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Looking back on 2010 - good or bad, for you?
The other day, someone said in passing, "Good riddance 2010, what a horrible year". Initially, I silently agreed wholeheartedly, but now I've thought a little more about it... I went BR in early February. I lost my business, my job, my self-esteem, shunned my friends and family, and as much as I hate to admit it, this time…
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Happy new year to all
Just off out, so I thought I would wish you all a happy new year. See you all next year :D (sorry, couldn`t resist :o )
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House now free from or after 3 years,can anyone help?
Hi 3 years has now pasted since going BR and I've still got my house thank God,the OR took no action so it's now legally mine again. I want to do all the paperwork and get it back into my name etc,I've got a mortgage etc but can I do this without a solicitor? and do I start with the Land Registry? Thanks in advance :T
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Conflicting Figures From OR Solicitors.
I was declared Bankrupt in 2007 and I have been repaying a monthly sum to the OR's solicitors, Moon Beever, ever since without missing a single payment date. In April this year I received a letter from Moon Beever stating "Date of last payment due: 29 December 2010". Then in Mid-December I received a further letter from…
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Early Discharge on New Year's Eve!
Just had a letter off the IS confirming my early discharge which happened earlier this month. Couldn't have come at a more perfect time :T Bankruptcy duration - 8 1/2 months
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BR seems the best option
Some great information here, helped alot. Ive had an informal chat with a company called Reviva, just wondered if anybody had any thoughts on useing a company to hold your hand through the process and costs involved. In particular Reviva, I have come across over threads warning of rogues and dont want to fall in that trap.…
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Still Can't Decide What To Do!!!
Hi, Have previously posted explaining my circumstances but still have not decided what to do. I am positive that financially (even with the recent rules changes) that we will be better off going BR but I have to admit I just can't get my head round the thought of having to rent a property possibly for the rest of our…
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What shall we do?
Okay, guys, i'm looking for alittle advice here please, My husband has just been advised that he is at risk of redundancy, if that happens then we can not afford to pay the debts and would need to look for another route, So a few questions All the debt is in his name solely, therefore can they chase me for it? If my…
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First Christmas not on Credit
Well cant tell you how good that feels this christmas, pressies was cut back to just very close family, didnt overspend on food what normally gets thrown out cause of buying too much. And best of all i managed on a budget something i never had pre bankruptcy. I can honestly say i think my life is so much better without the…
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OR Interview +New Property Rules Advice Needed
Firstly Happy New Year To You All Went Bankrupt on 10th Nov 2010, had my OR Interview on 30th Nov 2010, really nice lady who went throught my forms, afterwards she said that it looked like i wouldnt have anything to pay. Only my tax from my salary on a NT code Still havent heard anything though, or on a NT code yet. I…
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Please Help!!!
Hi Im looking for some advice. My fiance and i have split up and are cancelling our wedding etc, he is in the army and currently in afghan until april. The problem is we have a joint mortgage - we bought the house for 87k 3 years ago with an additional 10k loan so if we are to sell we will both be in debt given the current…
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Just watching bbc 1 Nick Knowles
I am just watching Nick Knowles on the bbc {DIY SOS???} I am not sure, but they are fixing up a property of a possible MSE member, of what forum I don't know, a deft bit of camera work showed to those in the know, my youngest said that's what you go on mum! {all I wanted to say was good on the BBC for taking up the…
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Is BR the way ahead?
My father-in-law left the forces over a year ago and is now struggling financially and gearing up to go bankrupt. He is on a disability pension and also in receipt of mobility allowance, housing benefits, etc. He has spinal problems and suffers from Post Traumatic Stress Disorder. Over the past 5 years he and his wife have…
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Tale of Two Banks
After my recent BR, although I can still use my Lloyds account, I thought it would be useful to have another account, to put money aside for the irregular bills, so that I know the cash showing in Lloyds is mine to spend, so I popped down to my local Barclays.....OMG!!! This is a bit of a saga, but feel the need to get it…
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bank account
Hi I want to open a new bank account now that I have been made bankrupt. The options are the Co-op and Barclay's but these are the two companies I owed money to. Does anyone know if I would still be able to open an account with either of them.
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Court orders before BR?
Hi, Just a quick question, I have managed not to go BR just as yet but it will be a matter of days now before I will get a court order(s)/summons from the debt collection agencies. Will this make any difference at all or should I file for BR before this happens?
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Repo court order from NR
Hiya, long time since been on here (well long considering I was on here every day!). We are doing vol repo after going BR on 4th Nov. OR have told all creditors etc. We sent back our flat keys with a letter to NR to say we were doing vol repo etc. They sent through some forms which I didn't complete as I gather on here we…
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BR and Council Tax?
Hello, I was wondering if anyone could tell me if CT arrears would be included in BR? Or whether they are not because they are owed to government? Many thanks in advance for any help :)
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Informing OR when working
Hi Everyone I asked this question on another board and was told I should start a new thread so here goes. I was made bancrupt on Dec 19th. At the moment I am unemployed but have been offered a job in February. Good salary , company car etc. I know as a BR I should inform the OR but have been given conflicting opinions…
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A strange vistor
Hello, I'm new and didn't know where to post this message as it doesn't 'fit' into any group. I owe about £5,000 to various people, all of which I'm paying a small amount to each month. About an hour ago a man turned up at my door, asking for me, but under my married name. I said Yes, it is me, but I've been divorced for a…
