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Divorce, repossession and bankruptcy
I am looking for some advice on a complicated situation - I will try to keep it brief! I am currently supporting my brother (financially and emotionally) through an acrimonious marriage breakup. Communication between my brother and his wife is difficult and inconsistent. She has repeatedly misled and lied about issues…
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Private pension in bancruptcy
Hi im in an IVA and struggling after only a few months. I have a private pension if i go bankcrupt will this be taken from me ? Any help would be great thanks !
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Northern Rock Address
Hi, Does anybody have the address for Northern Rock, so we can send back the keys for VR. My partner rang anonomously but they just said that they need to read a script, send out a form to sign and then a locksmith would be round in 48 hours. They also said that if we just sent the keys then it would not be dealt with. I…
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Any help!!!
Hello all, Hope your all well? I am new to this and really nervous .... so please bare with me. I am 27 and in 40k of debt. I have nothing to show for the debt, I was silly with CC and loans when i was younger, things got out of hand and I borrowed more to pay off other debt! I am nothing but ashamed and embarrassed of…
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Can a phone contract be included in BR?
Hi, still dithering about BR, mainly due to the cost! Can i include a phone contract which has 15 months left to run? Thank you.
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RTLU want to appoint an IP re rental property, help please
Hi. After 3 and a half years I've just spoken with the rtlu over my rental property and they have advised that they would like an IP to deal with it. The property is in negative equity so I cant understand why they are appointing an IP. To me this will just add another party to deal with and then of course their fees. If…
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Trust Deed/IVA/home Repossesion
Hello, I was just wondering if anyone can advise me on the below... I entered into a protected trust deed November 2009. I realise this stays on my credit file for 6 years from the date on entry. However, I am currently going through a voluntary repossesion on my property. I spoke with my trustee who advised any shortfall…
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What are my chances?
I am going to get a years salary at the end of July (voluntary redundancy), and I'm currently looking at different savings accounts, ISA's etc... but I wondered whether anyone had been in this position before and whether it would be worth me trying to get a better current account? I am discharged, have been for 4 years but…
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Can they take my furniture etc in BR
Hi I was wondering if anyone could help me!! If you go br can they take items out of my property ie televisions, computers and the kids equipment? I know they can seize a car if its above a certain value but i would hate them to empty my home of its contents. GG
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NatWest Step Acc
Hi... I was discharged in Jan 2010 but NatWest still declined my recent application for a Step Acc. I submitted a paper application which was manually processed (as their systems automatically decline applicants with br.) My credit files have been cleaned up and my name also appears on the electoral register... So perhaps…
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Help!!!
Hi all, badly need some advice. My partner (we were not married, so that bans me from a lot of stuff I would have gotten had we been married ie bereavement benefits etc) passed away through illness. We had mortgage insurance, but there is a shortfall of £3000 on that which I am paying at £10 a month as I am on low income.…
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Insurance Instalments
Hi all I was discharged in 2009. Does anyone know if it is possible for me to pay for my car insurance by instalments? Or are they likely to want the whole lot up front? Is anyone else paying by instalments? Many thanks
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Can they take my wife's small savings?
My wife has just over a £1000+ savings but she is afraid to put it into her bank account as she seems to think when i go bankrupt (just me) then they can take it of her, as i am the only one going through the BR i assume its only any savings i have (i wish) that they could take? Also i have a savings account for my…
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Discharged br been accepted for virgin
Hey I need some advice I got discharged 6 months ago I applied for virgin media and got accepted thought I couldn't get any type of credit
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2nd charge on property info
I currently have a 2nd charge on my property for a business loan which my brother took out. The loan was for 700k and 2nd charge is for 75k. He has since borrowed more and loan is at 800k but also on verge of bankruptcy. If he goes bankrupt and the properties are sold at a loss by the receivers, but still receive 700k do i…
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Advice on how we can save money or is there anything we can claim
Hi, we are struggling to keep our heads above water financially and was wondering if anyone had any advice or knew if there was anything else we could claim. I cant work as i look after my 2 children and couldnt afford the childcare, have thought of lots of ideas but partner works away and so couldnt even do night !!!!!!.…
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London Gazette
Hi all this might be a stupid question but what does the score part men in the london gazette i.e Date: 12 November 1998 Issue number: 55309 Page number: 0 Score: 182.47% this is'nt my date etc i have changed figures cheers:money:
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The Law of Sod
For what seems like forever, I have been just about scraping by with little or no money to pay my regular bills as well as keeping up with the informal DMP with my creditors. Can't remember the last time I had a good night out or a trip to the local curry house; my money has been all spent on surviving. After years of…
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Bankruptcy Annulment - Nightmare story, in need of urgent advice
Hi, Firstly I welcome you into an insane story. Last year, I had a bankruptcy order against me. I sought advice and an Insolvency Practioner advised me to borrow third party funds and get the bankruptcy annulled. I got the third party funds which were taken in order to pay all creditors. He said was working on my case. A…
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Bank accounts and mortgage payment
Just been doing some more research, and have been reading about bank accounts. I'm aware that all bank accounts will now be frozen, and not to touch them. We took out money on the morning of going to court, so we had enough to get by for the week ahead for fuel and food. What I think I should have done is take all of it…
