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Really scared of loosing my house
Hi all Well, I'm just in the process of doing my I&E as adviced by BDL before I call them back to discuss again. My debts are a mix of personal & business, (business partner & best friend bled the business dry without me knowing, and I'm left with huge debt as personal guarantor) looks like bankruptcy is my only real…
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Tax code help!!!
Ive worked for my employer for 8 years,always been on correct tax code ect. Went BR june 09 was nil tax code until April 2010 and moon beaver had all the money. Now ive had a letter from HMRC stating my tax code for this year is 517L because of an under payment for 09/10. my tax code is currently 747L and before that 647L…
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info needed please
As you may be aware form previous posts my wife and i seperated just over a year ago, she run us up in so much debt then empted our bank accounts and also the kids bank acounts and done a runner. Following that i had no option but to go bankrupt, lost the house etc which was in negative equity by the time she had…
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A small problem?
Hey guys, Back on here in my Cllr role, and had a bit of a hard one to take on, that I know NOTHING about! I’ve just had an 80yo resident visit me at home, with letters from the OR that she’s received in connection with her daughter. She’s being asked to pay OR £20,000 for repayment of a loan that daughter took from her in…
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BR & Car, wasn't expecting this...
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Br.Question
hi there there is a question at Br.form asking to write down the amount owing to creditor,,how can i find out exactly how much i owe i mean shall i add the interest or not many thanks
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tax credit overpayments in bankruptcy
Evening all, I was just wondering if anybody knows where we stand with tax credit overpayments in bankruptcy? About 2 years ago I was overpaid by about a grand in working tax credits and have been repaying it by them taking deductions each month. My tax credits have significantly reduced due to a change in my circumstances…
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How do I separate expenditure?
Hi guys I have been reading this forum for quite a long time, and hopefully I will be sorting BR very soon, however This is the first of probably many questions. To explain, I currently work full time @minimum wage, with varied hours, and receive working tax credit. I am renting privately and live with my 22 yr old son who…
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lump sum offer or bankruptcy?
Can anyone advise me? Have been paying nominal payments of £1 to my 6 creditors (total owed approx £36,500. across credit cards, personal loans and store card - largest single amount is £14,000. smallest is £850) for past 4 years. They write to me every 6/12 months and ask for an update when I confirm that I have no assets…
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Social fund loans in bankruptcy from March 19th 2012
The Insolvency (Amendment) Rules 2012 (2012 No. 469 A Statutory Instrument amending the Insolvency Rules 1986 was laid before parliament on 27th February 2011. The amendment relates to discretionary Social Fund loans (budgeting loans and crisis loans) and has the effect that such loans will be outside the scope of a Debt…
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Couple more questions post BR.
Hi there Cant believe its a quarter of the way through the BR year already, all is quiet and going well, money very tight but didn't expect anything other. 1 - We got behind in the first quarter due to 3 x car repairs and have had to sell some items to get even with bills. Do I need to let the OR know, they were £120. 2-…
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False CCJ on my credit record
Hi all, Not sure if this is the best place to ask but if not can a mod move it. I just checked my credit file and there's a CCJ showing on it from 2009, however I haven't had a CCJ against me. The status is listed as "Active". Some background.. We had a dispute with our property factor over their bills. We were refusing to…
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Jsa and tax credits
Hi I would like some advice if Anyone can help We went bankrupt on the 23 September2011 long hard road but we got there in the end great relief and feel better for it!!! Defnately the right decision for us, I didn't get a payment plan as my sole income was ESA and tax credits, my husband got a reduction in tax payment plan…
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Energy grant for BR fees
Does anybody know how long EDF are taking to process applications for fee assistance for BR fees? I submitted an online app 2 weeks ago but haven't heard anything, and can't seem to find any info on this. I really want to get my BR started asap as some of the creditors are getting nasty - funny it is all the small debts…
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repossession of car
Has anybody had any dealings with renault/nissan car finance. I have a car on hp with these, and haven't made any payment since september 2011. I have had a few letters, mostly just adding charges, and one letter saying that I had to bring the account up to date by the 18th February 2012 or they will repossess the car. I'm…
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Car Insurance - just a quickie for info
Hi all, Just for info, I was discharged in July last year and my car insurance is due next month. I was concerned I would not be able to pay in instalments, anyway I got a quote from the co-op via the web and then phoned to see what would happen. I have to say they were fantastic, said the bankruptcy was not a problem but…
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Were do we stand.
Hi all been reading a lot and now need some questions answered as i am worried sick. Due to a loan i took out in 2007 in 2008 our family home was repossessed, i have not had contact with the loan company, but i was aware they may have sold it for way under the asking price. I live with and care for my wife who is a…
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Help and advice needed re BR options
For the past few years Ive been paying little over the interest on my Credit Cards, however, I have been made redundant in the past 6 months and I am on Jobseekers Allowance currently, the minium payments on all my cards amount to my total income on JSA, meaning I can buy nothing else. My credit file to now has been good,…
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Help and advice on settling debts in a iva contract
Hi folks Can any one help me I've got an iva and are wanting to know does anyone know what sort of offer I should be making on a £6000 debt,a £7000 debt and a £17000 debt I've had this iva for 6 years and are getting no where with it and need some advice .
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Given Up House
After much debate, we have decided to give up the house. Both went BR 3 years ago. Have found a property to rent and going direct with the land lord to avoid agency checks. Apart from don't sign anything is there anything else, should we inform the OR of our intentions? We have missed 3 secured loan payments and 1 morgage…