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Harrasment After Bankruptcy Important
Hi all, Just wanted to post this to help anyone else who has or is thinking of going bankrupt. Just wanted to start by saying that I did know myself that all debts are wiped regardless of what any creditor or creditors agents or solicitors say after bankruptcy. but as I am not an expert in law people claiming to be…
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Change to Insolvency Service IT
[FONT="]The Insolvency Service is committed to providing the best service to its customers. We have been developing a comprehensive IT led change programme (which we call “Enabling the Future”), and [/FONT][FONT="]as part of this programme, we are pleased to announce the replacement and modernisation of our…
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7 days to go till br finished
well nearly 12 month completed, i week to go. and i cant say i have noticed any difference except i have money in bank again, all bills paid, co-op been very good and no prob with there card. no hassele what so ever with creditors. one thing that has changed is my attitude, i will never borrow money again, and i am really…
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Help!! Will OH's bankruptcy affect my house?
Posting on here in a panic. My OH is seriously considering bankruptcy - has the forms and has finally saved the fees. He had an IVA which he stopped paying. He is living with me in my house - it is in my sole name after being signed over to me by ex-husband, before I ever met OH. He has lived here nearly 2 years and pays…
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Pre-employment credit check - IT contractor - Financial Services
Hello all, I'm working in financial services as a permanent employee and I'm thinking about going contracting. Does anyone have (or can refer me to) any information regarding the vetting procedures for IT contractors, particularly in financial services. Thanks in advance, li0ness
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IPA and college
If I do decide to go Bankrupt I will be in a self employed for roughly the first 6 months of the Bankruptcy (assuming I will get discharge after 12 months). The remaining 6 months I will be attending college (1 year course) I assume I will have to enter into an IPA for the bankruptcy period, will the IPA amount change when…
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Lottery while Bankrupt
Hi. Just wondered can undischarged bankrupts play the lottery online with their debit card?
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Is Bankruptcy the answer for me??
Hi all Im new to all this so please be patient with me... What a mess I'm in, and i really don't have a clue where to start... For years I have been running up debts, and then running away from them by moving house etc.... I last moved 4 and a half years ago, into a house with my hubby and two children (aged 19 and 12) the…
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My Bankruptcy Story
Hello to you all. I thought I would tell you my story, if it make 1 person feel better it is worth the while. I left school at 16 and joined HM Forces, after 10 years service I left the Army and started an IT consultancy. In 1996 the business premises we shared with two other companies had a severe fire due to faulty…
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IPA being deal with jointly
We have in OR that we thought that ASU cover should have been included in the expenditure 12 months on they have decided this is ok, how ever instead of just reducing his by the £30 they have reduced both by £15 instead, I think that if they had reduced hubby's by the £30 it would have meant that he had a surplus of less…
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Trusts and BR
Hi there, Just wondering if anyone has any knowledge or experience of trusts in BR? I am the fortunate recipient of some inheritance which will be held in trust to protect it from my BR (according to the family solicitor). I am the sole beneficiary of the trust. When I mentioned this to my insolvency practitioner who…
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Discharged?
Hi all, My Oh and I went BR last November, and he was sent a letter discharging him about 2 months ago. he has an ipa, and I don't as i don't earn enough, yet I haven't heard from them at all. If it is one year, then i should be discharged on the 4th Nov, but I've forgotten the website where I can check. Is it usual for…
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Quick BR form creditor question
Just starting on the forms now. I've had a couple of debts passed on to debt collecting agencies. Do I put them down as the creditor or the original company I owe the money to?
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Crazy world isn't it?
Hi Everybody, I posted here before but don't have access to my old email address so can't get my password sorted. Anyhoooo. A while back, when I was especially stressed out by my situation, I popped on here with some questions about BR. Everyone was very supportive and helpful, which was nice. Of course, when we are so…
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Business Banking??
Hello all,, Does anyone know if there is a business bank account available out there like the equivalent of think banking?? i.e. one that doesn't run credit checks and won't mind that I am a discharged br... I'm not put off by monthly fees - just want to get my small business up and running.. I've checked with think and am…
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What Now?
Hi folks, Well its been just over a year since I went bankrupt (12th October 2009) and I've survived! Ended up with a 5 year BRU for my sins having given my side of the story and had it rejected. I've just checked the Insolvency Register and it still shows me as bankrupt - just wondering if that should have changed by now…
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Vol repro letter
Can you please give me your opinions on my letter. Its all ready to go I just wanted to know if I have put anything in it that is wrong. Dear Sirs, Further to your letter of 6 September 2010, we are writing to inform you that due to exceptional financial pressures have declared ourselves bankrupt and cannot afford the…
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SOA help please
Does this look acceptable? need to get this right b4 our dday on friday :( would really appreciate any help with this as me and oh, clearly under strain, are just arguing over it rrrrr Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars…
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Nil tax code, does everyone get this??
I am worried now about getting a nil tax code, do not really want this flagging me up in the work office, aah does everybody get this, or just in some cases??? help!
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Moon Beever tel number
Hi all Anyone know a number for moonbeever that isn't an 0844 number or the 020 7637 0661 number? I need to speak to their essex office about my IPA which is ending very soon. :j:beer: Thanks!
