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My fiance has money
Hello all. Thanks to everyone who contributes to the site. It certainly helps in one of the lowest points of all. Hopefully someone can help me out. I am preparing to declare bankruptcy, I have hundreds of thousands worth of property debt that has now become unmanageable and I do not see any other alternatives. I would…
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Change of living circumstances after BR?
Hi, I went bankrupt back in April, and since that time, things have been going well with no problems at all. Around the same time, I had started a new relationship and we have been talking about moving in together. Now my girlfriend currently has a mortgage and a three year old son. I am currently living on my own in a…
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Help - Missed payment on Scottish Trust Deed
Ok, let me start, my finances are a total mess! Around 10 months ago, my mrs went for a routine day op, that lasted a couple of weeks, and was off work for months afterwards, and by the time she was back on her feet, she no longer had a job to go back to. Since then we have just scraped by on my income, but since then I…
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contents insurance
I need to find a new insurance for contents. Br Aug this year, will be looking at comparison websites etc but would be interested in any one else whos br experiences. Need to pay monthly if poss and live in rented accomadation. Thanks
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Bankrupt Advice
Ive got myslef in a financial nightmare and have been limping along for the last few years, but now im facing a 10k pay cut at work due to changes in our out of hours working that will leave me unable to make my commitments. I have around 55k of debt including a secured loan with about 22k outstanding, a personal loan with…
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being made bankrupt need help
:mad: Can some 1 help me about 6 weeks ago i had a lady come to my work and say she was looking for me after i identified who i was she handed me a letter that said i owed lombard north £39,500 as this debt was from 2003 when i was self employed and had my own business i didnt take alot of notice but today this lady has…
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Go Bankrupt
In short, I've been with a DM firm for a year paying them £110.00 per month. Last month they suggested that an IVA may be appropriate and put me in contact with an Insolvency Firm who are an offshoot of their firm. They started preparation for the IVA but last week I found out that there were other creditors I didn't know…
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getting early discharge need help with SOA
hi everyone im new on here and i am after a bit of help i was made officially bankrupt on 7th may with £15200 worth of debt ( a bank loan taken out over 2 years ago) and had been unemployed 8 months before i became bankrupt and was still unemployed after my bankruptcy and at the end of september i have finally got a part…
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some advice please
hi my ex partner wants to go bankrupt he has about £60k worth of debt, my questions are a, will the debts come off his half of the profit which will be about £50k as house would sell for £250k mortage of £100k so 50k each. b, is there anything i can do to keep the house, but i am a single parent with 4 children 2 of those…
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Got my Date 5th Nov what next
Greetings everyone.. I have just got my date to pay the court and take my papers.. But what i dont know is what happens during this time and what happens next any advice would be great :)
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Underpaid Tax Can anyone help?
Got a letter this morning from HMRC advising me that I had infact underpaid tax in the years 08/09 and 09/10 which amounted to £1662 They have said they would collect this in tax year 11/12 I was made BR in August of this year Anyone know if I can retrospectively include this underpayment in my BR as the debt was incurred…
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Northern Rock Repo
Hiya, we sent our keys back to NR 2 weeks ago advising them were doing vol repo. I typed a letter and put our names at the bottom but didn't sign it as was advised not to. We have now received a letter from NR saying they have received our keys but cannot take possession of property as our letter was not signed. They want…
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Advice please re; WESTCOT
hi all just received letter from that lovely company WESTCOT acting on behalf of santander i am currently £858 in arrears with them and they are threatening action as follows "if further recovery action is taken this may well result in legal proceedings being taken against you, which if successful, could result in: -…
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My SOA help!
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1070 Partners monthly income after tax....... 0…
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couple of questions about br..
hi, i am planning to go bankrupt very soon.. have the forms pretty much filled out just waiting till i have the fee's. i was just wondering whether to add my Orange mobile contract to it? i am not behind with payments (£35 a month, 11 months left to run) but should i just stop paying and go to a pay as you go sim now?…
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Income Payment Agreement
Hi guys, this is my first ever post on here, so hello! Just wondered if anyone might be able to help on this. I was declared Bankrupt in June 2009, and I started a 3 year Income Payment Agreement from September 2009 to last for 3 years. Now I was discharged from Bankruptcy in January 2010. I still carry on paying the IPA…
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My Prayers Are Answered
This is my first post and need some help. I am a faithful worshipper at my local church as well as performing some church duties during the week. In addition I have the need to visit my temple to pray and worship once each month. This amounts to £80.00 per month in fuel costs (My Temple Visit uses £30.00 of Fuel). I would…
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ED Letter for me but not husband as yet?
Whoopie! ED letter this AM, DC 19th Oct! Still showing up as BR on insolvency website though. My husband went BR as the same time as me and we have been dealt with pretty much as one case(things sent for both of us in one envelope from the OR etc..) As my husbands letter didn't arrive this AM we phoned RTLU who said that…
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OMG we did it
feeling very numb and worried, filed in court this morning, now waiting for the or to ring, what kind of questions have people had, what can we expect..... worried :(
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Early discharge letter..
Hi guys, I have been absent from the boards since my BR in July and I received my early discharge letter last week, I havent even been BR for 4 months yet..... Filled in the updated SOA as my figures are still the same as they were in July, so fingers crossed I will hear soon :) Sarah x
