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My SOA- Have a CAB appointment Tuesday :)
Hi All, I have an appointment with Citizens Advice on Tuesday who are going to help me in applying for my bankruptcy. I have wrote a list of all the creditors and the amounts and included letters for them all. However I am worried about my monthly outgoings going forward if you could have a look over and let me know your…
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Should I or shouldn't I, advice please
Hi All I live with my Mom as her full time carer so we are both just on benefits. I used to have a good job and during that time we lived UP to our income, when I was made redundant (a couple of times in 1 yr) I had no option other than to make arrangements with my creditors to pay them £1 a month, this was no where near…
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Tipping over into Bankruptcy.. Key to do's
Hi, I am at the point where I have decided to make my self bankrupt. I have read the really useful stiky's and noted a lot of useful info.. thanks to all for this. My situation is that I currently am a director of my own 'self employed' limited company. I also have a vehicle registered in the Ltd Co. which is worth £6,500…
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Can anyone help?x
If all my debts are in my name and the mortgage is in my husbands name and i go for bankruptcy , could they make us sell the house?x
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bankrupt and worried about job
HELP AND ADVICE PLEASE My friend has just been advised to go bankrupt but is worried about her job as she works for a well known insurance company. Would her employer find out, and could she lose her job.
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Complicated one
Have not posted for a while but am a regular lurker. This scenario relates to a business partner who like me has gone bankrupt. Approximately 3.5 yrs ago he signed over the family home to his wife in exchange for 30k. Based on valuations and outstanding mortgage he would have been entitled to 45k (exactly half the equity)…
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wrongfull bankruptcy now want to sell my home
hi please can someone offer any help on my partners circumstances. she was made bankrupt last january for a buisness loan she had some 14yrs ago she had £3000 unsecured loan from lloyds bank, her buisness advisor sold it to her along with ppi which was also splitt over the period of the loan.. she took this loan after she…
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Conflicting advice please help
Hi everyone, I have been filling in my debtor application pack to apply for BR. I was told to see someone at citizens advice and i had an appointment made which was this morning. Everything went well but on one of the sections in regards to a vehicle i left CAB Confused. I have a mobility vehicle which is leased (Not…
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At Last!
Discharged today! hey hey!
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we've been declared today!
Well me and the husband went to court this morning and after handing over 1400 we were declared br!!! Now I just feel incredibly deflated and flat broke!!! We had a chat with the or who seemed nice, just have to wait for our telephone interviews in a week now!
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Trust Deed / Statute Barred Advice..!!??
Hi, Hoping for some advice from you knowledgeable forum people, on the following situation. After accumulating significant unsecured debt from a number of creditors, I signed up to a Trust Deed in 2009. I only paid into it for the first three months, it was scheduled to run to 2012 and since then I've had no contact from…
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Business Bank Account - EX IVA CONVICT
Apologies I posted on the wrong board. MOD Please close :beer:
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Considering BR
I am helping my daughter who has considerable debt as a result of being a student nurse. The amount is above the IVA limit and so she is considering bankruptcy. Having just got married, how, if at all, will her debts or bankruptcy effect her husband? for example in getting a mortgage? He has a good income in his own right.…
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Are you awake and stressed?
Hey Guys I just can't sleep and keep on reading the threads in here, Its a completely different side of "LIFE" ! saaadddddddddd As I say DEBTS ARE THE DEVIL'S GIFT TO HUMANITY !!! Please bump up this thread if u up late at night so we know we are not alone ;-)
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Bankruptcy car question please
Hi all This is something we have considered for a while and after 6 years of making token payments and feeling physically ill wilth worry we have realised this is something we need to do. Can anyone clarify a situation please? We currently have a car that my mother in law got a loan for as our last car had to be scrapped…
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Declaring bankruptcy to mortgage company
Hi all just a quick question. i am 4 years into my bankruptcy and was chatting to my bro the other day who said even after 6 years if I want to buy a home I will have to declare the bankruptcy. if that is true then there isn't much point in applying is there? so is that true will i, say in 20 years still have to say i have…
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Post discharge credit application-confused!
Hi Folks I am nearly 3 months post discharge. Hadn't really thought about starting the process of trying to improve credit rating, but the other day I had an e-mail from Vanquis suggesting I apply for a card. I hadn't made any enquiry with them or any other credit company, so I thought (naively, probably!) that they had…
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lurker
Hi been lurking for a while,got my court date monday eek just a couple of queries i have a tax credit overpayment will this be wiped by bancruptcy i have not put it on my court papers should i or will it be wiped anyway ( single name claim ] and also i am currently on esa benefit as my only income and will be for a while…
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IPO v IPA?
Is there much difference, other than the obvious which is that one is a signed agreement and the other is imposed by the court? I have read the threads on this subject but still not clear about it :o Basically I have challenged the OR about my IPA and have been told that I can have it assessed in court if I wish - quite…
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Help me!!!!!!!!!!!!!!!!
Hi Looking for some advice. I have tried in vain and can no longer carry on in this way. I currently pay a CCJ for a joint loan that I have to pay as my partner at the time didn’t and even though they have her address I am the only one paying it. I am now going through a divorce with my wife and her mother borrowed me…
