-
date set :) january 4th :( so far away
so i have a date for my br pettion :) but was shocked to find out i have to wait till january 4th. i phoned to see if a walk inservice was available or if i had to make appointmnet and january 4th was earliest i could get which i am alittle :( about. its 3 more weeks and now i have to go through xmas with this still hangng…
-
A friend is in trouble...
A friend of mine drunkenly revealed a financial secret tonight, and I want to help him. He's 26, single and rents a room from a friend. He's self-employed, but for the past 2 1/2 years has not been paying tax on his earnings. He is VAT registered, but also never invoiced for it and therefore never got the extra earnings to…
-
what happen to house after 3 years?
ok, we're discharged and the house is with the RTLU. When we went bankrupt we were told we were unlikely to lose the house (partly because very little equity and 2 mortgages, and partly because hubby only on temporary contract). I know they keep interest for 3 years but what happens after that? Do the deeds revert to us??…
-
can my ex (or indeed NR!) force sale of house/
Hi there. I went bankrupt in Jan 2010, ED August. The mortgage with NR was/is a Together Mortgage so part (£140k) is secured mortgage, and the other part (£30k) is unsecured. Mortgage was taken out in mine and my ex husbands name. I went bankrupt, and managed to keeep the house as it was in negative equity. Due to…
-
bankruptcy
I am very confused too. Even more so since my daughter has been in the hands of Debt free direct paying at least half her income monthly and living with us as she has no assets and no home since her last job which included accommodation. She has been contacted by a company called consume action group and tol d that she…
-
Good news but still really worried! Help!
Hey guys, It's been a while since I last posted. Things have been tough and even though I'm now discharged, I'm still struggling to get back on my feet. On a positive note, I have an interview soon for a job that I really really really want. :j However, I can't stop worrying about the threat of a credit check. It's for an…
-
ED today but but NT cost me dearly
I went BR in April 2010 and got my Early discharge today, I should be elated but it's cost me everythnig. I was employed full time by a small company as a field engineer with a company car and all the benefits for 2 years and very happy, as was my employer by my performance. In July the company received and applied my NT…
-
Home advice please!
Hello! I would really appreciate it if you could give me some advice! My husband went bankrupt in April 2009. We assume he was automatically discharged in April 2010 (his name doesn't appear on the IS Register). I called the RTLU today to find out what is likely to happen to our home. They told me that I have the option to…
-
Help and Guidance Needed... (Please)
This is a long one and I'm really sorry for this but I really am stuck and I don't know what to do. Let me highlight the debts that we currently have: £5250 Overdraft with Lloyds TSB £1000 Overdraft with HSBC £2000 Credit Card with Halifax £2300 Credit Card with Lloyds TSB £19000 Personal (Unsecured Loan with Lloyds TSB)…
-
Failing IVA facing bankruptcy
Hi All I'll try to keep this brief as it has been a long few years! I entered into an IVA with Blair Endersby in August 2008. I was happily paying in £373 per month from my surplus income until I fell pregnant in August 2009. I continued my payments until two months after I had my daughter. I had informed the company of my…
-
Allied international credit
I keep getting letters from these people dispite writing to them with a copy of br order in Aug. I refuse to ring them, sholud I just ignore the letters or let the or know? They are making threats to take me to court etc. Has any one else had dealings with them as they just seem to ignore the fact that Im br.
-
Automatic discharge
hi all, Yep it's been a year already, and we've survived. Our discharge was due on 03/12/10, but we haven't had any letter and still show as bankrupt on the website. Can anyone tell me what happens next?? It's been a tough year but we'll have managed 2 christmases and NO debt! Fantastic for us. Thank you all sooooo much…
-
entries on file with no info.
hi all. went br in sep 09 received ed in june10. thanks to all here for support and advice. I have my experian report which shows balances on 5 entries after br date, there are 2 who i have never heard of and when i click on more info it says exp have none. also, i am slightly concerned about giving my new address in case…
-
Council tax advice
Hi guys, Firstly i hope this is in the correct forum and secondly thanks for the last advice you gave me. Any how, We have moved out of our mortgaged house into a rented place. The house we have moved into is in the same council tax area as the last. We have told them we have moved out and are handning back the keys to the…
-
help!!advice needed pls
hi there dont know if i am asking this in the right place but just wanted some advice...my husband and i bought a house roughyl 5 yrs ago for 80,000 we split up in june this yr he is still living in the house although my name is still on the mortgage he had the house valued and it is now worth 70000 at the most we still…
-
Please can someone check our budget for us?
Hi, please could someone look over this for me. My husband and I are both declaring bankruptcy on Tuesday. thanks. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly…
-
BR and now redundancy :(
I went bankrupt on 3rd december and my partner has today (after spotting his work being emptied of stock) been made redundant as the company has gone bust. He will get about £2k and has no debt and has about £2k of savings, so we're not in a desperate position. But it just sucks its all come just before xmas and we're…
-
tesco card clean up
hi im doing my credit file clean up but cant find address for tesco m/card .i think it might me under bank of scotland but hopefully someone will know thanks
-
personell injury money
i have just declared bankruptcy,have received a cheque for approx £2000 pounds for pain and suffering,no wages included as i was paid while off work,is this mine to keep or will the official receiver want the money
-
Will OR want proceeds from stock market trading?
Hi everyone, I'm looking to start trading on the stock market in case I lose my job- its only temporary. My question are, 1. Will I have to notify the OR that I'm now trading? 2. Will the OR take my winnings? Thanx
