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Reposession
If I move into a rented property say in the next month or two and I then go BR and give the OR my keys to my flat back as giving it up how long does it take to actually be repossessed? Also would I still need to pay council tax on both places or are there costs that I will still be liable for? Cheers
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Bankruptcy forms, help please?
Hi, I have followed the link here to insolvencydirect.gov.uk and registered, I have started to fill out the forms 6.27 & 6.28. Do I have to fill any more out? Do I have to print any off? Once filled out do I just submit on line and that is that?
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New bank account
Is the OR likely to want bank statements from new cashminder account or just from old accounts that I owe money too? Also I am getting more and more letters from creditors telling me I must contact them today or else they will take further action ie send someone to see me or court action. I have already written to them and…
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Self employed, business bank account?
Hi, I am about to file for BR next week, I am self employed and have been told by the Business debtline that I can still trade but under the same business name at the time of BR. My question is........obviously all my bank accounts will be closed, so when I invoice my customers, who do I ask them to make cheques payable…
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Do I open an account before I go BR?
I have read on here that some people are saying you should open a new account before I go bankrupt and others have said to leave it just after? Also my credit rating now is shot to pieces now thanks to HSBC! So am I likely to get one at all? Which one (if I can get one) would anybody recommend?
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Bank accounts (Pre-Bankruptcy) advice
Hi, I am saving for my £450 fee and get benefits paid by BACS .. National Debt Helpline suggested I could take out a Co-Op or Post Office account BEFORE going bankrupt. I was told it would probably be frozen for 4 weeks or so whilst the order goes through, but after I could carry on using it. The reason I urgently need to…
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OR Interview at 2pm today!!
Yup.. it's today... I've spoken very briefly to my OR on monday when he managed to reschedule my appointment from next monday to today.. as I start a new job on monday.. and he sounded nice enough. I've been quite calm to be honest, its a phone call right.. just go through it and answer best I can.. nooo problemo... until…
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Help. Corporate credit card query!
I have recently been offered a great new job and things were looking up. Until this morning that is. The postman arrived with my offer letter, copy of contract etc and in with the details about the position was an application for a Onecard, through Royal Bank of Scotland. It appears that the company uses such a card to…
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BR is looming
Well, it had been on the card for a year or so.... I will be sequestrated on the 1st of July for old (2008) business debts.... Need a bit of advice on a couple of points... 1- I run a 51 plate transit van for work (courier). It is worth £1200 approx and has over 150,000 miles on the clock... Will it be under threat? 2-…
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speeding fine
daughter went b/r last week and has an unpaid speeding fine from 3 weeks ago can this be added to unpaid debts or does she still have to pay?
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Ava8 is BR today!!!!!!!!!!
Well folks, I did it...... And I feel pretty damn good about it. This morning at 11.30am I met with the Judge in Belfast and she granted my BR. What a sweetheart she was too, never made me feel anything other than at my ease. She asked had I sought advice before making my decision and asked me why I had struggled for so…
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Do local papers always print ??
Hi All Can anyone tell me, if you go BR and are given a BRO/BRU do local papers always print the details.. And is there anyway around it.
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Can Bankruptcy Prevent Me From Getting A Job?
I recently received a discharge from bankruptcy, it has not been a year yet, and I have fallen ill so I have not really tried to re-apply for a job yet. Before that bankruptcy, I had a stable job as lecturer at a community college, and I have gotten in so much personal issues and have fallen into debt, hence the…
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Professional advice pre-bankruptcy
Hello, Is it imperative that you seek professional advice before presenting a bankruptcy petition and SoA to the court or can the court accept, from your SoA and particulars, that common sense would conclude that BR is the correct route and that it wasn't necessary to have obtained professional advice, so if you haven't…
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BR 20th May, how long before creditors stop hassling?
Hello all. I went BR on the 20th May. Im still getting letter from debt recovery people who i assume have bought the debt from the orignal creditor. Will the OR inform these people or just the original creditors? I didnt list any debt recovery companies in my petition, only creditors. Do i need to ring the debt recovery…
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Van on hire purchase?
Hi, I am going to file for BR next week but am trying to put things 'right' before I do. The main thing for me is to protect my van which I have on hire purchase. I spoke to an IP the other day and he said that it is the only form of transport in the household and I need it to go to work and earn a 'wage' as everyday I…
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House renting post Bankruptcy
Hi, In abit of a jam regarding renting a house not sure where I stand. Iv just found a house I like and can afford. Only problem is the letting agent has said due to a ccj on my file and having previously being bankrupt it now looks unlikely we can rent the house! I have a guarantor (two infact) and have paid the deposit…
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Santander
i was declared on 3rd June and on same day sent out recorded delivery letters to all companies i owe money to. They all received them on the 6th. I had a letter 3 days ago from Santander stating that i needed to call them as they were taking further action against me. I called them to give my Bankruptcy no but they stated…
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Wooooo early discharge for me
I received a letter this morning stating that as of the date the letter was stamped i was given early discharge...so went BR 13/10/09 ED 11/06/10....2 days shy of 8 months:j Rather scary that i potentionall could start getting credit again at some point.....i DONT want it, its scary Mary lol:eek:
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One week to go
This time next week I'll have been to the High Court to submit my forms. This is when I'll get my redundancy money through and can afford the fees. I've been sat round the flat for nearly a month now (on paid 'gardening leave') prior to being made redundant on the last day of the month. Just wondering if its normal to be a…
