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Bankrupt and they have taken our old car??
we wehn BR a couple of weeks ago and went to see the OR today they have said they are going to take our £500 old renault as the wife dont work, they dont care the kids cant get school as we live 5 miles away from their school,i can keep my van for work but i thought we could keep the car, they have said we can buy it back…
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Mortgage shortfall and arrears after bankruptcy
I was BR 8 May 2009 and discharged 30 October 2009. I have managed to stuggle to pay the mortgage of my home but now due to personal circumstances I am fighting a losing battle. I may have to just let them repossess and then find somewhere to rent. I always understood the arrears and shortfall (my house is £30k in negative…
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Renting In Bankruptcy.... Part Deux
So I am testament to the fact that it is possible to get a rented house from a lettings agency, even the big ones. How to do it? Not easy is the simple truth. I've been discharged for 6 months. During that time Ive been saving every penny, I had no IPA so ended up after finding a job, with a lot of disposable income,…
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BR and unemployment
I am due to be discharged in a few weeks but my health is not good at the moment and am trying to weigh up my options I pay NO IPA Currently on JSA Live with a parent rather than mess about with Drs notes and claiming sickness benefit etc I may sign off for a bit (I live with my mother so wont starve!) I know I would have…
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Discharged March 09 - Payments to Moonbeaver there after.
Hi, I was discharged from my BR after 6 months in March 09. 1) The payments I am supposed to make to MB - what if I miss them or cant afford to make them? I lost my job at the end of March 2011 and I'm currently unemployed. 2) If you cant make the full payment and send token payments everyweek, would that count in your…
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Cheque book question
Posted over there but maybe over here can help. :D https://forums.moneysavingexpert.com/discussion/3171436
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Have I got this correct? IVA and self employment
As we are self employed my IP informed us that we would have a review in 6 months. By then I will have accounts for 2010-2011. Currently we are working on our only availiable accounts which are 2009-2010. It looks likely that my earnings will have increased but by what I wont know untill thay are back from the accountant.…
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Had meeting with CCCS - recommend br - quick question
Hi guys, Just had my interview with the cccs and they've recommended br. They suggest I speak to their br consultants so will set up a meeting with them next. One quick question, my rent contribution is £438 a month. I live 30 miles from work, could the OR insist I move closer to work to save on expenses? Thanks, Richard.
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Thinking about bankruptcy
Hi i amcurrently in an IVA but i think its going to fail as i havent supplied them with documents every 6 months. I wasnt sure about an IVA in the first place but felt pushed into it by the company. I am really considering bankruptcy and just want a little help please. i have a list of all the living expenses i was allowed…
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BR and Sickness
Hi Only got a few weeks to AD, But have been ill recently , pay NO IPA and am unemployed (on JSA) may have to go sick (understand can take 2 weeks while on JSA without a Dr's note of course any longer would require a note) however , i digress! if i had to go to dr's he has already said i should really go to hospital for…
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Help needed - creditor of potential bankrupt
Hi, I own (recently inherited) the freehold of a shop and the flat above. The flat owner (leaseholder) has not paid ground rent, insurance costs or their share of the maintenance bill for several years. The relative I inherited from was in the process of sueing them and had just agreed a settlement (but not received the…
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Post Bankruptcy Bank Account
Sorry if this has been asked before, have searched but if anyone has a link ... I have just had my bankruptcy removed from my credit record after 6 long years. (they do pass - it just feels like they won't :D ) Anyway, I now want to apply for a business bank account - I'm pretty sure the form asks 'have you ever been…
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salary increase and settling an IPA??
Hi all, i am currently due for bankruptcy discharge in June (not long now!!) but stuck in an IPA until August 2013. However, i am due to start a new job in 5 weeks where the salary is a considerable increase (double my current) that will give me much more 'spare cash'. basically i will be working on and off out of the…
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trust deed over now getting divorced what about house
Hi there, I don't know if this is where I should be posting but here goes. I finished my 3yr trust deed this month. Then, my husband told me he wants a divorce and has moved out. We both have mortgage on propertyof £80000 and secured loan of £38000. the house is worth about £135000. I can't get another mortgage becuse of…
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A new SOA for myself
Hi guys, I'm so sorry about this, but I'd like to do an SOA for myself, can advise if there's anything else I could claim? This is just my expenses each month... Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... Number…
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Barclays Basic Account - debit card question
Hi Just like to know... Can the debit card issued with a Barclays Basic Account be used to withdraw cash at ALL cash machines - or just Barclays cash machines only? Many thanks :)
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Natwest First Reserve
Hi everyone... Natwest offer a savings account which requires NO CREDIT CHECK. It is called a FIRST RESERVE ACCOUNT and comes with a debit card and internet banking. It can therefore be used as a current account for those who do not require Direct Debits. I was recently discharged from BR and my application for a Step…
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bank managers
remember in the 80's our local manager at the midland used to take myself and a couple other local businessmen out to lunch on the last friday of every month. Obviously things have changed since then with the advent of credit reference agencies and the click of a computer, but does anybody know of situations where managers…
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SOA for review please :)
Hi guys, Can you give me some ideas about my SOA please... wasn't sure what info should be on here so here is all of it. I'm not sure of the apr's for the cards so left it all blank. Can you let me know if my monthly budgets are what you would expect to see. It's scary when I see it like this :( Statement of Affairs and…
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new bankrupt man, advise needed
Hi ya, new on here so please excuse if this has been asked many times. I officially went bank ruft 5/4/2011 voluntarily. I have been married for the last 17 years now and now seperated and going through divorse due to my wife wanting to live it up and get !!!!ed every night. All through our marrage she was dangerous with…
