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Bankruptcy facts
Hi guys, i am sorry to say that i have put myself in a big mess and am seriously thinking about going bankrupt - i have shamingly gambled away 32-34k worth of debt trying to chase losses. I feel that this is now the only option - can someone advise me on what i can do? i think i dont deserve to have credit and need to get…
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Overdrawn bank account
hi My OH is waiting for the IR to make him bankrupt due to unpaid tax, but this hasn't happened yet. He has about 50k worth of debt on credit cards and loans but these companies have just been threatening for about 3 years and not actually done anything. He cant afford to make himself BR so is just waiting. We have a joint…
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Can anyone give some advice please?
I currently have debts of a loan and 2 credit cards and a store card amounting to 33000.00, i recently took advice from CCCS and read lots of info on the net.I decided to go for an iva and filled out the statement of affairs etc and then i had to wait for a phone call.When they rang the lady advised me to consider…
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how to get a mortgage after bankruptcy
You too can get a mortgage after bankruptcy. I have just bought a house for £250k after being declared bankrupt in April 2005. Conventional wisdom that Bankruptcy ends your chances of ever getting a mortgage is just not true but there are some golden rules to follow. If you want to know how I did it, read on. Golden Rule…
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Hubbys 2005 bankruptcy
The court hasnt sent him a discharge letter, so he cant get a bank account. Trouble is, he's got a £50 cheque from New Vista (survey site) and no way to cash it! I have bank accounts, but none of them are joint. What can he do???
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Advice on going BR and joint account please...
Hi, After having thought about it for several months, and then speaking to national debtline and also a debt management company, I have decided that going Bankrupt is the only way forward for me. I have many questions but one or two plague my mind the most and I am glad to have found this forum which looks like its full of…
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Personal Loan + BR
Hello all I finally took the plunge last month and can only thank everyone on the board for the help and support I received during a very difficult decision. I've since had something come up that I wonder if anyone has had experience with. I took a personal loan to help fund the start of my business in 2004. When the…
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after bankruptcy
I wonder if anyone knows the answer to this... I have one catelogue which i use very occasionally and pay off in full any outstanding balance. I do this to keep my credit file nice a clean with lots of green ticks. However, I am very shortly to be made bankrupt. I have no debt with the catelogue. Will the Official Receiver…
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any suggestions would be greatly appreciated
Hi! hubby and I were both made BR in March 2010. The last 2-3 weeks have been an utter nightmare and have cleared us out of any money we had put away. Due to the severe weather(nightmare up here in Scotland) we've had to fork out £400+ for oil to heat the house (more than we had budgeted for), boiler repairs, and fixing…
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Finally seen My AD in writing!! Yay!!!!!!!!!!!!
Well......now I’ve seen it in writing it’s finally sunk in I have AD :dance: Thank you all so much. And a special thanks to ‘my friends’ I've met here.......don’t know what I’d of done without you all :A Much love If...x
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Bankruptcy Petition
Please can someone advise I received a Bankruptcy Enquiry letter from Land Registry referring to court proceedings, giving my previous address. I moved about 6 months ago. I phoned the court and they said the petition is by someone called Lowell Portfolio with a hearing date in 2 weeks time. I haven't received anything…
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Best place to cash a cheque?
I'm just getting back on my feet after going bankrupt in September - got a new job, just received my first pay cheque, have opened a Coop Cashminder account. My question is - do I pay the cheque into Coop or cash it? I know Moneyshop etc charge commission on cheque cashing but things are tight before Xmas and I don't know…
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Filling in the forms - advice please
Hi there, Can someone talk me through what the OR accepts in the monthly outgoings? I heard someone talking on the radio about haircuts being included etc. Is there anything else like that that I can include and what is seen as reasonable for clothes for us and our babies? Any advice gratefully received Thanks
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CCJ Payment and Bankruptcy
Hi all, I recently got a CCJ and the court has ordered that I pay the creditor £100 per month to get there on the 10th. I had a bankruptcy hearing yesterday, and didn't attend but think it was probably awarded so was wondering whether I actually need to make that payment of the £100 to the CCJ judgement or not?
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Husband declaring bankruptcy
It looks like my husband is going to have declare himself bankrupt. He did look at going down the IVA route but they wanted him to pay nearly £1300 per month and we just couldn't afford that so don't have my choice. The problem is we live in a fairly large house from where my husband works. The house is in major negative…
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To Vol Repo or not Vol Repo... that is the question
I am a current bankrupt looking for property advice with a view to ensuring I finish my bankruptcy fully debt free Bankrupt Jan 2010 Auto-discharge due 18/01/11 The property my wife and I live in is in my sole name and is currently estimated to be in approx £12k negative equity. Mortgage payments are being met but I am on…
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Insolvency Service Register
The search functions ARE BACK ONLINE!! :D :D:D http://www.insolvency.gov.uk/eiir/
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Yorkshire bank don't like bankrupts!
I got told by or that i should be ok to carry on using joint account at yorkshire so i thought no more of it until my wife (who is NOT bankrupt but i have joint account with) went to ASDA and found that at the till her card was declined even though there was money in account. Yorkshire froze account without any warning,…
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Will becoming BR make my bank close my account?
Hello, I have a very basic account with Santander (a visa electron) with no overdraft and have had 2-3 bank charges in the past 6 months. When i become BR will my bank close my account?? I have regular money going into there.
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Child Maintanance and OR question!
Hi My ex wife is asking for more child maintanance. The arrangement in place now was a mutual arrangement at divorce. My SOA is already submitted and okay'd but now I would have to change it. How does the OR view this? I'm worried about this. Can anyone help? Thanks!
