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going br asap
hi just thought i let you know that i have been extremely lucky and i now have the fees. will be finding out what to do tomorrow. if anyone can point my in the direction of what i do next id be very grateful. also i thought you could download the forms but i can only find 2 and thought they were really long but these dont…
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prepaid card help
Hi. I have some prepaid cards,but am thinking of bankrupcy. Would I have to tell the OR about them would they be frozen because they are what I pay my bills with
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OR Invited me for interview
To cut a long story short i went bankrupt last November i has some money which was in an account in my name which belonged to someone else. The person concerned has confirmed this with the OR and sent in the evidence. I also spent quite a bit on my credit cards leading up to my bankruptcy. Stupid dont tell me but i was in…
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The Best Way Forwards....?
Hi I'm a newbie on this forum - so hi everyone. We're really stuck and could do with some pearls of wisdom. But first some bg... My husband has recently taken an £18k pay drop due to redundancy and a subsequent move to a new permanent part time post. My salary continues at £33k pa. We are currently paying out £350 - £500…
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Tax Credit Overpayment
Hi All, I have tax credit overpayment dating back to the tax year 2008/2009. I went BR in Feb 2010 and AD in Feb 2011. Can I include this overpayment in my BR? If so how would I go about achieving this, should I write the tax credit people or go through the OR office or something else? All help is greatly appreciated
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please can someone offer advice on the best way forward
I am considering bankruptcy but want to make sure this is the best way forward. I have been in touch with cccs but different options came up after we had gone through everything. I have tried to upload my soa but as I'm using my mobile I'm having difficulty getting it to past onto here. I am currently a single mum with 4…
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Bankrupt friendly home insurers
For anyone not following my other thread on insurance, insurers often charge a premium for bankrupts even following a discharge. They often include a question asking if you, or anyone living at your house, has ever been bankrupt. Failure to declare this information could invalidate the policy. If you have recently had an…
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Employing my wifes neice
i made myself bankrupt in dec 2010 and we want to get my wifes niece from the Philippines to look after my disabled daughter is it possible
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Urgh - mess up by Equifax? on credit clean up
As the title says, I think that Equifax have made the mistake not the creditor. I had a letter from Next confirming that they would be updating my credit files and all the dates in it were spot on and correct. Had an alert email from Equifax so went to have a look and instead of showing settled as 29/06/2010 they have…
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Finishing IPA
Hi guys I'm about 6 months away from my last IPA payment yayyy :j The RTLU have been dealing with my case for the last year or so, and ive been making the payments by direct debit. tbh the anxiety has gone and i've been dealing with it. Just wondering what happens after i make my last payment...is that it? or do i get sent…
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upgrading Barclays account after dischaged?
Hi,Discharged about a month ago and had a Barclays basic account through BR. Just wondering if anyone has upgraded their account so soon after BR?. Don't want any overdraft's just a cheque book would be nice!:beer:
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Van on hire purchase
Hi, My husband, who was a sole trader, has had to close his business and is personally facing bankruptcy for the business debts. We have not contacted the Court to proceed with the bankruptcy as we need to raise the fees (he's now out of work and not entitled to any benefits) and hopefully find a more suitable place to…
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Inheritance and early discharge
Hi all, I need some advice please. I was declared bankrupt on 9th March 2010, and received an early discharge on 27th September 2010. My Grandad sadly died on 27th Feb, 2011. I have inherited 'half' of the value of the house that he lived in, the other half being inherited by my parents. I have 3 questions: 1. As I…
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loans for discharged bankrupt?
hi guys i was discharged march 2011 im desperate to know how and where i can get hold of a loan for £2000 so i can do a crane course then gain some employment. i know this is a tall order. but i need some advice please. thanks guys.
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1st credit finance ltd/first credit appalling behaviour Help Needed Fast
:mad: Hi everyone was wanting some urgent advice, in MAY 2006 OH received a document from the land registry stating that an application had been lodged by *************** on behalf of 1st Credit Ltd, we had been customers of the company they stated for a few years before 2002 and had all payments taken by direct debit from…
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Bankruptcy forms
Hi All, Can anyone tell me where I can download the Bankruptcy forms from? Thanks
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OR and speaking to landlord
Does the OR always speak to the landlord when someone is br? My date is next week and I don't know whether to let the landlord know before I do it?
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Pay details on BR form - Help
Hello, My court date is next week but I need some help about pay on the form. I've been working on a big project at work for at least a year and been getting overtime. The project ended about 6 weeks ago and this month will be the first month I don't get overtime. Now I don't want to put on the forms what I've been getting…
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Court date on Tuesday - Bank account help
Hello, My court date is on Monday and I'm just worried about so many things. What I'm most concerned about is my pay going into my account and being able to pay my bills. Would it be an issue with the court or OR if I had this months pay paid into my housemates account? I want to make sure I can pay my half of the bills on…
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Change in Circumstances and Income
My partner will be moving into my house in a few weeks time, therefore my outgoings and income will be changing. Who do I contact regarding Income and Expenditure? Is the OR, RTLU (who I have been advised will soon be responsible for my affairs), or Moonbeever? Also, regarding the form, do I include my parners financial…
