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poss going bankrupt little advie
hi me and my partner owe just short of 50k we live in a council house and have 6 children,wondering at the minute we are on a dmp plan and paying just short of 800 a month still early days but findind it quite hard to adjust to a tight budget,if we went bankrupt what happens exacly do baliffs take all the furniture and…
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BI in the house
Hiya, Getting our house valued tomorrow :( and am so nervous. Have spent all day cleaning even though want it to be valued low - am driving myself round the bend (not to mention the rest of the family :o ). Anyway, we have had the redemption statement thru from our mortgage provider and this includes approx £10k in early…
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Just about to send off my BR form
Hi After taking advice from national debtline and CAB im going to send my bankrupcy form to the A.I.B I have already rented a new place which I will move into at the end if the month. Just looking for some advice on the following Do i tell my mortgage company about me going BR or will I leave that to the O.R? Do I tell the…
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BI - my offer turned down, help please.
Hello All, Been quiet for a while, keeping my head down and staying out of trouble, until today that is! I'm hoping to get some more advice for my situation. I made an offer on my BI which the OR has turned down. They have written to me saying the minimum they are willing to accept is £800 less than their calculated BI…
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When to start proceedings?
Hi, My wife and her ex partner have a mortgage shortfall of £22k + expenses. Our circumstances are a little strange including the ex having no money and a terminal illness and are detailed in a previous thread: https://forums.moneysavingexpert.com/discussion/comment/36205165#Comment_36205165 We have tried bargaining with…
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Bankrupt Account Query, help!
Good Afternoon, I have a rather odd and confusing dilemma and I really don't know where to start with it. Ok in April 2006 I went bankrupt. I had an incredibly overdrawn (I think about £3000) account with HSBC, and before going bankrupt I opened a basic account with the Woolwich, who later became Barclays. I have worked…
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Quick Quid
After a bit of advice please folks, not sure if here is the right place. My sister is really testing my mum's limits of unconditional love at present, so I thought I'd try and find something out to ease her mind a bit, sorry if it's a long post. Does Quick Quid operate the same as any other unsecured lender? only it seems…
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car on finance after bankruptcy
hi was declared and discharged from bankruptcy august this year,i have a car on finance from which the loan was taken out before my bankruptcy date,question is my mother has said she will buy me a car so i can get rid of the hp its about £200 pounds a month which as my income has gone down recently im struggling to…
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Before or After??
Sorry a bit confused here! Do i open a co-op cashfinder account before or after i go bankrupt??? I do have a Nationwide flex acc in the black but dont want to continue to use it incase that will be closed. Been reading so many of the posts and they do help, I don't feel so alone now. Thanks.
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Statement of Affairs
Could someone please advise re a query about filling in section 4 of the above. Where a creditor has passed on dealing with an account to a debt collection agency, is it the name/address details of the original creditor that needs to be entered or those of the debt collection firm? Thanks.
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Should we or shouldn't we?
Hi all, My wife and I are in debt and all though we haven't missed payments yet, it won't be long before we do. We owe approx £43,800 between us. I had contacted a debt company a few weeks ago and they advised IVA, they worked through our budget and advised us to start an IVA and pay £700 a month. This amount is approx…
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Credit clean up - credit report quering
Hi - a very quick query... Is it true that every time you apply for the £2 report, it is recorded in the report (and made available to potential lenders, etc.)? Many thanks
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List of banks who ask "have you EVER been bankrupt"
Could we compile a list of which banks ask the dreaded "have you EVER been bankrupt" question in their online application process for current accounts? I can contribute 2 who do:- Natwest Santander (interested if anyone knows about Lloyds or First Direct). Thanks
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Bank account frozen?
Hello Im not sure if this is the correct place for this thread so forgive me if it is. Anyway I have funds, and i have just been paid from work in my HSBC account. However i cannot log on to online banking, i get an error reference number and a number to phone. I phoned that number and they said could be a problem with…
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insurance
can anyone tell me if i am meant to contact our insurance companies [house car pet and life] that we are br or do you just tell them on renewal,if we dont tell them and we submit a claim could they discard it because we had not disclosed br. sorry i always seem to be asking questions on this forum just want to make sure i…
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child benefit on the bankruptcy forms
I wonder if anyone can help. What is the best way to “account” for Child Benefit on the Bankruptcy forms. Do you include it as income and then indicate it as child costs. And if you do will you still be allowed to account for other child costs like school meals and clothing etc. thanks for your help.
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E-on
Hi, We have been in a dispute with e-on about our,very high,bills. They have been very unhelpfull, Suprise Suprise!! in a nut shell we have now had payment meters installed,both gas and leccie. This is to pay off the existing balance plus our day to day usage,in total it will add up to approx £55 per week,this will finish…
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Need Help
Hi This is my first time on the boards. I am meeting with an IP in the morning as I will have to be declared banrupt. My business with the sister has gone bust owing £180,000. My husband is livid and my home life is suffering. We own our home (he has managed to pay off the mortage himself in the last couple of years) house…
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Does bankruptcy conditions last for three years?
I have to pay an amount for the next three years following my bankruptcy, just been reading some forum posts and it looks like bankruptcy conditions last for the three years, is that right? Do you still get dishcharged after a year, but have the same conditions for the next two with regard to changes in income etc Confused
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Due to get married
Hi, my partner has a squeaky clean credit file, she has her own house (mortgage). I was made bankrupt early 2009 (now been released for over a year). I recently moved in with my partner and we are due to get married this year. We are still planning on having separate bank accounts, the mortgage would still be in her name.…
