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Rental property
Hi everyone We are due to be moving into rental end of July (letting current house be repo'd). My biggest worry now is that the OR will inform Landlord of BR, after we each file - hoping to do this the month after we move in... worried that after 6 months, the landlord may not want us there when he/she knows about BR -…
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thankyou all
hi all i would just like to say a big thankyou to everyone for their help and support :) still cant believe that its over that a whole yr has flown by. i want everyone to know that anything can be sorted one way or another. bankruptcy is such a scary word but its ok, the examiner doesnt eat you and they most def dont come…
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Please review my SOA
I am almost in the position to go bankrupt, I rang the local county court for an appointment and they told me they had various dates available and that I should get my paperwork and fees sorted and give them a ring when I'm ready. I have my fees just about saved and I'm in the process of filling in the forms . My SOA…
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paying rent in advance
this is probably a silly question but I thought I'd better check anyway.... ...I'm going to see a flat for rent (private landlord who will credit check me...cripes!), so I am going to be upfront and tell him everything...I've checked my credit file and I've got plenty of defaults on 4 accounts from when I lost my job and…
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Repoed House Council Letter
My secured loan firm repossesed my house back in december and now the mortgage company HBOS has also been granted a possession order. Today I received a letter from my secured loan company that they have forwarded me from the council ordering them to maintain the gardens as they are overgrown. The letter is addressed to…
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Kids' Stuff?
If you go bankrupt, do they take the kids' stuff? I haven't got any assets at all (no mortgage, car etc) just a tablet, kindle and a few rings. About £500 worth of stuff I think. The kids have an xbox and a tv though.
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will this be included in BR
Time liine May 2011 Dan and Ann sign a 6 month AST tenancy and there £485 deposit is put into Tenants Deposit Scheme, AST tenancy rolls over a periodic tenancy. April 2012 due to work commitments Dan gives Landlord the one months notice to end joint tenancy and transfers deposit to Ann. And signs as guarantor for Anne for…
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ipa
just another question can an ipa be set up after discharge or does the or have to do it before your discharged if he/she is going too
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So bored with BR stuff
Not a query, more of a rant! Made bankrupt in 2009, finished my IPA last month and cancelled the standing order, which had in any case been set up for a period of 3 years and was ending anyway. Today I went into my online banking to check my rent payment was going out correctly and saw that the standing order for Moon…
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WooHoo
Mrs Mouse has just phoned to say postman has delivered signed deed from OR - she's got the House back ! :j OR's solicitor is going to notify Land Registry so all we need to do is check title in a few weeks time. Why on earth does anyone think you need to appoint your own solicitor when all you need to do is get a friend to…
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My appt with the bank and what i have .....
I have an appointment tomorrow at the co op bank. I have been with them since December 2010 and went BR on May 24th 2011, i am glad to say its all over (well that part is anyway) May 24th 2012 this year. This is what has happened to me since before BR and after .... I needed car insurance and pay direct debit with the co…
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Discretionary Housing Benefit Payment/Bankruptcy
Hi everyone, My family receives housing and council tax benefit. We recently got a letter that from June our housing benefit would be going down due to the new caps that were brought it. This would mean a difference between the housing benefit we recieve and our rent. Having to make up the shortfall would mean our SOA will…
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bankrupt 2 years ago what about house?
we went bankrupt almost 2 years ago, was asked if we wanted to buy the interest in our house we said yes and had to send off total owed on mortgage (15k neg equity) and also estate agents valuation, we did this and never heard anything... we still hant heard anything almost 2 years later, should we contact them or ride it…
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Legal Aid whilst bankrupt
Does one qualify for Legal Aid whilst bankrupt? Situation occured which involves me needing a solicitor (ironically they were one of the reason why I went BR in the first place.)
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handling the emotional rollercoaster!
Hi All So cant believe a month has passed already since I was declared BR, there are some days where I feel such a huge sense of relief then other days where youre filled with such guilt/upset/sadness you name it, its there! Today I received a series of emails from a creditor (a family member believe it or not) telling me…
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Overdrafts After Bankruptcy
Hello I have been discharged from bankruptcy for just over one year and I have been approved for an overdraft by my bank. Will using the overdraft (and paying back in full) each month help to improve my credit rating? Many thanks!:)
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Voluntary Repossession
Hi all Quick question, hope it's a nice easy one. I've done a search and can't find the exact answer, so sorry if it's been asked before. Basically I was declared bankrupt Dec 2010, my ex-partner who I had a mortgage with at the time has kept the mortgage (no equity) and the property pending review at 2yrs 3 months. As…
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Is 2x subprime credit cards better than 1 for rebuilding credit file?
Hi I recently received a capital one credit card for rebuilding my credit file. Also recently when I logged into my Current account provider Barclays; the asked me to fill out an online form to "see" if I could be pre-approved for their own credit card. after filling the form it said that I they can offer me a Barclaycard…
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Personal Injury claim and sequestration query please..
I have a question for you guys please, Im currently typing a letter to my OR and i wondered if i could pick your brains here...Basically,my child and i were involved in a car accident two months before i went through with sequestration (im 6 months in) and i found out today that both of us will be receiving compensation.…
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OR Interview Done
As above had 50 minutes on the phone to the OR (very pleasant women) went through everything get to keep car as its needed for business and no IPA as it stands. So all in all not a bad experience:j 1 week done 51 to go :D :D
