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Got my Court date
Hi All, I finally called the court today and booked myself in for the 8th July. Now that I have a set date i'm more nervous than I already was! I have one thing that is really stressing me though and need some advice. A couple of months ago I got myself into a desperate situation and had a payday loan ( idiotic of me I…
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Discharged with car problems
Hi everyone, it has been a long time since I posted on here, I hope everyone is well. My husband and I were declared BR in January 2009, and discharged a year later. As I understand it, we have 6 years of bad credit rating from the date we were declared BR. We have since had a son, which has increased the need for our car.…
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Very worried
Hi, I entered into an IVA 18 months ago, did my research at the time and thought i had all the bases covered. Now i have just done some more research thinking i may have to go BR is the mortgage rates go to high. The research was around my contract and company handbook, there is a BR clause which says i MAY lose my job if…
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Gone Bankrupt, ex has been left with some debt.
I split up with my ex last November, with whom I had a joint mortgage and loan. I also had a loan and 2 credit cards in my own name (both maxed) which we'd been using to buy things together. After our split, I left the house and went to stay with family and my ex moved out in January, without telling me and also taking all…
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11 months wow !
Ive been here most days viewing the forums and offering advice when i can. Im almost done now and should get AD on the 22nd of next month, i cant beleive how fast it has gone. This time last year i was where most people who are starting their road to BR are now, its hard you have so many emotions, scary thoughts , seeing…
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In Shock!! Fastest BR In History?
some of you might remember that i sent off my forms to the AIB on monday and i posted yesterday that i had received a call questioning a couple things. i remembered that i had an old online savings accoiunt that i dont use (had nothing to save lol) so thought it best to ring them and she told me my br was granted…
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Help with bills
I went bankrupt back in January- i dont live in the property which was under a part ownership scheme me owning 30% the housing association 70%. The property is under the bankruptcy agreement. The property is under early stages of repossesion until it is legally signed out of my name im liable for the bills at the…
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Pre paid mastercard
Hi all prob posted before whats the best prepaid mastercard on the market? low fees etc i want it for mainly using online do u get the same protection as u would with a credit card and does it help your credit rating? also can you top it up with £ and use in abroad € cheers all :money:
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Getting DH 'prepped' for BR
We are just starting to get the ball rolling with DHs BR....changing DDs and wages to my account, and closing one of his accounts as its £17.50 a month for services we get with yorkshire anyway, so going to leave that open for now. Having gone through this myself in oct 2009 i know mostly what needs doing...the only…
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Likelihood of upgrading bank account after BR?
Okay, so its only a few months since I was AD, but I'm already thinking ahead in terms of having a normal bank account. Now I should point out (before someone swoops in and has a go) that I'm not interested in an overdraft (I actually never had an overdraft on my previous bank a/c for over 10 years and it wasn't until the…
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Voluntary repossession-court hearing
Hi, can anyone help regarding voluntary repossession and a court hearing regarding the repossession of said property? Cutting a long story short, after filling for BR my BF was advised that voluntary repossession of the ex matrimonial home would be a postivie step. Wanting to move on with his life and having a girlfriend…
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IVA/DPA/loan? ARGGGHHH
Hi all, i'm new to this forum but think its brill. Myself and other half have got into massive debt over the last 5 years. almost 30000. We are currently paying extortionate interest on an old halifax card. I am not allowed to have another to do an interest free transfer. We are currently looking at either a DMP or an IVA…
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Credit Check - What Shows Up?
I have a quick question regarding credit checks and bankruptcy. I was declared bankrupt almost 4 years ago and have now been been a discharged BR for over 3 years. I have been very careful to watch my spending since BR, limit any credit checks against me to the bare minimum(car insurance, etc) and have not applied for any…
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Letter from Eversheds
I'm three weeks away from AD and dont have an IPA, currently on JSA (like every other person in my part of London, so it seems). And today in the post I received my first bit of post with the word bankruptcy written on it. Dear Sir PLEASE NOTE THIS IS NOT A PAYMENT DEMAND Please not that on the XX/05/2011 MBNA Ltd sold and…
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have a couple of questions
Hi I have a couple of questions I was hoping you could help with, my husband and I are considering bankruptcy we have spoken to national debtline and are waiting for cab to do a financial statement for us at pesent, my husband is self employed and his wages are very variable at present last month he took home £1200 this…
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Seems like bankrupcy is the only answer for me?
Myself and my husband are currently renting and sharing with another just to cover some of the bills. We are currently on about £40,000 debt and it all just seems too much! The debts are just getting higher and higher, i seem to be lending from one card to pay the other - we are just covering the interest on the cards and…
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funds/grants for Bancrupcy fees?
Is there a list of companies, or charities that can help out if you apply? i need to apply but havent got 700 quid...funny that eh? Sarah
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Where do I start, bankruptcy?
My sister has been to the cab and it has been decided that her best option is to go bankrupt. The bloke at the cab said my sister looked intelligent enough to do things herself and that was that!!! Who does she need to contact to start the bankruptcy?
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Worried about your OR interview?
Right, I now feel I am in a place where I can share my experience with everyone and I would like to be of some help, so here goes. BTW apologies for the mammoth post! Firstly, don't be worried. If you have been up front and honest about everything you have nothing to hide and you should confidently be able to go through…
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New rental, vol repo, br.....
hi i haven't been here for a while as was trying to sort life out!, Going to look at a rental today (private LL) had a letter from mortgage co' a few days ago saying if mortgage was'nt paid in 10 days they would start repo' (we are on SPO) we have been saving for rental deposit, council have agreed to pay bond, not quite…
