-
Moving home post BR
Hi everyone We are looking to move home post BR, and are looking to move into a rented property that is cheaper than where we are at present, but I am concerned as we seem to be coming up against a number of obstacles: 1) The whole credit check scenario. I guess as we are both BR we will fail a credit check, but I…
-
Oh well!
Hi all, Just come back from the court regarding a charge on our property. Needless to say it has been granted (or what ever the expression is). As long as we keep up the,minimum, repayment nothing else will be done. Feel kind of relieved,at least we are still paying off our debt,but hopefully,wont get any more nasty…
-
bankrutcy worries
hi there ive recently been made redundant, and have been advised by one of the debt charities that bankruptcy could be an option, my question is , if i do petition my own bankrutcy and then finally find another job, will i have to start paying the debt back and how much will i have to pay.. ie. will it depend on how much i…
-
joint partnership bankruptcy.
My OH and I had a joint business that failed in Dec 08, it was a pub and when we realised that there was no way we could keep going we spoke to the brewery rep for our area and he advised us to cease trading, hand the keys back and the brewery would instigate bankruptcy proceedings against us. Not what we envisaged when we…
-
If he goes bankrupt
Hey all, I am worried sick at the mo as I have a mortage with my soon to be ex husband. It has been put in writing now from his solicitor that he is no longer contributing financially towards the mortgage. After him getting us into arrears on the mortgage I have built up a good relationship up with the bank and have now…
-
BR + mobile contract
Hi All Just thought I'd share a little bit of good news with people. Mate went bankrupt in January 2010 after his business collapsed, discharged in August. Hes been on PAYG with his phone but popped into T Mobile in Liverpool on Friday to see what they could offer. He didnt hold out much hope and explained his…
-
should i look for work
Hi sounds a odd question. But i am just recovering from an illness. But i am currently looking to go BR or dro. I am keen to get back to work for my sanity and pocket, but as i am starting to make token payments i dont want all my money to go to the debtors. it does sound wired to ask should i work.
-
Good News and Not so Good News!
Hi everyone. I just wanted to check in and let you all know that OH has received Early Discharge as of 25th September. BR date was 24th March so that's only 6 months, which is fabulous. However, ever since he received the letter from the OR advising that she was going to start the early discharge process, he started…
-
Bloody Santander
Morning I was BR in Jan 08 , Discharged in Aug 08. The only one of my previous debts who ever conatct me is Santander who insist on sending me Quartley statements of the amount I "owe" they dont do anything else about it just these statements. Is there anything I can do to get them to stop? They say (no doubt wrongly) that…
-
Handing the keys back!
Hello All, Some more help requested please. Having split from the wife who is still in the house I am paying half of everything for and moved into the familiy home, I am finding it a real struggle now. The problem is the mortage, believe stuck with about 20k worth of negative equity and loans, credit card, overdraft on top…
-
car bought back but santander still have an interest?
hi all before my OH went BR he had purchased his car with a 'loan' from santander. it was a bit unclear from paperwork whether infact it was a personal loan or finance agreement and obviously we needed to get this confirmed before be paid across the money to 'buy back' the car from the trustee. the trustee made their…
-
Council tax, attachment of earnings?
AS some of you know my husband and I went BR on 31st March. We had a few problems paying our council tax since, bank messed direct debit up since getting new account etc...anyhow we now have an attacment of earnings on husbands wages for £246 permonth which is £100 more than our offer of payment Can they do this is we are…
-
going bankrupt scotland
well its arrived recieved a SMALL CLAIM SUMMONS from court it came on satuarday for debt of £482 benifit overpayment from council . what do i do now as i am waiting for a charge for payment do i ignore letter and wait for charge then 14 days later i can go br. do i have to cancell direct debits from bank im with coop no…
-
Advice on way out please.
Trying to help a friend who is in a bigger mess than I thought. I did direct him here without success. If anyone has any advice I'd be really grateful. As its a friend there is a limit to how much info he has given me. Situation is that the wife has had to give up work suffering with depression/ suicide attempts. Is not…
-
When will my bankruptcy disappear from credit file?
Hi, I was declared bankrupt in Mar 09 and discharged Mar 10. I know that there is little chance of getting credit until it comes off my credit file, which I understand is 6 years. Is this 6 years from the date of bankruptcy or from the date of discharge? Also, I have noticed people mentioning going through their credit…
-
Sister's Credit Card
I declared myself Br in May of this year Everything has gone fairly smoothly so far.... No sign of trouble ie BRU or an IPA I know they have until I am discharged to impose these. Anyway I know you will all think she is bonkers but my sister has offered to let me be an additional cardholder on her MC credit card mainly…
-
Debt not listed in bankruptcy??
Hi all, I wondered if anybody can advise me please? I was declared bankrupt 6 years ago and discharged after a year. It turns out I forgot to list a debt and that debt has been sold to go-debt, they have started chasing me for it and are threatening court and bailiff action and threatening me with bankruptcy. I have got…
-
Br & ex has name on the mort
i've just found out my ex has gone bankrupt and its all gone thru the court. the thing is, his name is on the mortgage he has with me. so i'm wondering how come i've only found out about this thru a solicitor who's doing a transfer of equity on the house for me. i'd have thought whoever made the ex bankrupt would've tried…
-
IPA Letter ????
Hi guys Can anyone help me please. Today my Husband received a letter stating from the 1 November the ORs office want a IPA payment of £97, and that he has 14 days to sign the letter and return it this will take it right up to the wire of 1 Nov I am sure! I did not get any letter (usually as we both went BR on the same day…
-
Letter from OR RTLU
Hi guys, have had notification from OR that case is now passed to RTLU - does anyone know what this means, am wanting to buy the BI in property, is this what this is in regards to or is this something else, any help would as always be greatly appreciated. Many thanks
