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Changing Banks
I was made bankrupt on 21 September 2010 via LILA I have an account with RBS should I inform them and will they automatically freeze my account or should I just open an account with the CO OP.
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Br and paperwork
Hi everyone! Just a quikkie,hubby is going BR,we know the OR will want to see records of his job,income etc. Will he want to see my wage slips as well,I have only been in this job 8 mths,and was uunemployed before then,is there any thing else of mine he will want to see? I am not against him seeing any of it,my problem is…
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OR interview yesterday please help
hi had my OR interview yesterday it was ok he was reasonable... but he took an interest in my life ins no cash in value but has offered me to buy interest back what happens does this mean no matter what happens if i buy this back they wont take an interest in the money if i die?? just want to make sure to protect my loved…
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Help ipa
had my meeting with the O R on monday and today have received a letter saying that an ipa has been prepaired for me to sign and return for 103 per month there is nothing to tell me how they have arrived at this figure as on my soa i only had a surplus of 40,i work part time and really cant afford this amount could they…
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Why don't i feel relieved????
I went bankrupt yesterday but feel rubbish still :o ( had a call from the OR office today & they have told me they may take my car off me, its 10 yrs old & only worth 500!!!! I feel churned up, sick & migraine since coming out of court, i thought i'd feel great but still really stressed & scared about it all Not many ppl…
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Will we lose our home?
Hello, Firstly, as someone on here put it, I too would like to admit that I have drifted in and out of this site for a while and have only now finally plucked up the courage to post on the forum! I hope I’m doing it right… Basically, I have run my own Limited Company for the past four years and for one reason or another…
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Income & Expenditure form
Just one last question about form 6.28. Do I also have to include the debts that I am currently struggling with too? That is the minimum monthly payments requested by my creditors even though I have stopped paying them due to this BR application? Nearly forgot to mention them!
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Early Discharge and Question!
I went Bankrupt 10/12/2009 and received a letter today from my OR to say I was granted ED 16/09/2010. I would like to say a big thank you to all that help with any questions and queries. I believe without your help and advice I'll still be fighting the creditors now! So a massive cheers and one more question. I am looking…
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Discharged!
i went br on 11th March 2010 and received a letter from OR today to say i was discharged on 15th September 2010 :D was very surprised! i'm just wondering when will be the best time to start cleaning up my credit files through the various agencies? just like to thank everyone again who has posted and helped before, during…
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Statement Of Affairs Questions - Outgoings
Hi, I am intending on submitting my BR petition next week and was just hoping someone could run their eye over my incomings and outgoings on my SOA. I am a self employed sole trader and after essential expenses of running my business, I will net £1492pm after tax and NI. My partner who has no credit problems and nets…
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What would you do?
Hi all - first time poster so go easy! My boyfriend has been in an IVA for around 7-months and is now considering bankruptcy. I would dearly love to get some advice from you guys so I can try to help him. His IVA has been running very smoothly and has met all payments to date. He pays around £800 per month which he is…
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going back to work after bankruptcy
Hi I Had to declare myself bankrupt in March this year I was self employed and unfortunately the buisness partnership broke down and we hadno choice to close the buisness and declare our selves bankrupt. I have been on maternity leave since and am just returning to work self employed do I need to inform the OR?
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Questions re bankcruptcy
I'm currently 6 months into an IVA and struggling with it. To cut a long story short - I'm currently weighing up whether I would have been better off going down the bancrupty route instead of rushing into the IVA. With this in mind I've got a couple of quick questions that I'm hoping you can help with: As I take home…
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how will BR effect my partner?
I am in scotland, about to fill in the paperwork for LILA. I have another post on here with my circs, long story short, my partner owns our house(not outright), car etc. However I am a named driver on the insurance for the car, will BR effect it? Also will my BR effect my partner in anyway?, the home insurance? Anything I…
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New Husband - Old Bankruptcy
Hi everyone..... I went bankrupt in Sept last year and got an early discharge in April of this year. Also in the meantime my house that I shared with my Ex-husband was repossessed and they are obviosuly chasing him for any shortfall (it has jsut sold but Im not sure for how much). My questions are: * I got married last…
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IVA advice
Hi, I have just completed my first year of IVA and have found this last year to be very difficult, My IVA company were so good to me when i first started but now just throw the rule book at me. Cost of living has gone up, my son has started senior school, I just cant seem to save any money for those emergancies, I am…
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what do i put down as salary ?
hi there i am planning on going bankrupt soon and i have just started a new job so not even had my first pay slip. the problem im going to have is that salary is very complicated in my new job. you get a set contracted salary but ontop of that you get extras as sometimes a day can over run by an hour and also another bonus…
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had my or phone interview...
What happens now? They're sending me a letter and I have to send them bank and credit card statements - how many do they want? Hope its not too many as some are paperless and some have been shredded! Thought I'd feel 'better' now but I don't. I feel horrible. Worthless and somewhat like a naughty child.
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going bankrupt
Hi All My brother in law is in debt and just cant catch up. he's thinking of becomming bankrupt. he split up with his ex years ago and purchased a flat which was way over priced. he then got a loan, credit cards, etc etc. so, he has a flat that we paid 130,00 for - which is worth about 99,000. Mortgage, 650 per moth (not…
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how long between handing keys back and declaring BR?
Hi, we are hopefully gonna go to court next week to do the big BR (finally getting funds together the weekend fingers crossed!). Now we've known for a while that we were gonna hand keys back for our mortgaged flat with NR so we moved into rented all A ok that side. I have been advised to send keys back to NR recorded…
