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is going bankrupt possible?
Hi just wondered if anyone would know the answer to my question or maybe able to help. I have alot of debt in my name alone and i am currently out of work. Cannot afford the childcare to go back to work at the moment. Most of the debt i have was before i met my husband so its only in my name. Is it possible for me to go…
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Mobile phone
If the OR agrees you can pay for a mobile phone are you allowed a contract pay monthly account or must it be PAYG? Thanks
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app 12th july
I have my or app its the 12th july. she said telephone one but ive opted for a face to face one as i recken ill be able to get myself accross better. today i totally fell apart though and just keep crying, what a mess :(
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Hmrc vat - bankruptcy threat
Hi. i desperately need help. In May 2010 HMRC wrote to me to let me know i had paid £2100 too much vat and they would refund it to me. I rang them and queried it as i thought it would come back to haunt me. They said on the phone no you definiately have paid too much. silly me went and spent it on paying off business loans…
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Help for a friend please? Reg Bankruptcy
Hi Guys, Can anyone please help? My friend has recently split with her husband. She has no income and has had to move back to her mums. She has no mortgage as they used to rent but all the debts that they accumulated were solely in her name. Personally I think this was planned by her ex all along, but that's just my…
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housing/council tax benefit - income or not?
Hi all, In the light of day I am going back over my forms that I have ready for my bankruptcy appointment next week. There is only one issue that i remain unsure of now. Me and my wife are in receipt of housing benefit and council tax benefit. This does not go through us but is paid direct to our landlord and local council…
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Please help re. Negative Equity!
Hi I am new to the forum and am having a few problems I was hoping someone could offer me helpful advice. Me and my husband bought our first house in Northern Ireland at the very height of the property boom (literally just before it crashed!). We were able to get an interest only mortgage through the bank and did not have…
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Advice Needed!
First time poster so a bit scared! :eek: My other half has his own business, trades as a sole trader so is therefore personally liable for any debts. The past couple of years have been really difficult for the business as he is now in the position os struggling to meet payments relating to the business ie rent, rates,…
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IPA's and NT tax
Hello I went BR at the beginning of May this year and have a query about NT tax and IPA if anyone can help me? When I had my OR interview at the end of May, she didn't set up an IPA as I am going on Maternity leave in August and she said it would take a few months to set up and I could do with the extra money to buy baby…
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Does The OR Have To Contact Your Landlord?...Maybe Not…
I’ve seen lots of posts from people who are very concerned about their landlord knowing about their bankruptcy. Because there’s often a “bankruptcy clause” in tenancy agreements which could allow landlords to evict bankrupts. It’s a standard clause and fortunately I’ve seen posters say – they had no problems – the…
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Br questions
Hi everyone *I am filling Br form becuase of illness and job dismissal,do i have to provide any form/letter from hospital or psychiatrist ,or just mention it in the Br form that i,ve been ill since last year. **is there any time specified during which OR dont look further back in the past bank statments to check to see…
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Bank account
I have an old current account with barclays, I don't owe any money to them so I went into the branch and cancelled the od on the account and the cheque book etc and applied for a basic cash card so I can have my wages paid in after br. The card they have sent me is a visa debit, will I be on with this or should I return it…
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contacted by creditor 7 months in....
had a phone call from Nat West regarding "my account". last month we filled out our soa for posible early discharge and my BR has been moved to RTLU. Nat West claimed they new nothing of my BR and had to check on the register and then informed me to make sure the OR contacted them (errrrr no mate, thats up to you now)…
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just filled in bankruptcy forms (my brain hurts!)
I have just spent 5 hours today at the Citizens Advice Bureaux and a couple more hours at home filling out the bankruptcy paperwork. I think i am there now with the forms, but I am now unsure what step to take next and what (if anything) I need to take along with me as evidence of everything stated on the forms. Also do i…
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Payday loan!
Hi there again, we r waiting to go bankrupt and I am not sure what to do with the payday loan we have. The original loan was borrowed some time ago! But we r in a catch 22 with it, so if we repay it are we showing a creditor favouritism ? Do we just leave it unpaid and allow it to go into the bankruptcy?Just not quite sure…
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One month to go
And I can honestly say that the past 11 months ... well, 10* ... have been the least stressful financially of my whole life. I've managed each month - even recently when I've gone down to 50% salary (just meant I have to pray the car doesn't break and cut back on food a bit!), I now live within my means and I can't…
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Time Scale
What's the time scale from submitting papers to the court for getting declared br? Is it weeks or months? Thanks
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Just spoken to landlord, how on earth am I going to cope at court
Well on the advice from Citizens advice last week I took the oppertunity to speak to my landlady about going bankrupt. She had some mail delivered this morning so when she turned up un-anounced to collect it about half hour ago, I thought I may not get another chance to speak to her. Anyway I said I was going bankrupt etc…
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electric and water?
hi does anyone know what i do about my electric and water arrears. those 3 bills come straight out of my benefit and as i used to pay some towards the arrears im not sure what to do now? do i contact dwp and tell them i dont want it coming out of my benefit or should i wait until after the or interview and ask them. thanks…
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support?
hi would anyone whos been through the or interview mind offering some support? i had is office phone me today about making a app for or and i fell apart and was in a state for 2hrs. thankyou v much