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BR appt tomorrow and in a turmoil - charging order hearing on 14th July
Please can anyone help, I don;t know what to do, I have an appointment to declare BR tomorrow at 10. Now a charging order has come into the equasion. I did not defend originally because I had my head in the sand re: my debts as I did not have any money as I haven't worked for a year. I hadn't even been opening my post,…
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July’s 2014 BR Club
:staradmin Hi Everyone and Welcome to the July’s 2014 Bankruptcy Club :staradmin This club is for everyone who has gone or going through the process of Bankruptcy during July 2014. 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 club…
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Legal Counsel Looking At My LinkedIn
Afternoon All Been a long while since I posted. I was declared Bankrupt in November 2009 and discharged in 2010. I've just returned from a few days away with the family and looked at my LinkedIn account. A guy who is a Legal Counsel for one of my creditors- Virgin- has been on my profile. Very strange as I don't know him,…
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Bankruptcy landlord need to know?
Does anyone know how I can keep my bankruptcy from my landlord? I have a joint tenancy with my husband and it is only me going br, no rent arrears. worried sick! :(
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Now what to do?
I did the BR deed on Tuesday. I have posted back the forms and the payslips and tax things she asked for. The OR is aware I have had a bad accident and am going to hospital for treatment and need another surgery soon. I am scared of the whole OR interview, my future and everything. Did other people feel like this all did…
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House repossessed, whether to go bankrupt?
Dfw's have directed me here, posting this on behalf of a friend who isn't sure what to do next. "Friend and partner separated a few years ago, he continued living in property they owned. She paid nothing towards it after she left. She made continual attempts to get it sold/her off mortgage etc but was never able to get any…
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Taking the plunge - About time
Hi all, Firstly, please ignore any previous posts from me over the years. I've felt in that past that I was ready to tackle my debts head on when in reality I wasn't. In all honesty I just cancelled all the DD's, stopped opening mail and only answered phone calls to those in my phone book. Very immature and has cost me in…
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Bankruptcy, and what it means?
I thought I knew a bit about being BR, but now I'm not sure sure. It seems that going BR is a better way out than actually servicing your debts, as in 12 months time, you're often out of your BR, and allowed to start rebuilding your credit rating. But for those of us servicing our debts, we are punished until they're…
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Letter from OR - what does this mean pls?
Can anyone help pls? My daughter who want BR last Oct/Nov (so not discharged yet) has just received some papers from her OR - not sure what that means, can anyone help pls? Thanks a million
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Official Receiver procedure
My partner went bankrupt on Monday and now it seems everything is worse! Why does the official receiver say that the house is nothing to do with them? Why has he still got control? And why does the OR want his payslips for the next three years? I know these questions sound like they should have been asked before bankruptcy…
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2nd time around bankruptcy
Hi, although I joined mse a while ago I have not used the forums so am new to this. Was just wondering if anyone out there has filed for bankruptcy more than once? Are there any more implications for doing so? I was bankrupted around 10 years ago and I will more than likely be going down the familiar path again within the…
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Official Receiver letter
I apologise in advance if this has been asked many times before. I was declared bankrupt in august 2008, so my 6 years are nearly up. Today I received a letter from the OR asking how I financed my bankruptcy, i.e. was it from my own funds, via a third party, such as a relative or friend or a charity. I just wondered if…
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Possible candidate for bankruptcy...advice please
Hi everyone, this is my first post so be gentle please 😊 Basically due to some poor life decisions I went to prison a few years back. I have just been released after 5 years and am being chased for a significant amount of unsecured debt that I couldn't service whilst incarcerated. I've tried to phone and negotiate payments…
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BR legacy
Hi All, Can someone tell me when BR drops off credit scores. It says 6 yrs after default but is that taken from the date BR was given or is it at discharge ? Thanks a lot
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End of IPA Whoo hoo!
This forum has been of so much help over the last 3 years or so - a huge thanks to everyone for all the support and advice. Just wanted to share that I've paid my final IPA - whoo hoo! :j For those of you embarking on this, 36 months really does fly. I know it doesn't feel like it at the time, but it does! Suddenly I'm…
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Clean up question
I have only two previous creditors who have not marked their accounts settled on my credit reference having checked them with both experian and noodle. I have seen your letter but I do not have my bankruptcy order as that got left behind when I ended my marriage years ago..I do however have a discharge certificate. Do I…
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Help on OR & Land Registry please?
Hi,I finally plucked up courage to phone OR today.I was made BR in 2008,my Trustee took no action on my property as there was no equity in it due to crash etc.Was discharged in 2009,few months later Trustee handed file over to OR as he'd got what he could from me & did all paperwork etc. There's no charge on my…
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Ex Bankrupt and Mortgage
[FONT="]Good Morning all, this forum helped me no end in the initial process and now 5 years on im back to squeeze a little bit more advice from it! Looking at buying our house using right to buy, i have checked my credit history and my bankruptcy will not leave my file until 6 years from the settlement day (May 2009).…
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Husband going bankrupt, how does this affect me?
Sorry, a few posts from me today as have lots of questions before our meeting on Monday... Been married just under two years, have nothing in our joint names apart from a bank account which we will get rid of before BR. We rent. How will they calculate my husband's living expenses? Do they just look our joint costs and…
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Husband's going bankrupt, need to solve living situation quickly
My husband is going bankrupt soon as he racked up some large secured and unsecured debts before we got married. We had a baby a couple of months ago, and the childcare costs are the thing tipping us over into BR. I'm a high earner and when my husband goes BR, it means I have access to much more of my salary as most of what…
