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December's 2012 BR Club
:staradmin Hi Everyone and Welcome to the December's 2012 Bankruptcy Club :staradmin This club is for everyone who has gone or going through the process of Bankruptcy during December 2012. So please feel free to join and post. Pop your name on here, the date that you went/are going Bankrupt. Then just keep everyone in the…
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Repossession - elec company won't disconnect
Hi there My house is being repossessed next week and on advice given here, I have tried to get the Electricity and water to disconnect services but neither will, saying that they don't do that and once I have left the house, the responsibility will be no longer mine but the mortgage company. Any one have any experience of…
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New too BR
I have been advised to become bankcrupt i have been told to put our car in someone elses name as we have a car loan and its our only means of getting back and fourth work. can you give me your opinons on this? is it possible to talk to car finance company and maybe tell them so we can keep paying for it? clair
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PAYE salary paid by bankprupt
Hopefully someone can help. Back in 2006/07 I was working as a PAYE employee for a company. Unbeknown to myself the man running the company was a bankrupt. I now have a court order stating that I have to return the funds, albeit salary to the trustee of the bankruptcy. Surely this cannot be correct? How can a court demand…
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Old Bankruptcy file
Hi, I have had a FirstBuy scheme agreed, a mortgage offer from Nationwide in writing, everything going through and exchanging today. Just reading forums on here though has got me worried. 10 years ago I was bankrupt. This is now not on my file, and my credit history/file is very good. I notice the solicitors do a 100 year…
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step change wouldnt refer me on for advice?
Morning guys, as if im not confused enough already. I phoned this morning to try and get a bit of guidance on my next step, due to living in northern ireland i was passed from pillar to post, as no available trained advisors were to hand, this was fine. But then i was told as i have no unsecured debt such as loans, credit…
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Bankrupt 2 yrs ago, now being chased for electricity payment.
[FONT="]Hi, it has been a while since I posted, so please excuse any mistakes I may make; I am not sure if this is the right forum to post to, but hopefully someone can advise. [/FONT] [FONT="] [/FONT] [FONT="]This is to do with being chased for an electricity bill dated the day after being made bankrupt for a…
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Very confused and don't know what to do for best
I would be really grateful for some help and advice if possible. I have been in an IVA in my own right for 3.5 years (so approx 18 months to go). Everything was fine, until I lost my job in January 2011 and couldn't find anything else despite applying for approx 10 jobs every single day. With only one wage coming in, we…
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advice needed
sorry if this has been asked a million times, i find all this confusing. i was made bankrupt in scotland in june 2009 and discharged the following year. i`ve tried a couple times since then to get a high interest credit card to rebuild my credit and always been refused so came on here an seen about 'cleansing' the credit…
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solicator leter after discarge
hi i hope someone can help i applied for bankruptcy back in june 2009 as i had a fire at my business in the feb 2009 and now i have had a letter from a solicitor saying i ow the land lord insurance company a considerable amount of money i had no insurance at that time to cover it but i av just had the letter 3 years later…
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Waiting time before doing credit file clean up
Hi guys, How long did you wait before starting your credit file clean up please? A day after discharge?a month?a week? Your response will greatly be appreciated. Thanks. Yesican
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20 DAYS to BD!
Good evening guys, My word! 12 months have flown by so fast,its unbelievable. Im getting discharged early next month (Dec 2012) and truth be known,i'm very nervous about the next step. I remember logging on here for advice and to be honest,i have never felt at ease with the members here who were very kind and helpful…
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Help and Advice please
Hello , I'm 2.5 years past bankruptcy and have today received a letter from the OR with regards my house including the form 6.83. The letter is basically asking me to make them an offer for the BI (I believe there isn't any!) or if I don't reply they will either put a charge on the estate or appoint a insolvency…
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My SOA
Hi all, Please advice :) Bankruptcy Payment Order Calculation Household Details Number of people in my household 2 Income Monthly Wages / Salary 1813.00 Total Income 1,813.00 Outgoings Monthly Rent £550.00 Council Tax £137.00 Food, Toiletries and Cleaning £380.00 Electricity 160.00 That include my heater and cooker, my…
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Loan to company being liquidated
Not sure where to post this but I'm sure some members will have advice. I made a couple of loans to a company - one in 2009 one a few months ago. Shortly after the second loan the company was put into administration due to non-payment of tax/NI. I didn't know this was going to happen when I made the loan of course. I…
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Protecting Wife's Credit Rating
Hi Guys, Just a quick question please.... BR is looking like an increasingly unavoidable prospect for me, and approaching rapidly. All debts are mine solely. My wife and I have no joint accounts or loans, etc... We do however, have a joint mortgage which is fully up to date with no missed payments. We intend to keep on…
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Agreeing figure with OR regarding equity buy back
What would happen if you were to refuse OR's latest offer to buy back equity? When you can raise no more money for example? Will they then go back to original equity amount and say that they were going to apply to court for a charging order to get full amount? OR has asked for another £750, no way can my OH get this…
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Soa
Hi , Just working on my SOA. Just to confirm i have this right, My SOA should relate to me only, all my income and expenses only. Debts solely in my name and any joint debts with my name on them. As my wife works i should include 50% of her salary in the income section to? Thanks
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Potential Trust Deed
Hi I have recently applied for a Trust Deed, and will hopefully have this arranged and protected by 5th December. If successful I will pay £210 per month for 48 months, and this will in turn clear £37000 worth of unsecured debt. My personal finances had gotten into a complete mess, and this was only made worse by some…
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Any thoughts Please
House worth 90K ? , interest only mortgage 60k expires in 2 years, Joint paragon secured loan ( 37k left ) expires in 2018 House unsaleable due to wall cracks and condition, other houses in street have sat unsold for months. Will be retiring in 2 years at 60. Hoping to move to rented property in a couple of months. In dmp…
