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Please help on SoA ?
Hi please can someone look at my SoA please for me and my partner? I think Im there but any help would be apreciated. ME Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 2 Monthly Income Details Monthly income after…
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Do i pay the gas bill
I have lived in my rented home since march, it is an old school headmasters house i became bankrupt in august and it has taken until now to sort the gas supply out. the gas was supplied by a company that only supplies to business so could not take me on as a customer,i have arranged for eon to take over the supply though…
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Bankruptcy this week
So I've finally taken the plunge having been in debt since I was 18. I have an appointment to petition for my bankruptcy this coming Thursday. I know it's the right thing to do but have put it off for a long time as I worked in financial services and knew I would lose my job. Anyway I left my job in May as I'd been off…
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JT Basic Bank Accounts
Does anybody know if barclays or the coop will do joint basic bank accounts. Or is it best for my wife and I to have individual accounts. Thanks for your help
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Help with SOA please
Hi, could any of you make any comments about my soa? does this seem reasonable? or anything I'm not allowed? Household Information[/b] Number of adults in household........... 1 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after…
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Demand for money after discharge
Hi, I was discharged from a DRO on 11th Sept this year. I have recently written to all creditors to get my credit file marked correctly. I have just received a letter from one of them with a demand for the 'balance'. What do I do? Do I phone, write to them, the Financial Ombudsman????
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When do accounts get closed?
I went bankrupt on 15th June (wow! four months ago!) and I've heard nothing from Santander. I opened a current account with them just before I went bankrupt and I didn't owe them any money at all. The debit card that went with the account went to the OR and I've not used the account since then but it's not been closed.…
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separated husband declaring himself bankrupt
I am unfortunately still married to a man who is about to declare himself voluntarily bankrupt again (last time was around 10 years ago). For info, our Decree Nisi is through but not the Absolute yet. Can anybody tell me what the implications of this are? Specifically because, his 2 children and I still live in the former…
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Opening Barclays account difficulty...
I went bankrupt back in July. I opened a Co-op bank account a few months before this. I applied for a cashminder account, but head office upgraded it to a current account (should have objected) and a few months after BR they wrote to me saying it was against their T&C's and closed it (no debt - it was a small amount in…
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Bankruptcy....I need help.
Morning, I lost my job and got divorced all this year...what a year it has been. I have spoken to CCCS and they have recommended bankruptcy is my only option. Due to the divorce I have been lumbered with approx 70k of unsec debt and I only earn 15k annually. I am under the impression I have to pay to become bankrupt but I…
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Pet insurance.
Does anyone have any experience with pet insurance while br please. I have had my renewal and its doubled, not br related but I was expecting it as have hada few claims and I haveheard that this company have been increasing premiums for everyone this year. Will changing be a problem because im br? Cant afford to be with…
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when to open bank acc?
Hi, could I get your thoughts on when to open new br friendly bank account, I have a halifax basic account at the moment and have no debts with them, when I spoke to cccs yest they said I would probly be able to keep that acc but would be frozen for between 48hr - 5 days. I am a bit worried about this cause lots of people…
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Inform OR ?
Hi, I will move to a friend on the end of this month. I am in a Bankruptcy proceeding but I will get my automatic discharge on 6th November. Now I am thinking about if I have to inform the OR about this matter ? There are only 6 days left to my discharge and I am afraid to contact the OR because I dont want that he could…
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UK Insolvency Agency
Is this an independant and free service or should i be wary? My wife's in a sticky situation at the moment with a shortfall debt and CAB don't seem to be the best people to offer advice. Worth giving UK IA a ring?
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Jury Service
I have been summond to do jury service:eek: on the form they sent, it says have I been to court for any reason in the past 12 months. We were in court a few weeks ago about the charge on our property,does this count? Feeling a bit nervous,so have been watching lots of Taggart dvds to get a few tips,has anyone out there…
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Lloyds Current Account - dare I use it again?
Prior to going bankrupt I was planning on entering into an IVA. I opened a new current account with Lloyds (no overdraft although they offered it to me, I declined) but full account facilities - debit card, cheque book, internet backing, etc, etc. I ran the account without a blip for approx 6 months before deciding to go…
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Automatic discharge 20th October.. No SAO
Hope someone can shed light on this one.. I havent been asked for a nw SOA about income etc, I have been unemployed since my BR last year. So if I dont recieve a request for a new SOA by the 20th of October, can I assume that I can start earning again without having to worry about paying back the vultures? Thanks in…
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What amounts are acceptable in an SOA?
Hi Does anyone know what amounts can be entered in for the SOA for a family of 2 adults and 2 kids under 5? I keep checking all the threads and the amounts seem to vary from person to person. Is there a guideline anywhere? Ta!!!
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house repo letter - Help please!
Hi, This is my first post although I have been using this forum to gather advice for a while, could anyone help me with my repo letter. I am going br in 2 weeks, haven't paid the mortgage in 4 months to gather br money and rental deposit, move into rental property on sat. I have got court letter from mortgage company to…
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Self Employed?
Hi Can anyone answer my question? If you are SE and go BR, then re set up the business. Do you have to do an SOA for the business as well as a personal one? Thanks.
