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not sure what to do if anything
Where to begin... to give a quick brief, it's likely I have BPD, not diagnosed officially yet but it's darn safe to say I've got a disorder or two. Recently social workers got involved and i've had an assessment done as I'm solely responsible for my 1 year old twice a week. (I live with my child/gf) I left work 18 months…
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phone and internet
Hi i have a phone contract (long time to run) and my internet through a monthly contract dongle with 3 i am up to date with payments on both got 4 months before i can cancel internet just wondered if now im bankrupt if there is anyway out of the contracts or do i just keep on paying till i can cancel (which i can do)like i…
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Bankruptcy and sold Mobile On Contract
Hi please dont flame me but Can some one help please The story is i lost my job and had just got a iphone contract i rung the provider up and tried to return the iphone as i lost my job and couldnt afford to pay for it and they refused. We got further and further into debt so i sold my iphone that was in a contract to pay…
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Bad time needs big decisions
hi all this is my first post but its a very important one i need any help i can get with me and my wife has recently split it is amicable at present but underneath all of this we have debt quite a bit and a house and car together we were managing it we had a lot of cards in our silly youth and are on a DMP with cccs for…
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Having to pay £42000 to bankruptcy trustee for a £3100 debt!!!!
My husband was made bankrupt last year for a dedt of £3100. The trustee he was assigned said that with the debt, court costs and his fees he now owed £27000. We have been paying an IPA of £200 pounds a month since December so have paid £1400 into our bankruptcy estate. We have now sold our house and the trustee is taking…
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IVA Payoff Help
Hi all, I have been in my IVA for a little bit now and it has been a massive help to me. I have contacted payplan today in regards to a possible early payment settlement, payplan have said that they cannot guide me on what to offer!? which I just don't understand. I was wondering if any of you would be able to advise what…
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Light at the end of the tunnel.....
Hi all, First post.....great site, I'll be browsing through regularly. I went into voluntary bankruptcy 08/2007, discharged 04/2008. In the last 6 months I have been offered and have accepted credit - a low credit level card, a corporate card and most recently car finance. I looked at my credit reports for the first time…
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Reposession Looming
Hi Guys and Girls Need a bit of help and advice. I went bankrupt in November 2010, came out of bankruptcy in November 2011, was paying all my bills till January 2012, then unfortunately was told to go on the sick. Was on the sick till April when I was deemed by the Job Centre Nurses that I was fit for work. The mortgage…
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Was made bankrupt last week!!!
Hi All, I was made bankrupt by a creditor last week. Went to court lasted 2mins and declared me bankrupt.:( My question is how long before the OR contacts you? It's been 10days now? Also, what will the preliminary contact be (phone, letter?) and what will be discussed? And finally would any of my partners assets be…
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BR? Feels like my only option
Hi I'm 24 and currently Have around 12k worth of debt, I don't have any assets apart from a tv lol. I have a stable job earning 17500 a year. I'm in such a mes that I don't know what to do. I have a dmp with cccs and feel like its not working, creditors still writing to me weekly with letters explaining how much I am…
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Finally got my credit file sorted
Got a letter this morning from Bank of Ireland, stating that they had received a letter from the ICO regarding my credit file, and it has now been updated, and sorry for any inconvenience...well considering i was discharged on 11th June 2010 it has been an inconvenience but only in the fact that i have had to keep…
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Partner bankrupt - will this affect me when he moves in?
Hi. New here :-) My boyfriend went bankrupt in January. He's moving into my address next week. All the mortgage bills etc will stay in my name. We have talked of a joint account. Can someone please tell us: 1. Can we get one without it affecting my (really good) credit rating? 2. When he moves in, will that in itself…
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Saving fees and selling car
Hello all, We are due to move into rental @ end of July.. have missed mortgage etc to pay for dep etc etc. We have 2 x cars (both going BR) and thinking of selling mine. The sale of my car will pay towards the BR fee - also need to get my son a bed as he is going from a cot to a bed. I have created a sheet, which shows…
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Bankruptcy and Working Tax Credit
Hi, We currently receive working tax credit based on last years income (Husband was self employed). My husband has since started a new job in April where he earns more money. I have phoned DWP and because he is on a six month probationary period, we have been told to wait until this time is past to request a stop in our…
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Help needed regarding Taxman please!
Hi, my partner has had a 15,000 tax bill which he cannot pay. He,s had a letter saying they are going to make him bankrupt on the 11th July. We have a joint mortgage which is paid off in 3 years time, can they take the house if it,s in joint names. Is there anywhere he can go to get some help with this whilst there,s still…
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being made bankrupt
hi i have been looking on here for a while now, i am probably going to be made bankrupt just have a couple of questions please. What happens when someone petitions for you to be made bankrupt ? if a Company is going to make you bankrupt do they have to let you know and how ? do they have to let you know when and where the…
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barclays
Went to barclays today to open basic bank account they were very nice when he typed in all info and computer said no as i was bankrupt but he said that's ok he will appeal it, which takes 4 hrs for them to respond to him and he rang me bang on 4 hrs later with my new account number debit card in the post and dds set up…
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Salary sacrifice car and petrol for SOA...?!
I've currently got a salary sacrifice car from work (net deduction is £207pm which includes everything apart from petrol). Am I right in thinking this will simply be refused as part of BR in a few months time? The reason I opted for a salary sacrifice car was I couldn't keep up with the old one failing and couldn't pull…
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When do you enter an IPA bankruptcy
Hi all, I am completely new to this :) so bear with me My husband and I went bankrupt in march this year everything went well and we had our phone interview in April and I sent all the relevant info the insolvency needed. Now it's been just over 2 months since interview and we have not heard a thing. My question really is…
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Capital One secured credit card? any info
Hi, I have been looking at the Capital one secured credit card(where you pay a £49-£200 security deposit) Are these easier to obtain for discharged BR's than standard CC's? I am really looking at all avenues to try and rebuild credit history and would be willing to put down the security and maybe close it after a few years…
