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BR 6 Months on ..
Well it's been 6 months and I did receive a letter from my OR stating that she is applying for early discharge for me which would be, if nobody objects, end of September. Since then, nothing. Is there a way of finding out if I've had an early discharge or do I have to contact my OR ? Hope somebody can help me with this…
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HELP needed, i need bank account but have no income
Hi everyone, I really hope someone has been in the same situation as me and can help me out. I need to open a bank account and i am struggling after going bankrupt on march 22nd 2010. Heres my situation......... I cant get a job where i have applied untill i have a bank account in my name! BUT.... I have been refused a…
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credit cards annd poor rating
good morning could anyone please tell me which are the likeliest credit card companies to accept me with a poor credit rating? many tia.
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Some help with SOA Please..
hi, after getting advice from CCCS my plan is now to go Bankrupt. I am at this second trying to do my SOA. Basically for 4 years now i have been in a debt management plan with Gregory Pennington (a company who charge monthly) paying quite a small amount in comparison to my debts. I lost my job 2 months ago so wanted to…
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Mortgage rescue scheme + BR = fraud???
Hi, I am 3 months in to a mortgage rescue application which is going extremely slowly:mad:, but thats a different issue! We are clients of our local CAB who are dealing with our debt and the advice is that BR is our only option , but to wait until the house situation is sorted. I had a brief conversation with CAB today who…
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HELP AND ADVICE NEEDED please
Hi please forgive me if this seems a silly post but i went BR 27th sept 2010 up until then i had been paying debts with some great difficulty .... i have now been recieving demand letters one particular one today said oh youre bankrupt then we will see you in 12 months when its finished and then we will persue the…
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ISAs/Savings when bankrupt
does anyone know if there are any restrictions on holding ISAs or savings accounts when you have been declared bankrupt? do any banks/ISA providers do credit checks and not accept this? ta,
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Renting when Dishcarged Bankrupt.
Hello i am looking for some advice. Both my partner and i who both still live with our parents are looking to rent a property. However i was discharged from bankruptcy in May this year, would this cause any problems. My partner has a clean credit history earns £18000 a year i earn £16000 a year both in full time…
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help with SOA
Hi how does this look, me and husband are petitioning own bankruptcy. We dont own a car but have one through husbands dad on mobility. The debts we have add up to around £100000, we were in an IVA paying £759 per month however we have struggled for so long and can not manage anymore. The other benefit is child benefit…
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still getting bills/letters requesting money
Hi I'm sorry if this has been asked before but i've searched the help stickys and looked thru a few pages and cant find anything....... My partner and I were made bankrupt beginning of 2009 and were both discharged 6 months later. Everything has been going great since, managed to sort out a current and savings account the…
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A new mortgage
Hi everyone I haven't been on for a while, after going BR last May (2009) and then getting early discharge in Feb (2010) every thing's been a bit of a blur just trying to make enough to live on etc etc. It's great to see so many names on here I recognise giving support and advice still, I can't tell you how much I valued…
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IPA Question
I am about to start an IPA of only £64 a month. After Christmas my SoA is going to change allot and may end up not being enough to pay the IPA. I know they will reduce it if my surplus does reduce but if they do this is the IPA still in place? I mean if its £0 and then a few months later I get discharge will that be the…
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Bankruptcy HELP...
Hello I am just after some help. I have recently spilt with my partner of 8 years after he decided to leave. I am living in our house (mortgaged) and currently pay the household bills, car insurance, council tax and half of our joint loan. He moved out (of his own free will) and is currently paying the mortgage and his…
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Sending keys back
Hi Guys, me again! I am going to send the keys to our house back to Northern Rock today and just wondered what I should write in the letter? I dont want to make myself liable for anything! and if you have seen my previous thread today (secured debt) I want the repossesion proceedings to hurry up so I can put this all…
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surrendering car on finance after discharged
for the main reason of loss of income i am in the process of sending back to the finance company my car as im no longer able to afford it,i have rang the official receiver who says the shortfall will be included in my now discharged bankruptcy,received this surrender letter today from the finance company just want to know…
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Secured Debt
Hi Guys Well we are 2 weeks into our bankruptcy so still sorting things out. I have today received a letter from a debt collection agency chasing payment for arrears on a secured debt with Firstplus. Now I understand that a secured debt is not covered by bankruptcy but we are sending the keys to our home back to the…
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IPA & responsibilities after discharged
Hi There, My husband and I declared ourselves bankrupt in July this year. I wasn't given an IPA as Im not working at the moment and looking after my children, but husband was assigned an IPA of £100 per month. I had some confusions. 1. if after being discharged from bankruptcy, I start working again, do I have to inform…
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Moving in with parent - Change of circumstance
Hi, I will very shortly be moving home with my parents (end of Oct) I ahve the forms to compelte for Moon beever and they have said i have until the 15 Nov to return it, I am now just a little bit worried that some of my expenses will not be allowed. Although I will be living at home I still intend to fully maintain my…
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court claim form, unsure what to do
my partner has recieved a claim form for one of the loans he has as we arent paying it due to planning bankruptcy. he has had no work for the last few weeks and yesterday we had appointment at benefit office but are waiting to hear what he will recieve so unsure how to fill out income part of form and its due back in a few…
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NS & I Premium Bonds!
I have just applied for sum but on finishing the application they email to say that you have to wait until they accept your application i am guessing this is to ensure that you live at the address but i wondered if they credit check you for them or not? Surely you can have premium bonds after you have been discharged? I…
