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Noob hi
Hi all thought i wouldnt be in this situation again but yet again i am struggling with debt , now my question is what is my best option DRO, B/R , or IVA i have a report :- Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in…
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What happens after 3 years of ipa
I have today finished my IPA after 3 years :beer:. Now my questions are; 1. Can they still chase for any overpayments I had received(which I have not). 2. Am I now completely free from OR and any agencies dealing with BR. 3. If my wife goes BR , am I eligible to buy BI on my property.(She had bought BI before) . The…
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Prior Planning?
OK now ive decided to go down the LILA route, £18,629.87 of debts i was wondering what i need to do before hand. I'm waiting for my CAB appointment. Ok from reading threads i know i need to open a basic account at the Co-op. Ive changed my home phone number with EGG to my mobile to avoid lots of calls. My nationwide…
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The Bankrupt Inn - Part 9
Morning. New Inn today. :beer: And breakfast. :D
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After Discharge ?
Mornin all. I was told by the OR when I had my interview with them back in April after being declared BR, that I could live without sky tv for a year and no internet as it wasnt essential, was just wondering if after Im disscharged am I able to claim for sky and the internet and have my IPA reduced to pay for them. Thanks…
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Automatic Discharge
Hi Everyone, I used to be a regular here but forgot my old log in details, d'oh!! My automatic discharge date came up 6th October but as luck would have it, the Insolvency Register is down and I can't double check. What do I do now? Do I receive a letter? Do I work on cleaning my credit file? Please help!! Thanks in…
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Advice needed on Administration
Hi...what will happen to shares held in a company that has called in the Administrators ...cheers
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Getting mortgage after Bankruptcy
Hi all, I'm quite new to all this but I went bankrupt in Feb 2002, served my 3 years and have been all sorted since. My only problem is i'd now like to get a mortgage and i'm not sure what the best bank would be or how my bankruptcy might affect it. I'll have completed my 6 years post bankruptcy in Feb 2011 so was thinking…
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ccj help
Hi there i was made br on jan 31st 2006 so not long left now. Any way i have cleaned up all my credit files just waiting on natwest cc and its all done the one question i have is just before br on 5/12/05 i was given a ccj i have recently contacted howard cohen and co who gave this to me. Sent them br order and discharge…
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Tying up loose ends before BR
Well I realised a few months ago the inevitable is BR (with help from CCCS and other recommended advice helplines) I am only 25 and I owe £42k (scary, I know) I live with my partner in a flat he owns with his brother (his brother doesn't live here with us though) I pay half the mortgage as rent and half the bills (which…
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Want to start a business
Hi . I've been lurking for about a month. Great stuff guys! My story - I've been bankrupt now for almost two months. My house is definitely going to be repossesed and I'm not on any IPAs. At the moment I have a temporary job and worried that if I lose my job I will fall into arrears on my gas, electric etc - not worried…
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Debt Collector
Not sure if this is the correct part to post this so just let me know and i'll try and move to right one. I got a letter from a debt collector today however it is for a debt that has nothing to do with me. I phoned the company who accepted the bill was not for me just simply someone with the same name but completely…
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nasty letters galore today-what to do?
Never had so much post in one day! Strong letters from all creditors and all bar one I actually rang last week with0 my br number and or's details. What should I do? RIng them all again or recycle as pet bedding?
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Scotland, Lila, advice re car hp before i go bankrupt?
Hi, Wondering if anyone can give me a bit of advice. I am planning bankrupcy via the LILA route, due to a failed business and debts building up over the years. My question is. The only thing i have of value over £1000 is my car. Its on HP I still owe £2500 but the car is worth about £5000. Obviously if i go bankrupt the HP…
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Bankruptcy Charges
Me and my wife are wanting to go bankrupt asap. We dont have the spare cash to pay the fees and are considering doing a payment plan with a debt company. Is this a good idea or is it a rip off Stephen and Emma
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Pressure To Go Bankrupt
I`m self employed, and have been for almost ten years. A couple of years ago, the recession bit hard and since then it`s been a struggle. Add in to that a prolonged illness (that I`m still recovering from) and well, it`s still a struggle. But...I love my work, and I worked so hard, against a lot of odds, to set my business…
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Early discharge
I would have posted earlier had my connection not been down.My ED came through in the post. I just want to say THANKS for all the info.No man`s an island so this place has been imperative for not only the technical support but for the emotional lift attained by knowing there are other people up the creek also. I don`t want…
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tax return in bankruptcy
hi does anyone know if you still have to complete a tax return when bankrupt. i have until 31 october to complete my tax return but obviously no money to pay my accountant to do it. if it does have to be done would the or release some of my money to pay the accountant? by the way i was made bankrupt in august.
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Will any bank accept discharged BR?
Hi everyone, me and hubby have been with the co-op since becoming br (discharged 11th May 10). Could you please tell me if there is an alternative for post BR? Dont get me wrong I am ok with the co-op but now we are getting our credit files sorted etc i would like to have the option of a mainstream bank account (no…
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Another famous Bankrupt
Hi all, just read that Toni Braxton (the one singing in the shower,but still seems to keep her make-up from running) is going bankrupt for £5 million........any feelings of guilt i had about going BR have strangely dissapeared :D Still waiting for me papers!
