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my story
Hi everyone just wanted to give you all a insight into what debt has cost me, i have been in debt since i was 18 spending beyond my means but making the repayments then it started getting out of hand so then i got a loan to consolidate my debts but then fell in the trap, started spending on my credit cards again and making…
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Early discharge!
Thought i'd give a quick update. Husband and I went bankrupt on Nov 25th, he got ED forms through in Feb and he got a letter yesterday saying he was discharged from 25th May :beer: So his Br lasted for exactly 6 months. I filled out out my early discharge papers about a month after H (around March) so i'm hoping i'll get…
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Looking for support and advice not judgement here
Hi I have come to a real low point with money and can't live like this anymore. I am 39 (later this month) and since my first pay check and my (well off sister) saying just use your check book at the end of the month as by the time your check clears your money will be in I have had a shocking (and that is putting it…
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VAT becoming due after discharge from bankruptcy
I'd be very grateful if someone could help out with this. I made myself personally bankrupt in early 2009 due to debts and I was discharged in 2010. When I went bankrupt I was the director of my own company and it owed £2000 in VAT. I informed the HMRC VAT office by letter as soon as I went bankrupt, I de-registered for…
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Make me claim Job seekers allowance?
Morning everyone, I am currently a stay at home mum and will be declaring BR along with my husband this month. I was working up until March and have been looking for work. I don't claim JSA - can the OR ask me to? I am suffering badly with depression and the thought of attending a Job Centre pushes me over the edge at the…
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housekeeping
hi everyone im in the process of filling out an soa for my discharge please can you tell me how much i should put down for housekeeping,i have a family of 4 and 2 dependant children thank you
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Tax credit advice
My partner of 5 years is wanting a trial separation for 6 months, to be honest I think he just wants out! We have a joint mortgage and he pays for all the mortgage and the majority of the bills. I pay for shopping, nursery fees and all the usual day to day things. He's agreed to continue paying for the mortgage etc when he…
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Creditor not included
By mistake I missed off two creditors from my SOA. I have been discharged for a couple of years now & am in the process of cleaning up my credit files. I know that all unsecured debts are automatically included in BR but these two creditors are asking for proof that they were included. Does anyone have a link to the exact…
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Bankrupt and dealing with the money shop
Hi Guys, I had quite a few payday loans, credit cards and general debt, i declared myself bankrupt in May 2011. I have had letters from the payday loan companies who i have now spoken to and advised that i am bankrupt. However, before i went bankrupt i used my husbands card (with his permission) to extend a loan i had with…
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Power of attorney and bankruptcy
I have power of attorney for my mum,is it possible to file for bankruptcy on her behalf.I am a discharged BR.I have filed for power of attorney along with my sister after my mum was ill.
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Telling Armed Forces Im Bankrupt
Hoping someone can point me in the right direction or may have experience on this themselves. Ive served in the Royal Navy for 10 years this year. 2 years ago me and my wife went bankrupt together. It was a big choice but we took lots of advice, and in all honesty it was such a relief once complete. I never told the RN…
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Living with OHs Bunkruptcy
OH bunkruptcy dealt with in 2005, March I think. He managed to get a bank account with Natwest AND an ISA with Santander. The rent ALWAYS goes out of his account and he's had an interest free overdraft since opening account with Natwest. However, when he applied to get his 30day, £10, sim deal with Tesco, they wouldn't…
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Had visit from mortgage company
Went bankrupt in January and we had already left our house and moved into rented as moved away for a job. Mortgage company are repossessing the house and they visited, unexpectedly, today. They were determined that we were going to sign a form that at the end (in VERY small writing) said we would be responsible for the…
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Rebuilding credit score
Hi i went bankrupt in october 2006, discharged in march 07. Since then i have worked extremely hard to rebuild my credit score. I have a capital one visa, that i pay off each time a balance is on. I am with the halifax bank, not sure why but back in 06 accepted me as a b/r. I have always stayed in credit etc, got an isa(…
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Bankruptcy and Council Tax
I was previously made bankrupt and my investment properties were included in the bankruptcy order. All of the properties were subsequently subject to a repossession order and were repossessed - as shown by the fact that they were all up for sale and one sold very quickly. Several months after discharge, 2 councils…
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Discharged bankrupt 2009 still cant get bank a/c
Hi , I was discharged from bankruptcy in 2009 and I have had a cashminder a/c with the co operative bank there since and there has been no problems I am managing life normally since 2009 but when I phoned and asked if I could have a normal a/c or one to be able to save with interest I was told no , that I am still showing…
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IPA Questions
Hi, I have had the OR's interview How long, roughly, does it take before the IPA is sorted out? (days/weeks/months?) More importantly, when the IPA is agreed, is it backdated to the date of BR or does it start from the IPA agreement date? i.e. Do you need to be prepared to include a back payment in the first IPA payment?…
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Newbie - going BR on the 14/06, need help with form 6.28
Hello there, I've taken the plunge and I've booked my court date for my bankruptcy... I'm officially scared right now. I have a few questions about the form 6.28: Question 6.7 asks how much other members of my household contribute to monthly household expenses. Now I house share with a friend (who knows I'm going bankrupt…
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Priority Debt Question
Some advice please? If you have, say 6 creditors, and you stop paying them all in January. Only one creditor has arrears. (a family member) For the next ten months you try to work out what to do and during that time you pay off 5 months of arrears with the one creditor but make no normal payments to any of them. You go BR…
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Looking into BR, but starting Uni in Sept. ??Student Loan??
Hi All My first post here. I am a mature student who due to separation form my husband means I can no longer afford debt repayments. I have been through CCCS and have a DMP set up, BUT my Gas/Elec has just gone up and there is now a failed gym membership to add to list of creditors (was on my outgoing sheet, but one missed…
