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Rented property ehat are you paying while bankrupt
As title say I will have to surrender my house due to loans secured on it and no equaty. Looking for renting but not sure what the o.r will class as resonable. There is myself and my 3 lads so a 3 bed house min i think. So the question is HOW MUCH ARE YOU PAYING ????
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My Alliance & Leicester bank account!
I need to check with alliance and leicester if they will shut my bank account as I have just been made bankrupt but wondered if anyone knows what they will do. Its a basic bank account with no debt on it, no overdraft etc I have my wages paid in and my bills come out thats it and I have no spare money (hence going…
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O,R rent allowance
Is there a percific figure that the o.r allows for house renting ? Oviously not that i would but if i was to rent a nice 4 bed house to use up my remaining surplus money each month would they make me find some cheaper accomadation. If they were to set a payment order up for me to pay a certain amount each month of my…
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I.V.A / bankrupsey on insolery register
Hi again i am just after a bit of advise on the above. January 2010 i entered in to an i.v.a (runs for 5 years) April 2011 i went bankrupt (1 year if all goes well) On the insolvery register when i search my name i apear twice one for i.v.a then one for bankrupt. My question is when will my name be removed from the site…
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can i reclaim bank charges if bankrupt?
Hi there As you can see from title i am bankrupt & really struggling financially at the mo, i know i have had about £1000 of bank charges with natwest who i don't bank with anymore Any ideas?
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Extra pay due to new tax code
Hello all I appear to be now getting just over £20 per month extra due to my new tax code I'm on an IPA (old rules), so i will forward a payslip copy to the OR. Should i send a copy to Moonbeever as well? And do you think it'll end with me having to do a new SOA or will they just tell me to pay a bit more? Thanks in advance
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Joint RBS overdraft
Hi, Can someone tell me what happens to a joint OD when one spouse goes BR and the other does a DMP? We have a joint current a/c with RBS (have stopped using it and moved to a joint co-op cashminder) with a £7k OD outstanding. Does it get halved and half is covered by Dh's BR and i have the other half added to my DMP, or…
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Thinking of Going Bankrupt - Why did you go BR?
So, I have a mess of credit cards. I have commuting expenses greater than £700 per month and can't get a job closer to home. Combined with my other monthly commitments, I had to resort to credit cards just to keep going. Well, I've been extremely stressed for close on five years. Reviewing my finances I see on three of my…
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House reposetion
Hi all Just a few questions really, After going bankrupt 5th aprill 2011 i have as probably noticed from my previous post decided to cancel all payments inc mortgage, loans etc. I am 1 payment behind on the secured loan and the i.v.a so at the end of this month it will be the mortgage aswell. Do i just get out of the house…
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Bankruptcy not on credit file....
Hello all, I was discharged in September 2010 from bankruptcy and married last month - so I now have a different surname. I have checked my credit files and there is no mention of me being bankrupt. It also shows that I am not now on the electoral register. All previous credit agreements & addresses show on my file. Once…
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Debt Relif Order
i an wantingto get a DRO and i was wondering do have to put EVERY creditor in or can i leave one out,( i have an account with bright house which i dont want to include beacuse i dont want to loose the item).
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BR forms online??
Where the heck are they??? lol "You can complete both of the above forms online via The Insolvency Service's Online Forms Service. This is an interactive internet service which can be accessed at a time and location that is convenient to you via The Insolvency Service's website, www.insolvency.gov.uk . Just follow the link…
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Aboaut to go BR on ESA benefit
Just a quicky folks - I'm on ESA and filling in the BR forms today and trying not to seteess out more than is necessary... Could anyone help with these few questions - my heads spinning and I can't seem to wade through any more info to find the answers, my heads swimming.... * My ESA gets paid into the bank directly - is…
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The may 2011 br club
Hi everyone, welcome to the May 2011 Bankruptcy Club. This club is for everyone who has gone through the process of Bankruptcy during May 2011. So please feel free to join and post. Pop your name on here, the date that you went Bankrupt and the stage that you are at now in your Bankruptcy. And then just keep everyone in…
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Words of Reassurance ........
I know that as it is a long weekend, some people will find themselves realising their situations, and might find themselves here. I wanted to let anyone know, who is taking the 1st tentative steps to facing up to their situations, and possibly going down the route of BR, how I am feeling almost 4 weeks post BR. Early…
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mobile phone contracts
hi guys. was discharged from bankruptcy march 22nd 2011, im looking at getting a mobile phone contract. does anyone know if i stand a chance of getting one??? and if yes who with?:D
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So here goes...
My wife and I are up the creek with no paddle. £40K unsecured between us which has got too much. We haven't missed a payment but our circumstances have changed and we sought some advice from the CCCS and have been advised to file for bankruptcy. We obviously have to file seperately but are terrified it gets refused because…
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IVA/change in circumstances
Hi there, Two questions - how long do you think it is likely to take for the OR/Moon Beever to process a change in circumstances? I have filled in another IVO form with all the new details and sent it off but not sure when it'll come back! And two, can they ask for a new payment in retrospect, ie can they ask for April's…
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Need Help with bankruptcy I&E
The first thing is, I live with my partner. So how does this change things. I know someone who has gone bankrupt but is single so things were pretty simple for them. I don't know whether to do the income and expenditure with just my half of the things that I pay, and then put other householders contributions as nil, or…
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Help!! Bankruptcy + Tax
Hi All, I'm wondering if you anyone can advise me on the following, I was declared bankrupt in August 2009, Discharged February 2010. No changes to my employment, but did have a change in circumstances so the OR agreed I no longer had pay my IPA. I got a NIL Tax code, which started in December 2009, I also received a…
