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SOA Forms
Hi All I have had a quick search but cant find the answer. I am currently in the middle of completing the forms with my partner to petition for bankruptcy. I have completed both of the petitions and made a start on the SOA. I have a couple of queries though: 1. I presume I put my debts on my SOA + joint debts and my…
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Buying back interest in life insurence advice please
i recieved a letter yesterday asking me what i want to do with regards to my life ins there is no cash in value just payable on death.... so i rang the OR office who said end it, buy it back or leave continue to pay and that will belong to the BRO... i asked what would happen if i buy it back and was told then it would be…
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Santander Post BR and statements etc
I have been receiving statements addressed to myself and my Ex-OH (old joint account, I am BR he is not) every six months or so since my BR and I always write back and tell them to bog off etc. However this time I have received a reply which doesn't make sense: "The Transaction Summary Statement received is in connection…
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Its Funny
Hi all, due to my dongle packing up,I have been unable to access the web,also catching up on you guys! All day I have been thinking,hows angiepange getting on,whats fermi doing,whats who threw that getting on. I have even thought to myself in, some situations at work,what would those guys do. What I am trying to say is I…
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Early Discharge! NOW WHAT?
Hi to you all GREAT NEWS had a letter from the OR this morning and have been granted early discharge! WOW WEE :T So first a BIG thanks to Philnicamy, Tigerfeet and others who gave me lots of invaluable info and advise! :beer: So now what do I have to do? Tech2
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Court Fines...
I am probably going to go bankrupt in the next month... i am currently paying a court fine back at the rate of £5 per week, just wondered is this included in the bankruptcy or is this still a mandatory payment after Br?
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trigger figures
anybody got any idea about the insolvency service allowances/ trigger figures for a single person living north east of england thanks in advance
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Bloody cheek
has anyone heard of buckananclark + wells, we got a letter from them today addressed to mr&mrs*******in bankruptcy. so everyone will now know about us now as i dont suppose the postman will keep quite about it. what i want to know is are they allowed to address a letter this way and even if they are why are they sending me…
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Debt Management Plan - HELP
I went to see the Citizens advice with regards my debt and now struggling to understand what they ment. He told me to cancel all my direct debits. Forget paying my credit cards for now and concentrate on the priority debts. Surely though i will be incurring costs by not pating my credit cards as i have recieved a letter…
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need advice
my dh wants to go bankrupt and has already opened his co-op account but this month his wages was paid into lloyds which he has a loan with, what i want to know is if he transfers his wages over today into the co-op account online can lloyds take it bk somehow? He is worroed about doing it.
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Share in Property
Hi I am considering bankruptcy as i cannot see any other way out of my situation. Problem is 5 years ago I bought 10% (worth about 17k)share in my mothers property, to release some equity for her... Will she be forced to sell her home. Really appreciate some advise
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Discharged
I was discharged from bankruptcy in june this year but hadn't heard anything from the company that was dealing with it. They have now contacted me stating there is equity in my house and to see if i can pay it. When you are discharged, when is everything finalised?
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what exactly does early discharge mean?
morning all, this is crumbling's dim question of the day:D i keep seeing posts regarding early discharge but apart from br not lasting the usual 12 months, i don't understand what the implications are:o could anyone enlighten me please?
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Bankruptcy & Logbook Loans
Morning all, I declared bankruptcy at the end of September and at present most creditors are aware of the situation. I do however have a loan with Logbook Loans which is secured against my car. The car has been off the road since May as the cambelt has gone and LBL were made aware of this fact and that I could not afford…
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not getting anywhere what to do?
Hi guys, I really hope someone can help. We spoke to cccs at start of the year in regards to our finances etc and was advised bankruptcy was best option due to me being pregnant and our outgoings. So we have been saving since approx march for the fees etc. We dont have that much spare each month to contribute to this but…
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Buying back BI in house
Morning, Probably a daft question but.....both me and DH went bankrupt and are now hoping to buy back the BI in our house. Do we both have to pay £211 or is it just one payment of £211 to the OR? Thanks, Jedi x
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5yrs since bankrupcy, still cant get any credit or a rental house HELP!
HELP PLEASE!! IM DESPERATE! ITS 5yrs 1mth SINCE I DID MY BANKRUPCY, MY CREDIT RATING IS AVERAGE NOW BUT I STILL CANT GET ANY CREDIT, OR ANYTHING OTHER THAN A BASIC BANK ACCOUNT. EVEN THE CAPITAL ONE CREDIT CARD WONT HAVE ME. IM NOW A SINGLE MUM OF 6 AND NEED SOMEWHERE TO LIVE AS MY COUNCIL HOUSE IS NEIGHBOURED BY DRUG…
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help please
Im not sure where to put this, but im really worried about Nohope. He has posted twice and he isnt well and i dont know what to do. Does anyone have any contact details for him? lilibet x
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allowances in bankruptcy
hi has anyone got a rough list of the allowances pre bankruptcy that can be worked with to put your soa together food gas elec etc etc etc
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Another potential mortgage rescue failure.........
A brief summary of situation. Lost job in May (after being on maternity leave), and immediately our huge debt became completely unmanageable. Went straight to CAB who have been fab, now paying all creditors £1 per month and have a good 6 months breathing space.........have not had any phone calls for a month!!!! We have…
