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An apologiy and a request
Hello, firstly an apology if these have been answered before but I have been searching and reading and getting more confused also sorry if I ramble. I live in Scotland and am in a mess, I have several large debts and cant seem to get out of the bit, I just seem to think I have things "ok" and then something else pops up,…
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My OR story
Hi Folks, Its been a while since I posted so just thought I would give you all an update. Went br at the beginning of June and had my OR interview over the phone arranged for one day last week at a given time. As I was working I could not make this time so emailed the person who was to interview me (3 times) with no reply.…
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can you be bankrupt more than once and implications
my friend was bankrupt in 1994,he wants to know can he be bankrupt again and if so how long would this bankruptcy last,could it be longer than the year as it is now?
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More questions!!
Sorry to ask more questions, but I asked this on another thread and I think it got lost. Regarding car insurance, has anyone any experience of post office? I have been insured with them for a few years wih no problems, im only third party due to having a old car. Does any one know if they will insure me once br and if so…
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Question with S.O.A
with the creditors they ask when you took on the debt, how accurate do you need to be? i have some dates but some its so long ago ive disposed of the paperwork! would a rough date be ok? Also with the addresses do i but down the people i.e barclays or the credit company who keep hassling me? Many thanks
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Barclaycard/Mercers and more
Hi hope you can give me advice, I was getting a lot of hassle from Mercers who took over from Calders for Barclaycard. I had written to them enclosing my token payments (sent direct to ~Barclaycard) and enclosing my SOA as prepared by Consumer Credit Counselling. They ignored that and continued using the debt collectors. I…
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I'm in the papers :)
I wrote a letter to the professional journal I subscribe to and they printed it: yay! Oh, and I guess I must have been in the London Gazette because I got a letter from Halifax today saying they'd seen the notice of my bankruptcy there and were freezing my account. They confirmed they would definitely be closing it once…
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Bankrupt and received form P91 from HMRC
I am currently receiving ESA. The form asks whether I'm in receipt of Jobseekers Allowance but doesn't ask about ESA (or any other type of benefit). Do I tick yes or no?
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Bankrupt At LAST!!!
At last! Today I finally got word that I am now officially bankrupt! :j I know it might sound daft, but I am so relieved that it has finally happened. Now I can get on with my life, and as long as I behave myself, all this will be a thing of the past. WooooooooooHooooooooooo!! Funny thing is, it was all so simple - I…
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Very confused.
I don't know if this is the right place to post but it's bankruptcy related and I would be very grateful for any advice please. My boyfriend and I started a business in 2006, my Mother, myself and my boyfriends father all loaned the company various amounts to get started. Unfortunately the business failed in 2008, the…
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Bankruptcy when in IVA
HI, I have been in an IVA for just over a year now and whilst i can currently afford to pay it is likely my work circumstances are going to change. My quetion is can you go bankrupt whilst in an IVA? Also what will happen to my property, it is currently on a joint interest only mortgage with my ex-wife and it is currently…
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Do i need to inform the OR?
Hi all, I just wanted to know.... I think i may have a small credit on my gas & electricity accounts - no more than £200 if i claim this back do i need to tell the OR about it? I have looked in my bankruptcy information but couldn't see any information about it so just wanted to check Thanks Steph
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Zurich Car insurance
Has anyone got any experience of this company in terms of car insurance whilst bankrupt. My Partner is about to get a new car and I will be registered owner but he will be insuring it as he is main driver.....and I dont want the insurance to be invalid because of BR.
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Cleaning Up after BR
Hello people i am after abit of help, i get discharged from my BR on wednesday next week!!!! i am wanting to know where do i start on sorting out my credit file?? who i contact about marking my defaults as settled etc? thanks mark
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possible bankrupt
I share a house with my disabled mother im her carer as well as working in the local authority but all does not look well the cuts are coming hard and fast i have a £14,000 loan used to do work within the property it was an unsecured loan which if i lose my job i will not be able to pay. My mother owns the house but has…
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Cooperative ISA and CRF
Hi all, Was discharged July last year and had no problems opening a bank account with cooperative. I need to save some hard earned cash, i rang the cooperative to ask if it was poss i could have a savings account as well as having my cooperative card cash bank account, they explained it might be possible but it would…
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How old does the debt need to be?
As above, i am considering bankruptcy, have spent hours on here and tried to educate myself. only problem i can see now is that my debt is fairly new, i'm 25 and i took out 2 loans at the early part of this year, one was to consolidate and one was to pay off my staff loan i had where i worked as i needed to leave my job…
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IPA Given
Can anyone advise? I've just received a letter saying I have to pay an IPA for 36 months at 65.00 per month. But my surplus is only £90.00 a month. My original SOA was agreed by the OR in my initial interview and nothing has changed so how can this be? thanks
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The july 2010 br club
Hi everyone, welcome to the July 2010 Bankruptcy Club. This club is for everyone who has gone through the process of Bankruptcy during July 2010. So please feel free to join and post. Pop your name on here, the date that you went Bankrupt and the stage that you are at now in your Bankruptcy. And then just keep everyone in…
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our interviews are booked for next thursday
mines at 10 and oh is at 11. the lady is lovely, I asked her if there was anything she needed and she responded that no as it looks like a straight forward case, I told her I was really worried about next week and she said that I'm not trying to trivilise your debt, but to put it into context, the Government owe billions…
