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I really need some advice please!
I really hope someone can give me some guidance, I appreciate you can't "tell" me what to do but just some information would be really useful. Apologies for the long post but I wanted to clarify the whole situation. Situation is this, some time ago a family member "loaned" me 20k, there was no end date on this debt and the…
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PICTURE this ...
Hi All, My first ever post, so go easy on me please J A little history. Husband and I managed to get ourselves into quite a lot of financial trouble a few years also. We had joint debt of a Mortgage £153,000 and a Picture Loan secured against the house of £70,900. I had unsecured personal debt of £25,000 and Husband had…
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SOA Advice
(Just posted this on the wrong forum... try again!) Big thanks to everyone for their advise so far on my various posts. Just wondered if anyone could have a quick look at my SOA Am I right in thinking that as we have £68 surplus a month this would be used for an IPA? Not sure I understand that part of it..... many thanks…
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brace yourselves! - BR in Scotland
Right, how about this one... Split up with my ex over a year ago, we had approx £19k of bank debt(overdrafts and a loan) and owned a property. She moved home(60 miles away) and refused to pay towards anything and obviously didn't pass on her address to our creditors. I carried on for a few months on payment arrangements…
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Bankrupt bank accounts.
Hello, My partner has 8/9 months left of his bankrupcy and is having a hard time getting a bank account. I had read that the Co-op and Barclays offer basic accounts and as Barclays is local told him to apply for the cash card account. Having input his details the 'system' would go no further so he is waiting for a call to…
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Just thinking out loud....
Just thinking out loud but if OH is not given an IPA but should get a higher paid job within the first year of BR is he then asked to pay an IPA? and any idea how long the payments would continue for? Also is there anyway of saving any money during the BR or does every single pound extra earned have to be declared to the…
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Does my brother hand his flat back and make himself bankrupt?
Hi :) Really hoping I can get some advice to pass on to my kid bro. He's not the most proactive person in the world, hence me trying to help out and nudge him along. Long story short, he's got himself (well, him and his ex partner) into a financial nightmare. He bought a flat at the peak of property prices, got a 110%…
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PPI refund while in IVA
Hi all - please help! A bit long winded but please bear with me!! Back in 2004 I took out a secured loan on my home. I made only 7 payments on the loan then I remortgaged to pay it off in full. As the loan had a single premium PPI this was paid in full too - £13k of PPI. Since then I have been trying to claim this back! In…
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"Oh No!!" I can not believe what I've done.
More than 2 years after filing for br and opening my cashminder account with the co-op I got my sums wrong. So I am now on strike 1 following insufficient funds in my account for a direct debit. How could I have been so careless and stupid :eek::eek:. I am so bloody mad with myself :mad::mad:. To top it all off the direct…
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The july 2011 br club
Hi everyone, welcome to the July 2011 Bankruptcy Club. This club is for everyone who has gone through the process of Bankruptcy during July 2011. So please feel free to join and post. Pop your name on here, the date that you went Bankrupt and the stage that you are at now in your Bankruptcy. And then just keep everyone in…
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Halifax Card services..
Hello all, once more I am in need of your collective advice. I received two letters this week, one like so many others from Evesheds saying that my BR debt had been sold, I have seen the advice here in the forum on that one so thanks. The other from Halifax Card Services demanding immediate payment of the outstanding debt…
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Bankruptcy and the aftermath!
Good morning everyone. Has anyone experienced any real "difficulties" or embarresment during their BR year, such as having their name in the paper or being continuously refused a home to rent etc? I read so many happy endings on here which is really encouraging but I just wondered if anyone had experienced situations in…
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Bankruptcy from Abroad
I've been discussing this with an official at bankruptcy from abroad website and he believes that going bankrupt is the better option for me as I'd be debt free in 12 months where as an IVA would be 5 years of payment etc plus I'm not living in the UK so would'nt be that noticeable. He also said to me that as I'm living in…
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O.R. Interview
Going br next month, however, I have no land line and no mobile. What will happen? My o.r. will be some 25 miles away and I have no transport. Thank you for helping.
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Bankruptcy - Questions?
Hello, I am thinking of going bankrupt this year as soon as I have saved up enough money. I am currently unemployed with two young children. My partner works full time. We jointly recieve Child Tax Credits and I receive Child Benefit. I have no other income of my own.When I apply for bankruptcy I am wondering what I am…
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How do I prove I am discharged?
I was discharged from bankruptcy around 2003, and thought no more of it. Now my bank is asking for proof, but I can't even remember the court - we never had to attend a hearing. We didn't even see a solicitor (he had a broken leg so it was all done over the phone or by letter). The bankruptcy was a result of being unable…
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OR wants to take partner's property!
I had an interview with the OR today and they want me to prove I have no interest in the property. It's all in my husband's name, and I signed a deed of exclusion 10 years ago. The solicitor no longer has the deed I signed, so what can I do to prove I have no interest in the property?
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few questions, please
hi a few questions if you dont mind 1. i have a debt with southern electric,i pay it off with my dd direct from my benefit. i want to try and not get put on key meter. would it be ok to ring southern elec and ask them or is that a bad idea? also do i contact dwp because after my br i dont really want to be paying southern…
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Bankruptcy Enquiry... GULP!!!
I've got an old cc debt that's chased me to the point of a bankruptcy enquiry, but i have some money and want to buy them off. It's for 4,300, but i've only got 1,500. Any advice? I own 2 properties... no equity. just lost my job. 1 dependent.
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Can someone tell me how long before
Hi there - Can someone tell me please how long it usually takes to make an appointment with the OR to hand in the petition of BR? We are sending off "stalling" letters to our creditors this week to buy some time to fill out forms and get money together but before we approach the OR just wondered how long we may have to…
