-
Applying for court fee remission
When I applied for my bankruptcy, I was so stressed out with forms and figures that even though I knew my income was too low to have to pay the court fees, I paid them anyway. Now I can see a bit clearer, I realise that the £150 I paid is a lot of money to me and I am applying for a refund, which the forms say I can do up…
-
SOA - Assets
Hello all I am in the process of going BR and am reading through the forms to fill in (which i will be doing with the CAB this week) but one section has got me worried In the 'Asset' section is an area where you should fill in items that are to be left to you in a will ('Any property or sums due to you under a will or…
-
Business Bank Accounts whilst Undischarged BR
I was declared BR on 11Feb this year. I would like to open a business bank account as I'm now trading as a freelance webdesigner and it's more professional to have clients pay money into an account with my trading name on it as opposed to my personal name I'm not looking for credit facilities. I'm just looking for a…
-
Lloyds TSB Classic account V Barclays Cash Card Account
Before I went BR I had a Lloyds TSB Classic account, over the years id had a loan which i repaid (long before BR) an over draft I never used ,a cheque book, and my account was always in credit - never over drawn etc - basically run very well. When I went BR, I stopped using the account, cut up the card and declared it the…
-
Tryin to get me head aroung things
Hi everyone,I have been reading up on purchasing beneficial interest,need to clarify a few things,here goes......... what part do my mortgage company play in it? we are on no fixed deal at the mo,on the svr,will we be able to apply for new deals,do we just carry on as normal once everything has happened(with our mortgage).…
-
Complicated Q regarding sale of a property
Hi, hope someone can shed light on this one, I will be as precise as I can... I am bankrupt as of October last year. I am not yet discharged. My wife is joint owner with me on two properties, one in UK in negative equity, not yet sold yet, the other in Spain and being sold. We have just received a letter from the…
-
Just had power2contact banging at my door
Anyone had contact with this lot? They are acting on behalf of lloyds. He was there for ages... whilst my kids were shouting at the tops of there voices MUM theres someone at the door. Windows all open so he knew I was in. What will he do next.. got a card through saying that i had to ring him by 7pm or else.. :eek:
-
Insolvency practitioners fees / charges
Hi, this is my first post here on what appears to be a very welcoming and informative forum. I am currently £28k in debt and bankruptcy seems to be my only real solution. I really haven't a clue the best way to go around things, I phoned the 'insolvency specialists' the other day and they have sent a load of forms for me…
-
The calls have started !!
LOL had to smile , had my first call today from Droyds they have received one of the token payment letters and wanted to know when and how long i plan to make a minimum payments, !! i did panic i must admit, was dreading the calls starting !! and im sure there will be more who wont be as nice but there you go
-
Here's a new one from Tesco's!!!!
:mad::mad: It appears the reason my card isn't being accepted is my browser! Yes folks I need to try changing my browser to something like firefox and that will make all the difference to wether I can get my grocery shopping on-line or not! They have no knowledge of anyone having a £2 test buy -" this couldn't work as you…
-
Ipa
Hi all Just wondering what will happen after the budget today. I currently dont pay an IPA. However if the tax threshold increases therefore my net income increase slightly...will this mean I am reassessed and so will have to pay one? thanks
-
Insolvency Practitioner Question!!??
Hi Folks I wonder if anyone could Help. I work for myself and have to go bankrupt due to accumulated personal debts. My accountant has suggested that I use an insolvency practitioner to help me file for bankruptcy. The insolvency practitioner wants £1500 which includes the court fees. Is this a good route to go down or…
-
Bankruptcy Fees
My husband and I have our Bankruptcy hearing on Monday 28th. Hubby's stress levels are though the roof. Its like living with a time bomb. I am supposed to be the level headed one :( Any how we are exempt from paying the £150 each. But between now and Monday we have got to find £900. How the hell (excuse my french) for the…
-
avoiding bankruptcy
hi, my boyfriend contacted cccs about debts, they advised him to a dmp, which he did, sent back paperwork, after a time he still had cc companies chasing him and debt collectors knocking the door, anyway the dmp was put to his companies and 2 of them refused it, now he is in arrears and they are forcing bankruptcy, he…
-
Bankruptcy and Study
Hi All I have a bit of a dilemma at the moment. I am three months into Bankruptcy and have given up looking for a job because I am suffering from depression. The main reason for my depression is the thought of working in the kind of environment I did in the past which is in Finance as a Credit Controller. I have been…
-
this time tomorrow
I will have arrived at the court in time for my 10.00 hearing, I'm feeling really ill! I know that everyone says that tomorrow is the easy bit but am still :eek: about it. oh is worried that they will turn round and say that we cant be made br as we should be able to afford our debts (we cant at all, but he is still…
-
Bankruptcy - advice needed!
Morning all, after advice from CCCS it seems bankruptcy is my only option and I'm willing to put up with a tough year to stop all this stress! My question is: Would it make any difference if I volunteered bankruptcy or if my creditors and their evil henchmen made me bankrupt??? Apart from saving me £510, would it be any…
-
Trust Deed & Tax Refund, annoyed and depressed
HI everyone, After 3 months of waiting to hear about my tax refund (which should be about £1k after being stuck on an emergency code for a few months) i've found out from the tax office that the company handling my Trust Deed are in talks with them regarding this. I didn't realise that they had such powers, however surely…
-
So fed up
Hi y'all Not really bankruptcy related but Im so fed up. My housing benefit has been reduced by £21.93 per WEEK, was living on a knife edge as it was, so don't know how Im going to cope. Local Authority's excuse is Housing prices have gone down so consequently rents have gone down (dunno what world these people live in?)…
-
Early Discharge
for me! I'm over the moon. 1 day short of 10 months and in that time I negotiated the BI on my house, got to keep my car, I'm in an IPA but that's ok. So that's me done! Clean up time now Thanks for all the support and answers :p
