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British Telecom
Does anyone have any advice regarding them, I have recently moved into a new home and Sky have told me I can not get the broadband without the BT landline, funny thing that as one of my friends moved into her new home and did not require one. What type of deposit will they require? I know I will fail the credit check?…
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Assisted Voluntary Sale Scheme
Hello All, Further to my previous posts relating to voluntary repo of our house I have unaminously telephoned my mortgage company and explained the circumstances. Brief background, split up with wife, moved into parents, paying half so far but cannot pay in long term (few months at most maybe made redundant definitely will…
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Income Payment Order and Cancer
Hi Everyone. My husband and I will be automatically discharged from bankruptcy on the 11th November. In the meantime I have been diagnosed with Cancer. I am currently off work and my pay drops next month to half pay. We both have an IPO, mine for £240 and my husbands for £100. We have only just paid under a year of this…
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What Happens
Could anyone help me with some advice please.... I am seriously thinking about stopping paying for a personal loan which is halfway through its term,if i cancel the direct debit can the bank still collect its money from my account which is the same bank the loan is from. What will the final outcome be after bankruptcy…
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Could someone look at my SOA???
Am planning to file for BR in the next few weeks and I'm trying to plan ahead.... Could someone look at this and let me know if it looks ok? I have filed it in with Post BR figures - at the moment we are pretty much living on the breadline and don't have insurance or Holidays but I understand we are allowed these kinds of…
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Redundancy Bonus and IPA
Hi there, I hope you can give me some advice. I was discharged in Dec 09 and had a 36 month IPA to pay every month of which i'm about halfway through. I was made redundant end of Sept (getting statutory redundancy just over1k and severance pay of 3k) and I managed to find a new job that started 2nd week of Oct.…
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mobile phone contract
when should i cancell mobile phone contract .pos going br febuarry (scotland) my contract is for 2 phones one is £15 a month sim other doesnt run out till oct 2011 bill is usually £40 a month i am thinking of going with tesco PAYG £10 GIVES you £30 credit a month . also im told you cant get sky so will have to cancell that…
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provident
hi ive been advised to do a dro and my partner bankrupcy, we have a provident loan the cccs have told us not to pay any debt to save for the fees but im still paying provey cant stand telling some one in person . just wanted to know if there is any way around telling them in person?
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DiY BR forms problems at court?
Hi all, The nice lady at the CAB who was going to do my forms for court has gone on holiday for a month. My creditors are closing in so I'd rather crack on and do the BR myself now. She seemed adamant that if I did my own forms there would be a high chance of being turned away at court on the day of my BR if I'd filled…
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Help with outgoings
I live in Scotland, have been declared bankrupt two weeks ago which i applied for myself and it was granted. I have my phone interview on Thursday and i have been asked to put a list of my outgoings together. I live with a friend in her council flat. I am only classed as a lodger on her tenancy. Below is what i pay out,…
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sky
Hi all, Should we terminate our sky contract before we go br. Would the OR consider this a luxury? our broadband,which is not working,phone and tv is in the package. it would save a bit to pay towards an ipa. Laters
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another IPA question
to cut a long story short i was originally given an ipa i spoke to the or and was told that some of my expenses had been cut, got a copy of the calculator and altered it to include school diner money pet food optitions etc the or excepted this and said that if i didnt hear from her there would be no IPA however i am…
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Can a bankrupt own a limited company?
Hello there, can anyone help with my question? As an undischarged bankrupt can I own shares of a limited company? Lets say I own 55% of the shares without being managing director or having any involvement in a management of the company or its finances. Is this possible?
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understanding % split on property
hi all and good afternoon! right i need to know im not being dumb here, to cut a very long story im looking at bancruptcy and have a joint property in spain with my brother. it was bought @ 54,000€ mortgage left @ 45,000€ value???? i would guess 48-50,000€ he paid the deposit/fees and we then split the mortgage 50/50 for…
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Sole Trader SOA questions...
It's my birthday and I am sitting here filling in the SOA...it seemed like a good time to get started!!! I have a couple of questions: Can I type it into the MSWORD document and type it (then print it out for the court)or does it have to be handwritten? When listing Tools of Trade/Assets etc - how do you calculate the…
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Help !!!! About to apply for Bankruptcy
Im new to this forum but have been reading the advice for several weeks now. Ive struggled along for so long now, I have taken advice and my best solution is Bankruptcy. I have several questions which i could do with help on. 1. Im employed as an Operations Manger for a company do you have to apply to the court to carry on…
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Do you think bankruptcy wil become more accepted?
OK just been reading a few other threads about property and one comment caught my eye something along the lines of: "She should just go bankrupt, the consequences only last for a few years if at all" This got me thinking, if this double dip does happen with the recession, which from the looks of things is very possible,…
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Discharged in July, Accepted for CC yesterday.
As title really, got accepted for a vanquis credit card yesterday :j interest rate is daft!!!! but it is going to be a big step into rebuilding my credit report. And just a note: Vanquis was included in my BR.
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CCJ Question
I was discharged from BR today and was wondering can you get a ccj that was included in the br settled and if so how?
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Who does the OR notify?
Hey all Our BR date in court is looming >wibble< and we're just finalising our forms and the like. It asks for our landlords name and address. Will they tell them? If they do we'd like to do it first. We're paid up till Feb 2011 and have no arrears with them. Will they need to notify our work? Neither of us have BR clauses…
