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BR Advice - How Dark is the Dark side?
Hi, My DH and i's debt is very high, some secured and some not. We have been to see the MA at CAB initially thought a DAS was the option but it would take too long so they have suggested my DH goes BR and i pay reduced payments to my ccs and loan until he is through the 3 years, then i go into a DAS with a better surplus…
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Questions on Bankruptcy
Hi, I am heavily in debt and looking for some advice on bankruptcy. In November I was made redundant from a well paid job, and prospects of getting another any time soon look remote. During this time I stupidly ran up a lot of unsecured debt, more than I can conceivably pay back any time soon. A few years ago I was forced…
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Ipa
I have recently been told that i qualify for early discharge from bankruptcy. I had a NT code now they are saying they want me to enter into IPA the amount they are asking for is ridiculous simply cannot afford it. The 3 yrs is excluding the 12 months BR I assume? Help required please! Should I chance going to court to see…
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Arrow Global Guernsey Limited
Or Wescot Credit Services, I can't work it out as they refer me to each other when ever I complain-(sooo, I have now reverted to sending correspondence to the several addresses listed on their letters to avoid confusing the poor dears). In a nutshell said company are demanding they receive payment for the outstanding…
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please help
Ok now its getting messy. Story so far is this. This week my accounts were frozen because i have my mortgage with the same people i bank with. Fallen behind with mortgage payments and now have a default. I was saving the money in my account to petition my own bankruptcy. I have managed to get the money because it was…
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bankrupcy or not?? please help
I posted on dfw yesterday as my husband received a letter from his ex mortgage company saying there was a mortgage shortfall of £38000. His house was repossessed early last year, we didnt live in it and the tenant stopped paying their rent. I have phoned national debtline and have sent the letter asking for a breakdown of…
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3 defaults, credit rating & mortgage
also have 3 defaults on my account, which were actually declared in my bankrupcy. If i got these changed to settled would it make a difference with my credit? its with T mobile Bank of scotland and lloyds tsb ! (!!!!!!!s) get them in the green then will i be more likely to get a mortgage ? and are these cards with credit…
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Advice for a friend in a nasty mess with joint secured debts please?
Heya :) I've been pointed here by the DFW board (I'ma MFW but hang out there a lot) as I have a friend in a rather nasty mess. The short version is she and her pre-school twins have just left her husband (I won't go into details, but the manoeuver involved help from several of her family and a plan with a van, if you get…
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A little advice please
Hi just wanted a little advice if anyone is able to offer me some please. The long story is i had a business that didnt do so well and it was limited and i placed it into administration, i had a couple of gaurantees on a personal level and went bankrupt last aug. i still get people trying to chase me for money, should i…
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OR investigation opening a can of worms?
My girlfriend is considering bankruptcy and I'm looking for some advice to help her. She's a prime candidate for bankruptcy, but she's worried that during the investigation of the official receiver it will open up a can of worms for small 'offenses' that she has made in the past. Things like not paying council tax for a…
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BR and Bank Accounts
Hi, I'm just in the process of making the big step and going BR. I've already got a basic account with Barclays and would like to keep it, because I don't owe them anything. Can somebody tell me how long the account will be frozen when I'm declared bankrupt? I've heard different things from 48 to 72 hrs and that you won't…
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I don't know what to put on form
I am now starting to stress out. I am starting to fill in the forms. At present I am temporaririly living at friends and just pay a board to stay there. The problem is I don't have a rent book, they know I am going bankrupt and that was why they let me live ther to cut down my rent to get the money toghether to actually do…
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BR Forms
Hi Guys I am just in the process of filling in my forms. I go to the court on Tuesday eeeeeeeeeeeeeekkkkkkkkk very nervous as going alone. But I need to put the value fo my car. How can I find this out? If any one knows that would be great. For some unknown reason i am not nervous which is weird as I have cried nearly…
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Student Loans? Can I Still Apply?
im going to be applying for BR in the next few weeks - im compiling the creditors next week and getting the forms filled in the week after hopefully - and im planning on going back to college in august. do i have to inform the AIB of me getting my student loan, lone parents bursary and travel bursary along with the…
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Paperwork for the Official Reciever
Hi, does anyone know exactly what paperwork I will need to give to the OR? I only get electronic payslips and bank statements so need to know if I have to start printing them now so that I don't have loads to do in one go. Thanks
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Any advise please
Hi I have been to CAB I owe £70000 all in my name, nothing joint. I do not work as did not need to, then things went awfully wrong. I have been depressed for 3 years and have been struggling with it myself,my husband used to deal with all the money as he was the earner, we had a comfortable life until about May last year…
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Tax Question
This is the first and will be the last month that I have a nil tax code. The amount of tax that I have to pay has been agreed with the OR. This month I got a bonus which the OA knows about and has allowed me to keep. This bonus means I would have paid more tax but I don't know how much. How do I know how much the tax would…
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Get married before or after declaring bankruptcy?
First of all, I am so glad to have found this forum. I no longer feel dirty and alone in planning to go bankrupt... So, the question I hope to get some help with is whether to postpone a loosely planned wedding till after going bankrupt, or even till after clearing the 1 year period of being bankrupt? What impact will my…
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Online banking after discharge ?
Have a basic account (think it's called Cash Card with a visa debit card) with Barclays and as I was discharged last month, I would like to activate online banking. Spoke to someone at my branch about getting online banking going, but was told that it would not be available for 6 years :mad: (she didn't even bother to…
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Lying to Official Reciever...!
My ex has been bankrupt since oct. I have just gone bankrupt myself. My OR has asked for proof that i pay £200pm (vol arrangement) for child care. But my ex has flatley refused to give this and is claiming i dont pay her. I cant prove it myself. I think she has lied to her OR and not included it in her budget....! She's a…
