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Thinking about it
Hello I've jus read the Newbies and Lurkers hread and it prompted me to suck it up and post. Some background on our situation, I owe around £15k and DH owes around £18k. DH is currently on a DMP with Payplan paying £425 a month, only started in Oc. Although it pains me to admit, I have been ridiculous with my debts. We…
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Sudden thought
I had my OR interview last wednesday it lasted about 45 mins by phone. I was then told moonbeaver would contact me to pay my £14 per month to them for 3 years. We had discussed my assets (my car is the only thing) very briefly earlier in the conversation - he just asked if i use it to get to work and I said yes and have no…
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End of IPA - Thanks & merry christmas to all!
Hi Everyone :wave: I'm an old member of the board - not so active these days but I thought I'd pop along to say hi and share a quick update. I went bankrupt in March 2007. At the time, I was tussling with whether to go for an IVA, or take the plunge and risk bankruptcy to the tune of 37k. I came on to the boards in Feb,…
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Door step lenders
Nothing really to do with BR but at least something is being done to curb these lot http://www.bbc.co.uk/news/business-12041231
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Back from OR
Husband just got back after 2hr interview .He said it felt more like an interrogation and although he took everything they asked for he wont hear the outcome for 3 months is this normal.I think because it was a VAT debt they were quite fierce.Is it normal to wait this long.Thanks for all your help and good wishes .
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After ad
Hi All and a Merry Christmas, Tomorrow will be exactly 1 year to the day that we went BR, we have not heard from the OR since the summer when we had to complete an IPOQ form because we had the chance to buy the BI in our house. We have paid the OR what he wanted for the BI plus the £211.00 costs which we paid yesterday. We…
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How long will i have a BRO for Gambling?
Hi guys, thanks to all the advice given to me so far its been really helpful - basically i have got to go bankrupt due to gambling.... how long should i expect to have a restriction on for the nature of my debts? I have been told 6 years worse case - if thats the case then how do i look to negotiate a more leniant…
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Beneficial Interest
Hi, I have a question about beneficial interest. In my particular case its about making sure I have as little as possible. Thankfully, I'm not currently facing any financial issues, but being self-employed feel that I always have a slightly higher risk (e.g. a client taking action against me or such like), and want to…
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OR today
Husband has interview this morning .Still there and started at 10 o'clock .Do not know what is worse the waiting or the interview.Took everything with him so hopefully ok.:eek:
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Advice about Bankruptcy
Hi I need some advice regarding Bankruptcy. Bascially i am 15 thousand pounds in debt and have been for five years. For the past two to three years i haven't paid anything back. I lost my job three years ago and it all spirialed out of control. I managed to get another job six months later, but i had a lot of family debt,…
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Borrowing after bankruptcy
I have been discharged from bankruptcy for 4 years and urgently need some money and wanted to apply for a loan of £3000. Does anyone know of any company that will actually lend to me. I have tried using them agents advertised that charge a fee with no success, so am looking for a company that will take the risk with my…
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Discharged bankrupt but now can't afford mortgage.
Hi I'm hoping someone has some advice for me. I went bankrupt in May 2009 (discharged about 6 months later) due to large amount of unsecured credit, however decided to keep my house as could afford the mortgage and couldn't face the thought of having to move out as well as everything else. I was allowed to do this as there…
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Nee Advice re Bankruptcy only income State Pension
This is my first post, looking for help for my Mum really, bear with me, I'll explain; Mum, Dad and Brother lived in mortgaged ex council house which they bought. Dad left Mum in Oct 09 for a younger model (seriously, same name and looks) anyway, after promises like "Of course I'll pay the Mortgage, I'm not going to see…
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Redundancy Payments & Bankruptcy
Hi guys, I need a little advice and don't know who to ask. I would really appreciate your help. I have been made redundant and received a lump sum from my past employer which is made up of a compensatory payment for the redundancy, cash instead of holiday taken, cash instead of pension payments and payment in lieu of…
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Student Loans and Early Discharge
Hi, I filed for bankruptcy in August and I was wondering if anyone has any advice on following: Early discharge I have just been sent an ED letter and IPO forms to complete and I was wondering if anyone can give me any information as to how long the process takes and what happens after you re-submit your earnings. Also has…
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Valuation for buyback of house - help/advice please
Hi, have paid for a valuation to be done by an RICS chartered surveyor but I am not happy with the value he has given. We know our house is not in great condition - no central heating, 70's kitchen & bathroom in need of replacing, needs total redecoration and he was advised at the time of the valuation also that the roof…
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Bankruptcy Restriction Orders & Income payment orders
Hi guys, I need to know a certain thing about BRO's and IPO's. Basically i need to go bankrupt and i currently wont have hardly any expendible income once my expenses and essential living costs are taken into account. I know that i will be discharged after 12 months and wont have to pay anything after that - but if you get…
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Bankruptcy question
Hi I made myself bankrupt on 3 Dec 2010. After seeing the Judge I received a call from the Official Receiver and gave them my contact number. My wife received a call from them when I was at work and they gave her an alternate time and date. No one called. I contacted them in Swansea and they had no idea about my call. I…
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gas prepayment meter
i am not sure were to but this for advice. i currently have a prepayment gas meter i just cant afford to keep topping it up i am currently with a iva so i dont have much spare each month i am currently putting 5.00 a day on. is there anything npower could or should be doing to help me. any advice will be great
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life after bankruptcy, what now?
I am married with 5 children and studying at university to become a qualified counsellor in just over 1 year. i was discharged from bankruptcy in april this year and so was my husband. my husband is currently on disability benefits and i am on student finance. i hope to one day own my own home how can we get on the right…
