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Sell asset to pay fees
Hi everyone, I'm new to the site and hope people have some help for me or previous experience. My question is quite a simple one; can I sell a car I don't use to pay for bankruptcy fees for my wife and I? I rang and spoke to the OR's assistant for our area and her response was a point blank 'No'. Has anyone done this…
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Renting Post Discharge
How difficult is to to rent a house through an agent post discharge after credit file clean up? will they still insist on 6 months rent upfront untill the BR drops off after 6 years, or post discharge if you can provide referances etc are they ok about it?
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Barclaycard text
Just got a text from Barclaycard saying that they have received my letter, which they have, and said they tried contacting me, which they haven't. They've asked me to call them to 'discuss'. Is this something I need to do, or is this a gereric text they send out to confirm they receive letters. Should they respond in…
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Just got a debt collector at the door.
My partner was intimidated by him, as he was around 6 foot four, so she said I wasnt in, then he asked if Id moved out, and she said yes. Obv I havent moved out, but he didnt give any indication of who he was. I am currently declared bankrupt and have been for over a month now, is there anything I can do to stop these…
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Bankruptcy and mortgage in husbands name
I currently live with my husband. The mortgage is 100% in his name, but we have been living together for 5 years and married for 1 year. Its unclear how this will be seen IE do I have a beneficial interest in the property. My husband has paid the mortgage for the last 10 years and continues to pay all bills. I have not…
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mortgage and sec loan in BR
Hi, could anyone tell me if there is a possiblity we could keep our home in BR. Currently owe £109,000 on mortgage, 19,000(if payed early) or 30,000(if let run 10yr course) on secured loan but house only worth £115,000. We also have 2 young children and have NO arrears on the mortgage Thanks
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Self employed tax-moonbeaver question
So with the BR date fast approaching next week, questions are going to be coming thick and fast :o ! Starting with the following... I am aware that people in employment when the start their BR are required to pay their tax to the OR via moonbeaver. But what if the person is self employed with variable wage. i.e. taxi…
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Repossession following bankruptcy
Hello again I wondered if there was a thread or sticky that explained the repossession process as it is looming for me... Or if there was anyone who would be happy to share their experience with me, I would be very grateful. Thanks
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Old ltd company accounts / paperwork
Hello all.. Just a quick question... I became bankrupt in 2010 just after I had to strike off and dissolve my company.. I am now sorting out my things as a house repossession and move looms... Do I HAVE to keep company paperwork going back 6 years from this year or can I get rid of it all now. Thanks in advance
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Considering BR/HMRC Question
Hi Everyone, Hope someone can help. Due to very bad accountancy advice back in '06 my daughter is being chased for a large amount by HMRC. It can be proved the amount she owes is but a fraction of that claimed. It is a very complicated setup that needs explaining in detail and HMRC have basically ignored attempts to…
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I feel like I should be worse after BR...
I'm marrying in a couple of months (hopefully) someone who earns a damn site more than I ever did and could ever do. I'm BR with no IPA since I don't have two shillings to rub together I'm constantly worried that the OR will go after me cos I have a mobile phone, sky, etc - but I don't pay for it. I went BR before we met…
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Went Yesterday
Well as of yesterday I'm now officially bankrupt, was in court for all of thirty minutes (almost felt a bit cheated, £700 and i never even met a judge :rotfl:) Spoke to OR this morning and arranged my interview for next week will take it from there. Would just like to say a big thank you to all the posters and regular…
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next week
Hi all well believe it or not but by this time next week i will be dishcharged!:eek: I cant believe that not only did I survive but wasted my energy on all the worry and heartache that,for most was not neccesary. Thing is i dont feel excited or anything in fact i feel a bit down. Although my examiner was a nice lady i…
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BR 2009, AD 2010, No repayments, Tax Rebate??
Hi wonder if anyone can help with this one My husband & I were made BR in 2009 We were AD in 2010 Neither of us had any repayments to make as our income was too low due to ill health. We have now discovered that we both overpaid income tax for the year 2009-2010. My own overpayment is £80 and my husbands is £430 My…
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AD in 1 month, can I get a car (and other questions)
Hi guys, My automatic discharge happens next month and I was wondering whether I can buy a car and not have to tell my trustee? It's my birthday in September and my parents have offered to buy me a car I can keep and restore, but there's no point if I have to inform the trustee of it. I also got a Vanquis credit card…
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Pay rise with back dated pay
Hi guys, I'm due for a 2% pay rise soon, back dated to April. I know I need to inform my Trustee within 21 days but what then happens? When the trustee took over from the OR I had to fill out another soa and I told them about my rent increase but I never heard back from them to reduce my monthly payments to moonbeever. So…
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Ipa
[FONT="]Well I'm sure people are just trying to push me over the edge, I have recently been treated as inpatient at a local Psychiatric hospital for treatment and a diagnosis, and well they have given me a diagnosis for a severe mental health issue. Anyway I have been off work since may and received a letter dated…
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Pay Rise
Hi All, I'm currently 6 months into my bankruptcy and pay no BRO or IPO etc. However, I will be receiving a 4% pay rise at work which equates to an extra £57 "take home" a month. My worry is that when i inform the OR of the increase, they will set me up on an IPO which will last for 3 years. In reality I was hoping for an…
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Another question
Im looking to go bankrupt in July, and my question is up till now I have been making reduced payments to some of my creditors but not others, some I have not paid anything off for years. Would I get in trouble for this as I am supposed to treat all creditors fairly? Also one of the people I owe money to is my mum (i owe…
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rebuilding credit rating afterwards
I was made bankrupt about 6/7 years ago. about 6 months ago I got a vanquis card. I wanna rebuild my credit rating and get a house. my vanquis limit has been lifted once. am I better sticking with one high interest credit card and wait till the limit ups or should i get a second one? Thanks
