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3 Months in GO AWAY WESCOTT
Why Oh Why do they persist!!!! I have told them 3 times now that we are Bankrupt and every time they call they tell me thay are allowed to call for each debt. I thought once they have been informed as a company that I am Bankrupt they were not allowed to contact you but the IDIOT told me that It would be easier to pay the…
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The November 2010 BR Club.
Hi everyone, welcome to the November 2010 Bankruptcy Club. This club is for everyone who has gone through the process of Bankruptcy during November 2010. So please feel free to join and post. Pop your name on here, the date that you went Bankrupt and the stage that you are at now in your Bankruptcy. And then just keep…
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Forming a limited company after bankruptcy
I'm still deciding whether to go for the BR option or the IVA and I'm a bit confused about the restrictions imposed by BR and how long do the effects last. I'm an IT professional and although I work as a permanent employee at the moment, I want to work on a contract basis in the future. There are 2 ways of doing this, and…
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Unexpected Benefits to Bankruptcy
Hey All, Hope everyone is well? Just thought I'd post something positive. Gave up smoking on my Bankruptcy Day 11th Feb, not had one since Gave up sugar and bread on the same day have lost 4 stone :) )) Saved a fortune in the process, trouble is no clothes fit me anymore, will have to learn to sew.. Arrrrgh, it appears…
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Paying for bankruptcy
Iwant to go bankrupt but cannot afford it, where can i get the money from to pay for it, cannot go to family as they are in the same position.
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Pensions....
I am very blonde when it comes to pensions. I'm currently filling in the forms for our BR and when it asks about pensions it say 'Personal' pension funds. My H and I have both had them through work, is this a personal one or something different? I'm sorry if that sounds very stupid..... I'm starting to stress a little…
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Asking for help from your mortgage provider
Hello All, Further to my recent thread about the assisted sale scheme I contacted the mortgage provider to discuss options. They told me I would have to be 3 months in arrears before they I could qualify for any help, at present up to date with payments. This seems ridiculous to me as i am asking for help before I get to…
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Shortfall after house sale
Hi there, A question from my friend today that I couldn't answer. She and her husband went bankrupt earlier this year, they are close to their discharge date. They handed the keys of their house back to the bank (Santander) before it could be repossessed and it was included in the bankruptcy. Two weeks ago they had a…
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Joint Bank Account
Hi All I would just like to know about joint bank accounts. I am going BR next month after years of stuggling with unsecured debts. I have a full time job and so does my partner. We currently pay our rent direct to the housing company who own the house but we were looking to set up a joint bank account. She has an…
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Just a quickie Child's bank account
Hi all, just a quickie my little one aged 7 came home from school with an application form for the school bank {HSBC} and you get a little red money box to save in when you open an account. Which of course she wants..etc..all her friends have one.....etc...:) How would this stand with being undischarged ? or discharged for…
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Life after a protected trust deed?
Can anyone tell me if you need to inform the Student Loan Company that you have had a Protected Trust Deed when you are applying for a student loan? My partner and I had a PTD which finished over two years ago which we completed without hitch. I now want to apply for a student loan but don’t know if I have to declare a…
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House repossession.Mortgage company & credit file
Hi all, the first time I checked my credit file(about 3 months ago with Experian) it stated that my mortgage had a nil balance (obviously as it was included in BR) and was satisfactory or settled can`t remember which term exactly.The repossession(Jan 2010) still wasn`t on it.I`ve just checked it again and there is no…
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Credit file clean up
We have both been discharged from bankruptcy now :j so I've just looked at our credit files and there are a few things still outstanding I'm going to write to them over the next week to try and get them updated. Our mortgage is one of the things outstanding, we sent the keys back in February but the property is still for…
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What next
Hi everyone long time lurker here . Iwas made bankrupt on oct 22 2009 ,my case was refered to a ip because i had bi in my house . I filled a soa in dec 2009 and brought the bi back in my house sept 2010{parents help} I have not heard anything back at all from the ip apart from the acceptance of the ip I am due to be…
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IPO'S - Can they go up?
Hi there - and apologies if this has already been asked a million times! What happens if you are discharged from bankruptcy, the IPO still has some time to run, and your salary inceases? Or you sell your house and make some money?? Does the OR still need to be notified as its outside the bankruptcy? Because in effect, if…
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Credit file query - cleaning needed?
Hi all, have come back after a a couple of years away as I suddenly realised that the BR was not the end of the story. I had completely missed the need to sort the credit file. Having looked at the (free trial) online credit reports I have found that my two biggest debts are still listed with an amount and no mention of…
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does OR check new acc?
Hi, another question I need to bother you with. I am going to open a new acc today (going br next friday) just wondered if the OR will want to look into this account? and how often?, its just my mum & dad are giving me £1000 to pay for my br fees and the rest with go towards the deposit/rent for the flat I am moving into…
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Council tax
Hi We are struggling to pay our council tax, we have arrears of £649 from 09/10 and are a few months behind with this current tax year, our direct debit has now reached £353 per month. Should I inform the council that we are going down the bankruptcy route now or wait until after the hearing? Also the same with Eon for gas…
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Before bankrupcy - what to do
Hello all, This is my first post. I am in the position of having to file bankruptcy or an IVA in the next few months. To make a long story short, this is due to some dodgy deals done by my ex-husband (without my knowledge) and a huge shortfall after the family home was auctioned off. Other than that my credit is impecable.…
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what happens next? waiting....
morning all. hope you are all ok? my br date was 28th sept and my or phone interview 1st oct. since then, all i've had from my or is a couple of letters to sign and send back. so, what happens next? i feel i'm waiting for the post every day to see if the or needs anything else so that i can get it sorted (a new me - act…
