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ISA mortgage
Wondered if anyone could help with what is probably a daft question. I have been off work for a while with cancer and even though we were discharged from bankruptcy last November we have an IPA which the OR has suspended while I am on half pay. The problem is we are still really struggling for money. We have an ISA…
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BI question....
Hi, TLT have written to chase us for the £213 to sort out the BI in our home. We don't really have the money at the moment...... what happens if we just leave it?..... I think i read at some point that it transfers back to you at a default point but any advice would be great. Thanks
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Increase in utility bills
Hi contact OR has electric has increased from £72 per month to £110 OR said we will need to take this out of out suplus, we had an IPA set in Aug 2009 not had this re-assessed even though my income has gone down and everything else has gone up, is this correct.
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Panicking now... Br tomorrow!
Eeeek! Just was wondering and flapping somewhat... In what sort of circumstances could my br be refused? Thx
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Bankrupt, House in Neg Equity, 2 Secured Loans
I've declared myself bankrupt of the beginning of March. I'm continuing to pay my mortgage and secured loan. The total of these loans is about £92k, the house next door but one is on the market at £55k! If I were to stop paying one lender, i.e. the lower of the two, who just happen to be Firstplus(!) would they be able to…
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Bank Account Debt Post BR
Hi , I went BR last November, and included my Nationwide Bank Account at the time, it had a balance of £8 if my memory serves me right. I included it as I assumed that Nationwide would close the account. I set up a new account with the Co-op, which I have been using since BR without any problems, internet banking etc. I…
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Had a text from Fairfax Solicitors re HMRC
Just a heads-up in case anyone else gets a call. I'd spoken to these folks about 6 months ago. HMRC were chasing unpaid VAT from my company that was forced to close when I went BR. I explained the situation to them when I got the call, they apologised for bothering me and recommended I spoke to HMRC (again) to clear it up…
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at wits end
Hi all, sorry if this is in the wrong area and a little long winded, but at my wits end and dont know what to do. i left the military about 2 years ago and due to my wife having a little one (my pride and joy) and the credit crunch we saw our combined income of 50 k drop to around 12 k as that was the only job i could get…
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Should I phone the OR or just wait?
Hiya just a quick one I went bankrupt on 28/03 and as of yet have had no contact from the official receiver.... Just a letter saying bankrupt offici etc What should i do? Ring them or carry on waiting?
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About to apply for Bankruptcy
Hi everyone a bit of help needed please. Myself and my husband are seperating, we have mortgage, seccured loan and quite a bit unseccured borrowing. He works but is on a low income and I have no income we have been advised bankruptcy is the best option. At the moment I can't afford the fee's but he has the money for his so…
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Curious
I got a text today offering me the following: "Due to a new legislation, those struggling with debt can now apply to have it written off. For more information text the word 'INFO' or to opt-out text stop." Interestingly none of my creditors have ever had my mobile phone number, except maybe the bank I had to leave to open…
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Rasing the bancrupcy application fee
I was hoping not to have to go there but with being out of work for 4 months now and with the only income being JSA of £65 per week I just have no option but going BR. I had a DMP while I was working, when I stopped working I broke the DMP and was sending all creditors £1 token payments every month but they have started…
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Anniversary
Yesterday was my 3rd BR anniversary. All going well and half way to dropping off my credit files! For all of you just starting your BR journey, things do get better even if you can't see it now!
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Whatever to do...
For the first time in years I find myself bored... For years I worried about my debts Then I worried about my BR day Then I worried about my OR interview Now what...
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new 6.27
Thought some of you may find this usefull
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Arrow Finance - tut tut!!
I was made BR on the 14th March and included in my debts was an old phone bill from December 2006. I had never been chased for this bill (having moved 5 times since) and had never had any contact with the DCA at my current address. Yesterday I received a call from NCO Finance??? Chasing this debt - with my address details…
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B-Day tomorrow !!
Hi, I have not posted in a long, long time. Finally plucked up the courage to book the court date for tomorrow. Have completed and copied me forms and have the fee's in a crisp white envelope! Will be there bright and early at 9:30am. I'm really scared. Like most I'm hoping it goes as well as everyone says but I've got the…
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NI payments
When I go bankrupt and my tax stops getting deducted from my wages. What happens to my NI contributions. Will those deductions get stopped or do they continue as normal.
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Bankrupty Fee
Hi all, Sorry it's me again, another question how would the OR look if i paid my BR fee with whats left on my credit card, I could withdraw the cash from it and would be able to afford my fee's straight away, would they frown at this ? Thanks Matt
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Phew! Survived!
Hi all Right, we are now officially bankrupt, it feels strange.... Arrived at Court well in time this morning. Had handbag searched and had to walk through scanner, all ok. DH had to empty his pockets and put everything in box before going through scanner. He told the official its easier to get on a flight!! He had loads…
