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Bankruptcy in Scotland
Hopefully someone can help me as I'm starting to panic about what will happen. I was declared bankrupt last year, and i'm now a few weeks off being discharged. At the time of my BR being awarded, I was unemployed but started working again shortly afterwards. I emailed AiB to inform them but didn't hear anything back. I…
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bankruptcy official reciever still not contacted me
Hello all first time posting, took the giant leap on tuesday the 31st of may the lady at the court said the or would call me either later that day or wendsday, still not heard anything a bit worried that there is a problem or is it normal not to hear anything thankyou in advance.
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CCJ and Pension
My dad has been issued with a CCJ and wants to know if this will affect his pension. Sorry if I've posted in the wrong place!
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Bank Accounts
Hi everyone, hope you are all well. I just wanted to ask if anyone has any advice about bank accounts. How long is it after BR that you may be considered for a bank account at a mainstream bank such as Nat West, yorkshire etc. I do want to keep my co-op account but I think that I have to start thinking about the future a…
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Received a "claim form" form a court
Hi All, Quick question, I have decided, with advice from National Debtline and an independant advisor, that BR is the right way forward for me. I am currently saving for the fees, I have extra work lined up over the next couple of months so my plan is to do the deed in August. I have today received a "Claim Form" from a…
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Fraud/ bankrupcy
This might be the wrong place to ask this but even if there is no specific answer, any opinions would be appreciated. A point to note is that this happened in Australia, but their legal system is very similar if not the same as ours.- The daughter of my friend sold her house with the intention of building their own home.…
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Keep informing the OR-for how long?
After discharge how long am I obliged to inform the OR of changes to my telephone number and/or address? Iam not subject to an IPA, have no property etc.,
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Bankruptcy papers logged at the court
I cannot believe I have managed to get through today with very few tears. It all seems very strange. I have been given my date to go to court and all I can do now is wait. I have cancelled my direct debits and need to set up a new bank account. The nearest branches of Barclays & Cooperative are about an hour's drive away.…
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Discharged Bankrupt-Selling Travel Insurance
Hiya Apologies if this is in the wrong place and I am posting for my brother, who needs a bit of advice please... I’m about to start work with a travel agent and due to begin my 3 weeks training next week. In my contract that I’ve been sent, I have a copy of a FSA Declaration Form to complete as part of the job is selling…
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moorcroft
hi everyone not been on for a while hows everyone doing ok heres my question i went bankrupt on jan 2011 god 5 months already well my trustee sent me a letter informing me that they were goig to contact creditors about my br. since then moorcroft have sent letters out threatning this and that i phoned them up and told them…
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Dro and bankruptcy help
My sister owes just over 11k, she had an appointment at the cab today and they said that she has 200 a month spare for debts. This is wrong as she is a single mum now to 3 kids since her husband left. Just wondering what the best option for her is. She is currently receiving income support and child tax credits. Thank you…
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Bankruptcy when on JSA
I have around £15k worth of debt incurred when I was living in another EU country. I have been unemployed for several months and am receiving JSA and housing & council tax benefits. I have been doing around 12-15 hours of paid freelance work per month recently which I declare when I sign-on and my JSA is (downwardly)…
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Urgent advice needed regarding Holiday Mortgage Payment
Hi, I am sorry if I write this in the wrong place! Not sure where to put it really? I wrote this in the mortgage part of the forum and was advised to repost it here! My husband is just going bankrupt, as is his business. I was employed by him, but of course lost my work last month! We are on top of this separating; I think…
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Payment to much for IPA
Hi, I've been paying £286 on my IPA since 1st December last year and I am struggling with the amount I'm paying. I have requested from moonbeever for a new form to put down my outgoings etc. Does anybody have guidelines at what can be put on the form and the maximum you can put for each one?
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Property ownership / Tennants
Hi, me again, hope you all can help? I am a month into my BR and have had my OR interview. Everything is going as well as expected :D , how ever this is my question. I own a property that I no longer live in and it is in negative equity, I have three tenants who rent the rooms (they have tenancy agreements). They have no…
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365 Days To Go.
Well, I would like to say a huge thank you to all the people who have offered advice and support leading up to yesterday. Sadly my wife and I were declared bankrupt, however, I feel it is a pivotal point in our life. Yesterday I was very nervous going to court but everyone was very kind and we were out within 40mins after…
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Partial settlements vs. Debt Relief Order
Dear all, My other half has managed to rack up a large amount of debt that she is seemingly unable to afford to repay. She has left her job to study for her degree and so now lives on a very small bursary income (£330pm) plus a few part-time shifts as and when she can. Her debts come in at just under £15,000 and I believe…
