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Utilities/Commercial/Ltd Coy
if you were to open a shop,, who would sign for', the gas/elec ? One of the 2 Directors, I assume, of the Ltd Company who would be running the business. If the Coy went into voluntary liquidation, and owed £ to the utilities, how/who would the Coy's persue ? Would it be the Coy, or the Director personally
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the deed was done!!
Husband was made bankrupt yesterday by HMRC as you may have seen by my previous posts they were relentless to the end.Not a very good weekend trying to keep going but do not know what to expect .How long is it before OR contacts him the court said 2 weeks and when is bank account frozen. Trying to look at it as afresh…
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A couple of questions from a Newbie!
Hi, So, having spoken to National DebtLine at length and reading everything I can get my hands on - we're ready to go Bankrupt - Scary! Just a couple of questions at the moment: 1. is it no longer possible to do the forms online? 2. my husband gets paid weekly directly into our bank account. I knot that we need to set up a…
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P800??
Hi all i declared myself BR in june 2008 and got my nt tax code as usual and paid my ipa etc the tax year ended 2009 and my NT code stayed on my payslip, my employer said that they have never recieved a coding notice removing the NT code, early this year i rang HMRC and got them to send me a new coding notice as i did not…
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What a right mess
hello Ive just joined to get some advice please. I live by myself at the moment and suffer from Bi-Polar and dont work at present and my only income is Income Support with a Disability Premium. I am keeping well and my medication has made a fantastic impact on my life and all is well. I have a lovley boyfriend who helps me…
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BR today :(
Hi all i did the deed this morning and i'm now officially bankrupt! it was an easy and not scary experience and they did it all in one go (rather than returning later in the day after they have checked my paperwork etc) due to the weather they didn't want to make me go away and come back, which was nice. I didn't have to…
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Very confused - IPA??
Hi everyone Please can anyone offer some insight into my situation as I’m very confused, and I had a very strange telephone conversation yesterday with the OR: I went BR February. At that time I wasn’t assessed for a IPA as my circumstances were due to change (moving home and change of job) so I was told by the OR they…
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Letter from OR
Hi, I was automatically discharged on November 6th 2010 and wondering if I should've received a letter or something from the official receiver to confirm this as I need proof to enable me to have internet banking? Thanks, Louise
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Misrepresentation of property - threat of court action
My partner and I sold a flat earlier this year to move to a house. 3 months after moving out of the flat, we received solicitor papers through the door where the person who had bought the flat was claiming misrepresentation. We were very shocked and found a solicitor straight away. The reason for their claim is that they…
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Not knowing all my creditors
Due to having my head firmly up my !!!! for way too long now I have lost track of all my creditors, and more importantly they have lost track of me! When I go bankrupt what would happen if I haven't managed to get in touch with everyone so they are all considered? Or more importantly what would happen if I find the details…
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Can they claim my boyfriends house?
Hi everyone - I'm trying to avoid BR but due to the mess my ex husband left me in, it's still lurking as a likely option. I've met a wonderful new guy and we're very happy together. He's currently buying his own place and I'll be moving in and paying rent. He's a little concerned (understandably) that if I do go BR then…
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Payment Arrears on Direct Debits
Hi all, Went BR on 17th Nov, and was in arrears on Mortgage and Secured loan by 2 payments each. If I now have my Direct Debits set up with my new bank (Co-op), to enable me to contunue with my monthly payments to both creditors, would they be able to attempt to take the arrears as well through my direct debits. ie: take…
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Angry!!
Not really br related but this made me so angry that I have to get it off my chest. Went to pay for some petrol in a small local garage today. Used my debit card which I have done many times before, knew there was money in account as have just been paid and I watch every penny anyway so allways know how much is in account.…
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Bankrupcy, shared ownership in husbands name
I have a question. I am married have no children at home and my husband has a shared ownership mortgage in his name, he owns 25% of the property. I may be losing my job due to long term health issues. If this is the case I will have to declare myself bankrupt as I have personal debts. Will the courts make my husband sell…
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Article on Misleading Names
Hi all An Interesting article below on misleading names - http://www.bbc.co.uk/news/business-11900874 Bankruptcy & Insolvency titles mentioned. NED-CAB
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OR Interview - DONE
I was so nervous this morning but we really didn't need to be!! Over in 25 mins (for both of us) and we get to keep the car, no queries on anything and our SOA is spot on apparently. :D The new guidelines were mentioned and H said he'd heard about them. The OR then asked where he had heard about it as it's only been a…
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Today was the day.... roll on 2011
Hi all I just want to say a big thank you for all your help and advise over the last month or so. I was in court this morning at 9.30am, just made it on time after being stuck in traffic for what appeared to be forever! All went very well I was in court and out in under a hour, judge was very nice made me feel at ease.…
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Finding life really difficult without credit
I have been BR since May 2010, and my OR wrote to me in September saying I may be given an ED. I am really struggling financially, even without my debts, as my husband lost his job, was turned down for ESA and JSA, and now I have to claim JSA and look for work. It's taken time for it all to go through, and relying on…
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Help! im getting screwed by my mortgage company and my ex!
i I am looking for as much advice as possible regarding my slightly tricky situation... this is the situation: Just over 3 years ago (aug 2007) my ex partner and I bought a flat, we used a mortgage advisor who was a friend of his and without sounding like like a 'silly woman' i left most of the details down to him. the…
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All Done
Hey everyone, just wanted to share my experience yesterday Not as bad as I thought it would be - in fact far from it Went in and checked over papers with a lovely lady, she then spoke to the judge for me ( I didn't even have to see him ) and then came back and confirmed my order. Then spoke to an OR on the phone and I'm…
