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SOA change while discharged
Hello, Have only just managed to join up on MSN.com after being a "lurker" and it's been very helpful for advice. I was automatically discharged from bankruptcy in October 2010, and I have now just received a small payrise in my salary. I called Moonbeever who are dealing with me and they are sending me a form regarding my…
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Help with form 6.28
Hello, I have some questions regarding the form, can someone please help me with the answers? 3.2 - I get life cover as a perk with work, does this need to go on the form? 3.5 - I haven't given away or sold a property but I have had one repossessed, does this need to go here? 3.7 - I gave a car back to the finance company…
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SOA on forms - help please
Hi there, I'm filling out my forms today for my appointment next week. Now on the soa do I fill out what I spend now or just what is allowed? I'll probably have quite a bit of spare cash, will the or take every last penny or be a little lenient with me? I'm so scared about the or, still not sleeping and have a constant…
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Post BR - limitations on rent?
First post here but have been reading for a while now, so much better than surfing the 'tinternet and finding all sorts of misleading info! Basically, I'm about to petition for my BR. At the same time I am in the process of sorting out a voluntary repossesion of my house (for various reasons). I've been commuting to work…
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The Ex
My ex wife is a bit like the final scenes of a horror movie. You think everythings fine, the zombie/vampire/werewolf's been dispatched and the teens are driving along happily listening to cheesy pop. Then BANG!!! the zombie/vampire/werewolf's hand appears from the back seat. Que a fright and a sequal. The thing is, I went…
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Help!!
Hi, We have gotten ourselves in a huge financial pickle over the last few years... It has come to a head now and we are faced with reposession of our house :( We can just afford to pay the mortgage and secured loan but it totals over £1500 and we only now earn £2000 a month..Its only a 2 bed flat and we have 2 small…
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bankruptcy and self employment
Hi guys just a quick one, I am currently saving up to for bankruptcy and i will finally have the funds together by the end of the month to proceed. I am also unemployed and am looking for work. A really good job has come up that I think I can do:j:j but it`s on a self employed basis so Im not sure if I can apply for it or…
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A big thank you to citslicker
Got to say a big thank you to CS, I have just filled my car up at the pay at the pump at ASDA, using my coop cashminder visa debit. Thanks for all your work on this matter CS, much appreciated:T:T:T
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When to start credit clean up
I got ED on 4th may. I would like to do the credit file clean up, not because I want to get more credit because the thought of that scares me. Its more that I would like to tidy up any loose ends as it were. when is the best time to start to do this? Do I need to wait untill the date I would have got Ad or can I start it…
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Can I save after bankruptcy?
Hi All, I was discharged in July 2009 and wondered if I can start saving again? I thought I had to still inform OR/Moonbeever of any pay increases/decreases for the duration of my IPA, but another website I saw said you can start saving once discharged and I'm a bit confuddled! Any advice would be gratefully received, and…
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STILL waiting!!!!
Sorry it's been so long since my last visit on here- work has been manic over the last few weeks! We are still waiting to see if our cases are going to be passed on to an IP. When I spoke to the OR office today, she said they had several IP's that were potentially going to become trustees. They are waiting to see if at…
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Asked To Complete A Self Assessment Tax Form-No Idea Why & Very Confussed
Good Evening All I was declared BR in November 2009. I received a letter from the Tax Office in March 2010 saying I would be on a NR tax code from April 1st-April 5th 2010! Although I told my employers this tax code was never implemented for the 5 days. I subsequently moved jobs in May 2010 and my AD date came and went…
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BR discharged over a year now, tidying credit report, credit score questions
Hello all. Am just posting this to tell you bankrupts to clean up your reports and make sure that all your accounts are showing as satisfied. I have now completed this exercise with Experian and Callcredit which has taken about 6 months and am about to embark on checking Equifax to check all is 'satisfied' there. I know…
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Can't pick up the phone...make the first steps!
Hello, I've been lurking here for a while and found some excellent information, advice and also some courage to face my situation. My husband and I are in allot of debt (over 50k) and we have been just about managing since he was made redundant in 2009. We have now reached realisation stage that we can't manage any longer…
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My SOA
Please check over my SOA any feedback/advice greatly appreciated. My partner does not work at the moment and I earn too much to get any tax credits etc so it is just my income. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in…
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Shared Ownership - problems getting mortgage with ex BR partner
Hi All, Crying out for any help or advice. My partner and I privately rent, we had intentions of buying the property but the landlord has now made it clear he doesnt want to sell so we decided to stop spending 'dead' money and wanted to buy. My partner was discharged from BR in Feb this year. We have found a perfect house…
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what happens when married but separate bankruptcy
hi all both myself and hubby are contemplating, heavily, going bankrupt. we have been to CAB and the guy advised that would be our best route. we have the petition form and statement of affairs form. we have checked the value of our home and selling it would not even pay off the mortgage we have. i am confused how the…
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Bankrupt and need business insurance
Hello everyone, I was declared bankrupt back in January and boy is it a relief not to have all those phone calls 10 times a day :dance:. I am now getting back on top of things - it takes a while - but I am having a problem... I am having trouble getting business insurance for my business. Can anyone recommend a good…
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D-Day
Hi All, I finally plucked up the courage and will be calling the court this week to arrange my bankruptcy date. I know its been asked a thousand times on here but does anybody have any basic advice? I hardly have any fingernails left :) I'm worried moreso about the immediate future rather than the actual day. How difficult…
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Question about a partner going bankrupt?
In March I bought a house entirely with my own deposit and entirely in my own name, I have a girlfriend who may go down the bankruptcy route, I am interested to know if her situation could affect the house I originally would of thought not, but for say 3-4 months she has been giving me half towards mortgage / bills. I here…
