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How closely does the OR monitor your bank account during BR year?
Does the OR keep an eye on a bankrupt's bank account, i.e. looking at what is going in and what is going out, over the course of the 12 months before discharge? I know thy have been looking over the past 12 months as I sent them these, as requested, before my OR interview but do they have access to view how your account is…
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Home repossessed after bankruptcy
I was made bankrupt on the 5th May 2009 and discharged on the 10th October 2009. Apart from credit cards and loans I also included my mortgage in my bankruptcy. But when ive looked on noodle.co.uk its shows that im still owing money to my mortgage provider even though this was included on my bankruptcy order. But on…
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Bankruptcy following business closure
Dear all, Long time reader- first time poster. Thank you for your contributions here. I ceased trading a few months ago following a serious of devastating blows on my business. I notified creditors and also advised that I could not afford a liquidator. There are two debts which were guaranteed by me as director of this Ltd…
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Bankruptcy & Prison
I have a friend that has sadly gone inside for a 3 year term, she is in debt to around £40k and wont be earning for the foreseeable future... Is she able to begin bankruptcy/IVA proceedings?
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Thriftkitten by name NOT by nature....
Hi, Newbie here so please accept apologies if I have posted in the wrong place. My story..... Ok, like so many others I have shamefully not managed my finances and have taken my head out of the sand and realized that this isn't going away.... I have written down all of my debts priority and non-priority and done the whole…
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Any ideas what I should put down as my occupation....be kind plse
Not sure what forum to post but here we are. Slightly weird question but one that pops up a lot for me and has had certain affects on applications. I am medically retired from the police and receive a medical ill health final salary pension, index linked etc....very nice but.... When I apply for things I am always asked…
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Current Accounts after bankruptcy...
Hi, I've done a search on here and theres nothing too recent - I am due to be discharged as of Tuesday, and was just wondering if anyone knows of any banks who I'd be likely to be able to apply for a current account. Not too fussed on overdrafts but it would be good to get an account with add ons such as mobile phone…
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Joint Mortgage - other party bankrupt!
Hi everyone. Please can you help me..? When me and my wife separated 4 years ago I moved into our rental property. It's a buy-to-let property and I've been paying the mortgage since then. - The situation has just changed: She's going/gone bankrupt. We're still married and the mortgage is still in joint names. I'm thinking…
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2 weeks
just 2 weeks left to go and I'm discharged, it's not as been as painful as I thought, still get couple letters through the door. Even though I have not posted on this board, I still regularly read it and wish to say thanks for help and support given.
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Barclays getting tougher on basic accounts?
I've just read the following, from a StepChange advisor, regarding Barclays not allowing a basic account when BR if they are / were a creditor. Is this true does anyone know? Here's the text from the 'Ask StepChange' sticky thread: "Barclays are currently the only high-street bank that will offer bank accounts to…
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Metro Bank!!!
I am fortunate enough to work reasonably close to one of these new banks and decided to take the plunge and open a new cash card account. I told them I was BR, they said no problem, printed off my card, sorted the pin and online banking yipee!!! As someone mentioned they don't do DDs or Standing orders but you can set up…
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Had my final OR interview today
Hi all, well its been an eventful week. I went BR on Monday, spoke to the OR Tuesday morning and then this afternoon I had my more in depth discussion. When I say in depth it lasted all of 15 minutes. I have a rental property that my soon to be ex lives in so that took up most of the conversation. Its in negative equity…
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Business bankruptcy
I run a pregnancy advice and teaching service, to promte my company I organised a small show. Due to a few issues the stand holders are threatning to take action to recover their money. The largest stands was £130 the smallest was £25. If every single stand took action and won I would have to repay £2150. A phone to a…
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Just a bit confused. Can you help?
After being AD for 6 months, I am now starting to try and clean-up my credit files. I have a list of my creditors and their status on-line with Noddle. They all show as default or late payment. Now, when I send fermi's template off to each of my creditors, along with a copy of my BR and a copy of my discharge, in time,…
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Is My IPA Over ???
I am at the end of my 3 year IPA (via Moon Beevor). I had worked out that my last payment should have been taken last month. When checking my account this morning I have noticed that another monthly payment has been taken. Should Moon Beevor stop the payments? Should they inform me that the IPA has now finished? Should I…
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Went Bankrupt, this is what happened
For all those worried about going bankrupt I thought I would tell you how my day in court went. I finally got declared bankrupt yesterday, although I am confused as to why I am not on the register yet. Well I turned up to court with my papers in hand, first thing at 0830. I was surprised to be sent up to see the Clerk with…
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Saving during IPA
I have a question regarding savings while bankrupt. If i choose to save money that i don't use, in a credit union, if i end up with a good amount of money saved up can my OR take this from me at all?
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Bank asking for proof of bankruptcy and discharge when evidence is online
I've made a complaint to Royal Bank of Scotland asking them to update my credit file accurately with the correct date and discharge of my bankruptcy. They say they can't find any record of me being bankrupt or discharged so asked me to send my certificate of discharge. I was going to order a copy today but registered with…
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How do BR's manage their money?
I apologise if this seems silly but do you all have envelopes (real or virtual) where you put your expenses that were allowed and then spend them as they occur? Say haircuts - I am not a regular hairdresser attendee but it is allowed so should I stash that amount away every week/month? Same with optical/dental - things I…
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what do I need to take?
Question; when I take the forms 6.27 and 6.28 in to file for bankruptcy what other documentation do I need to take, I mean like payslips, bank statements, letters from creditors, rent agreement and stuff? Im in a bit of a muddle? Bellz