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money in co op account when going br
when we go br we will probably have (apart from living expenses) £750 saved that is a months rent as oh is self employed and in january wasnt paid for a while and we need to have it in case this happens again. will this be allowed do you think?
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Bankruptcy and a Mortgage?
OK, I have contacted the CAB and have an appointment for the end of next month :( So, seeing as how my question is quick and simple I thought I would ask you guys. If my ex-partner declares herself bankrupt, what would happen to our home? My partner and I have split after discovering that she was unable to remain faithful,…
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Do I need to let OR know that one of my debts has gone to Fredrickson International?
Hi everyone, One more question! I had an email this morning from one of the payday loan companies I defaulted with. They were in my bankruptcy and I was make bankrupt on Wednesday June 2nd 2010. The have e-mailed me to say the debt has been passed to Fredrickson International and that I must contact them immediately. Do I…
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Bankrupt as of June 2nd 2010, but a transaction appears on my Vanquis card on June 4
Hi everyone, I am probably worrying about nothing, but I wanted to check. I went voluntary bnakrupt on Wednesday June 2nd 2010. I used my Vanquis Visa for a small purchase (£8) on the afternoon of June 1st. The transaction date on my statement that came through is for June 4th. Because this transaction appears 2 days after…
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Pay car loan or not?
Hi There, am in two minds what to do! My husband is a self employed driving instructor and has a business account which he pays for his car from. His car is on a personal loan with Barclays Finance which he pays monthly. Now as we have cancelled all our DD due to us declaring BR we were told to cancel this car loan payment…
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need help with bankruptcy forms
hi everyone need a little help My oh is going bankrupt on monday 28th june got the court appointment.Filling in papers this weekend. Oh was unemployed so form would have been straight forward but now he has got employment started work on tuesday22nd june has to work 2 weeks in hand. So how would i fill in part about…
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When to apply for bank account
Went to see the co-op yesterday and they said it was best to set up an account after i was bankrupt. My question is when would be the best time, the day I file at the court or wait a little while?
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Co-op bank woohoo!
I knew there was a reason why I favoured Co-op bank and their Cashminder accounts...besides being BR.... Just had the Co-op Divi paid in...over a year, a wholesome £25! And I cannot use a Co-op store either,none nearby.... so based solely upon bank usage and insurances. now Haglifax wont entertain BR's........and the Co-op…
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Credit Card & Bank Statements Question
I have a few questions, it would be great if someone could help me out. I'm assuming that the OR is going to want to see all my bank account and credit card statements. I don't have any of my Credit card statements, i usually throw them away and just keep the payment slips for reference. How far back will the OR require…
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Ebay & Paypal
Could anyone tell me if the OR would want to see my Ebay and Paypal accounts, not that there is any money in my paypal account. i just use them for buying or selling the odd thing. Alfie
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Assets Question
Can anyone answer this. When putting assets down where do I stop. I mean do I put my stereo and Cds down or if I have a coat worth £120. Is there a minimum price sealing where I don't have to list things? Cheers Alfie
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help - br hearing today and childminder off sick
had a text from our childminder that she is sick today so cant take our son and we have noone else to have him. will they frown on us bringing our son along? how long should the case take?
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OR not replying back.
I have written and emailed the OR about 2 bank accounts we had. One had about £150 the other £5. I asked about the money and if we could close the accounts. The bank with £5 in rang up and said they had been informed we had been made bankrupt has though I did not know. They where closing the account and wanted to know what…
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Credit File after bankrupcy
Hello Peps, I am looking for some help, I am trying to clean up my report after going BR last year and I have hit a snag......HSBC have made some entries on my linked addresses, I did live at 52A Flat but on the report it shows as 52 which is a complete seperate building. What I want to know is if legally they have to move…
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Hassle from Egg
Now that I've been declared bankrupt, I've started answering the phone again. Egg keeps pestering me and there's something about their tone that winds me up. The guy (it's always the same one) claims I am required to give him details about my bankruptcy. I think he's wrong and I keep telling him he will hear from the OR in…
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Interview with OR
So my interview with the OR is on Monday. I know that he will ask about where my debts come from, but how much detail is he expecting. To be honest, I'm not 100% sure. I did an awful lot of card switching to get 0% balance transfers and I borrowed money to pay off other debts and it's all a bit complicated. How much detail…
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Debt Sold On and Raking up the past
Hi experts, I got a letter from a debt collection agency saying they had bought my debt from a utility company I owed money to prior to bankruptcy, and they wanted it repaid, and I should phone them immediately. I phoned them and said that was six years ago, and this came under the bankruptcy six years ago, which was…
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Receiving a new car
Sorry to keep popping on here and asking questions. My dad is going to be buying me a bigger car in the summer and I wondered how this would work - can I be the registered owner and main driver? Would I have to inform the OR of an increase in assets? I've got my letter saying my car is exempt.
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Think i have been blacklisted
Well just as I finished the forms for my OH, all barr the reason for BR and the further notes section, all has gone scarily quiet Not a thing, no threats whatsoever for over a month Was it something i said:o In fact, if you dont count the last one from moorcroft, threatening legal action for an account they have already…
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Advice needed
Hi all Got my court date for 12th July. Today I received a claim form from County Court for a loan I've offered a token payment on. I have 14 days to respond, the choices are to try and arrange repayment or to defend the claim. If I defend it gives me 28 days however do I have to have genuine grounds to defend, I dont…
