the registered estate (except a trust corporation) under…
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SOA please check
Please have a look and check this for me guys please i havn't added debts in yet as too many to list and im still going through them total around 30k Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details…
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Help please - letting agent says that guarantor must pay rent
posting on behalf of a freind, who was declared bankrupt feb 2010 he has applied to rent a furnished flat and was asked for a garantor and a bond because of the bankrupcy which he supplied However today the letting agent moved the goalpost and say the garantor must pay the rent 1 is this normal for a bankrupty? 2 or his he…
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Soa
Hi all can you just tell me if i include myself and my husbands income together on each others forms or just seperatly on our own sorry for all the questions