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Can you rent privately with a DRO?
My DRO is over a year old now. I live at home. I saw a private rented place that i liked. However when i said i had a DRO to the sum of £6k though now i have recounted its just over £3500 they couldnt get me out of the office quick enough. I have a guarantor but still didnt want to know. The landlord accepted dss for this…
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Possession hearing despite voluntary surrender!
my husband and I are going BR in early July, I have already posted our SOA and had some really helpful responses, we gave voluntary possession of our property in may, we have secured privately rented accommodation and I think we were lucky to find a private landlord who was very understanding and we have informed him of…
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Sim only deal hope
Hello I've been discharge since Nov 10, i've not started my credit file clean up, I've moved 3 times since BR and changed my name and I've been Accepted for a sim only 30 day rolling contract deal on Orange £10 per month 100 mins, 3000 text then a bolt on for £5 for 500mb of internet then in 3 months if i pay i should be…
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Help with an expenditure form and DRO?
Hi, not sure if this is the right section but I am thinking about going for an DRO, my partner is earning 17500 a year, we get child tax credits and rent help and have 3 children, would I be eligible. Also could someone please tell me what I can right down on an expenditure form and the maximum amounts that I would be…
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BR in May, new job in Sept
So yeah, I'll be starting a new job in September and I'm thinking about an IPA. I haven't done an SOA yet but I reckon I'll have a minimum of £500 surplus after expenses (which I know they take all of now) Rather than give this up to the OR, I'd rather move out of my current room and rent a flat. My thinking is, if I can't…
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Nbt2 form
Hi there Could really do with some advice and reassurance. I was declared br in early April and since then I have received notification from the OR that he has placed a charge over my home (jointly owned by myself and my-ex). My ex-husband decided also to go bankrupt recently and just two weeks later he received an info…
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NHS Pension
Am I still allowed to make my basic contributions to my NHS pension while going BR? or will they want this money for the IPA? Thanks
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SOA Advice
Below is an SOA ive worked out for my ex wife, she is single mum with 2 children, can someone in the know give it a look over and let me know if it seems ok? Rent.............................................. 600 Council tax.................................... 100 Electricity/gas............................... 70 Water…
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Advice ...lost in the system
Hi i would really appreciate some advice as we are quite worried. My OH went bankrupt in June 09 and makes monthly payment as set by OR until Nov 12, his circumstances didnt change until Jan this year when he changed jobs. Financially there isnt any difference just needed a bit more security (if possible). Since then we…
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Court order for house sale - help!
I’m posting on here in the hope that any legal people can advise me on the following matter. About 6 years ago I got made redundant and got into arrears with several credit cards. With the exception of one I’m now paying back my creditors on a monthly basis. The other credit card debt was eventually sold to a debt…
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Any advice?
Hi All; I just don't know what to do at the moment so I thought I would post here. I have been looking into bankruptcy over the last week and there is so much conflicting information. Anyone have any suggestions as to what I should use to "filter" all the junk out there? I need to file but not sure who with, what the…
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Buying a car before going BR
Hello, Some info:). I have been an occasional poster for the last 12 months and will be going BR with my DH eventually........ We have just sold our house through our lenders 'assisted voluntary sale' scheme, and are moving into a rental house in 2 weeks time:D. There will be a mortgage shortfall but at the moment that…
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SOA for dro & questions
Hi I posted the other day about going bankrupt and after talking with my partner we are now thinking that it may be best for him to do a dro as well. We do have more than £50 a month left over but we don't have enough to pay the full amounts to his debts either so seen as though I am definatly going to be going bankrupt we…
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worrying returns
hi i know ive not always been the best for understanding, i apologise as i know when my illness is bad i can be horrible, im wondering though if people could see to give a bit of support. on monday at 10am i go to the court. although this isnt the bit im dreading the most ,iam starting to get scared. i dont have family…
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SOA......Advice please?
Hi, have followed the advice from the previous questions I asked and this is my SOA for my bankruptcy....any advice appreciated. Thanks Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars…
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Financial Association - made a mistake!
I'm not sure if I've posted this in the right area, but hopefully someone can help me. My father was guarantor for a hire purchase agreement for me in May 2004, and the agreement was settled in March 2006. My BR went through in August 2010, and I have no further association financially with anyone else. Is there any way I…
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Would it help?
There are lots of posts on this forum about whether something will get you in trouble, like a holiday just before you go bankrupt or listing your wedding ring. Would it be useful to put in one place the big no-nos: the bankruptcy offences and what sorts of things result in people actually being prosecuted for them? Or…
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BR Repo
Is there any guide as to what they will take as far as possessions go, if you go br? does it have to have a minimum value? or can they take what they want? electrical goods, furniture etc?
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Passed on secured loan
I have recently been made bankrupt. I had a secured loan with HSCB which has been sold on to Allied International. Will this mean it is no longer secured, as it was secured against my house with HSBC. If so can this now be put against my bankrupcy as a non secured loan now?I had already put the details of this in my…
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Please help...
Quick synopsis. Messy divorce 4.5 years ago ended with house being re-possessed. Two mortgages on it. 1st one paid off in full by sale. 2nd one (Endeavour Personal Finance) left a debt of £47,000. I need to be honest and say i have been ignoring it (head in sand). Restons Solicitors have written saying they want a payment…
