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going bankrupt with mental health problems
thinking of going bankrupt. over the last 18 months i ve ran up a lot of debt .i have lost job 2 job.s over the last 2 years my wife is not going bankrupt do i put her income ie ctc cb and bills on the soa or just mine .will she keep her own bank account that have note to do with me thank.s for looking seeya
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mortgage application
My parents have substantial credit problems ccj's etc, will this affect my ability to get a mortgage? ( I have always lived at the same address as my parents)
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Struggling .
Hi All I have a mortgage and two secured loans .. negative equity and to make matters worse the mortgage provider and loan companies are no longer lending. I am struggling financially .. hold up my hands to being stupid but I am trying to hang onto my house ... and losing my grip. I have been to the CAB and CCCS to deal…
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paying the accountant
hi guys, if i paid my accountant from my tax return will the OR ask for it back from her. i feel guilty about not paying her, she has been very kind but dont want to fall foul of the OR.
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IPA and change of circumstances
Have got an IPA which I've started paying this month it's just under £500 a month (pus tax) as am living with parents, so the OR wouldn't allow some of the expenses I had put down on the income and expenditure form. Anyways next month I am getting married and am planning on moving out of my parents in with my wife. Anyways…
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Bankruptcy forms
Hi Im new to this so any advice would be greatley appreciated. Myself and husband are struggling with an IVA and are about to petition our bankruptcy, our IVA hasnt been failed yet but we have missed more than 3 payments and hav obtained an overdraft of £3500 to make ends meet. Our IVA company have no objection to us doing…
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SOA help?
hmm i was trying to paste SOA form i tried to fill in but it came out a mess, how do i delete this new thread and try another lol... or i could ask a question. My partner and myself are going BR but seperately. So when filling in an SOA do i put details for us both or just for me, ie my half of the rent etc and my debts…
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Just a quick one about NT codes
Hello, Just a quick questions, and possibly a stupid one too, I have been put on my NT tax code, which should take effect this month, I know I will pay this until the end of the tax year, but after this date if I have no other IPA in place and it is just the tax then am I right in thinking after this date I do not need to…
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Which court
Am i being thick? How do i go about phoning the court and getting forms sent to me (since they don't do the online forms anymore and i don't have a printer at the moment) and making an appt? I don't even know which court it would be, i have never been to any court and have no experience in which courts deal with which…
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Federal Management
Anyone else heard of these clowns? I am in dispute over a business contract that I am trying to complete but now the client says she is unhappy with the service she got and wants her money back (I am a photographer BTW). She has now got daddy's bully boys (AKA Federal Management) to threaten me with bankruptcy unless I pay…
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ARRRGGGHHH!!! I hate BT
:mad: BT are a shower of ****!! Not only have they not written off the monies that we had outstanding at our Bankruptcy, they have now threatened to cut us of just because we are Bankrupt!!! Our account is up to date, all we owe them for is the next three months (Oct - Jan) but on top of all this they are charging me…
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Just had house valued
and she has put it at 185-195k. Does anyone know whether the OR takes the higher or lower figure or do they go in the middle? Thank you Jedi x
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Can anyone give me some advice
Hi all, I first posted lasy year about going bankcrupt.But in the end decided against it after taking advice from citizen advice etc,And agreed a managed loan with hsbc.Which resulted in reducing my outgoing form them from 400 to 180 a month. Since then I have moved in with my gf, and expecting my first child in feb. I…
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Help and advice needed please.
Hi, To jump right in...I was served a Statutory Demand yesterday by RSM Tenon acting for the RBS, for a business loan debt of £127,515.06. This is not just my debt, this is my husbands debt as well, but RSM Tenon have taken no notice of that fact. There is NO way we can afford to pay anything back, we are literally just…
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Rtlu
Hi I received a letter from the OR stating that they had completed inquiries and were passing my case to RTLU - what does this mean? HELP
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proud of myself!
2 weeks since br and i've just about managed food, petrol and the mundane stuff on the budget i hoped to stick to. its only a small step i know and not that big an achievement but i actually feel quite proud of myself in an odd way:o
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Help after BR
Hi all, last time i came on here was last year looking for advice as i was thinking of going BR, well i went BR in December and a couple of weeks ago i got my letter saying i had been discharged early, all good so far, what i would like to know is are there still restrictions in place for me even though i have been…
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Proof of delivery when reporting a creditor to the information commissioner
I need to report MBNA as they haven't responded to my letter about changing the default on my file to satisfied. The only proof of delivery I have though is this It isn't showing a copy of the signature or anything like I thought it was supposed to. How can I use this as proof that the letter was delivered?
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Soa
Could someone give me a link to an SOA please so i can forward it to a friend Many thanks
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Default notice removal on compassionate grounds
Hi, The reason for my post is I was wondering what my chances are of having default notices removed on compassionate grounds? I have written both companies a letter (enclosing a copy of my credit file and a letter from our Landlord confirming we are good payers) requesting that the notices be removed as I am now totally…
