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Just did it... but what do I do about upcoming court date?
Well I just pressed the button on BR. Thought I'd feel better but still feel slightly ill. I wanted to do it before I have to be in court with some horrific lawyers next Thursday. (They are one of the biggest reason I have to do BR). Do I need to tell them before the court date or should I just show up and explain? (I'm…
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OR interview & BR "welcome pack"
Hello everyone, I just have interview with my OR on Monday, it last about 25 min and was pretty straight forward, she allowed me to keep my car and continue to trade as self employed. Also she told me to from now on keep record of every penny spent and earn and submit that in about 6 months time to see if there will be…
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Parv
Hi all, Do I have to apply for my PARV order before I actually hit pay on the BR application or afterwards? The .gov website is a bit confusing.
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more banking malarkey
successfully managed to open a Barclays basic today, very easy and they were great-online mobile/contactless all offered and accepted Ironicallly Lloyds bank card rejected for the first time since BR minutes after I walked out of Barclays- Assumed frozen but have just managed to transfer my remaining Lloyds balance to the…
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old home under threat in BR?
some of you may have already seen this under another thread today, apologies if so, i'm going to try under a new one as didn't seem to be getting many reads or responses, being an add-on to a very old post of mine! "I've come back to an old thread of mine, hope someone can assist or share experiences As an update I was…
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Getting rid of business documents
My business failed a few years ago and I filed for bankruptcy, I was discharged around 18 months ago with an IPA (one more year to go thank goodness). My business failure broke my heart and killed my own dreams as well as those of the people who worked with me (who now seem to have moved on and forgotten all about it…
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8 years on...STILL having problems re financial associations.
Back story, went BR in Dec 2008, lost my home, repossession included in BR, but only my half, ex partner not BR as far as I know. My credit record is very good, I have rented for 8 years succesfully, and quite happily! I've become a saver and have a couple of low level credit agreements, credit building credit cards…
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PG refinance help
Hi This is my first post so any advise would be helpful. My company which traded for 20 years has gone into liquidation due to a customer bad debt. I am mortgage free and have got new employment. The company had a loan from the Funding Circle which I have a PG for and would like to raise a mortgage to cover my debts. The…
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Had my OR call today....
It was a rather painless experience. The OR Assistant was a nice fella, we had a bit of a laugh and joke about my situation and how I felt I was forced into BR given my lack of work. He asked how I got into debt, why my previous IVA failed etc. The only thing that he said might be a problem would be if his superior…
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Trustee and mortgage redemption
Hello I posted a while back in regards to beneficial interest in my property Basically the trustee/or left it too late to claim the interest in our house I wrote to the trustee Kpmg on the advice I received o. Here Stating that as they hadn't dealt with the matter according to legislation the interest reverts back to us…
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Still waiting on IPA decision
Well I still haven't heard if the OR wants me to have an Income Payment Agreement yet. It's been 7 weeks since I was declared bankrupt. When I telephone they just say a decision has not been made yet. Did anyone else have to wait this long?
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Becoming a signatory
Hi, I have been discharged 5 years last September. I have taken on a role which involves me being a signatory for a small charity that bank with HSBC. Will my past BR be a problem? I have managed to obtain credit since my BR but I am going out of my mind with worry that I will be declined. Thankyou for any advice
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Still waiting on IPA decision
Well I still haven't heard if the OR wants me to have an Income Payment Agreement yet. It's been 7 weeks since I was declared bankrupt. When I telephone they just say a decision has not been made yet. Did anyone else have to wait this long?
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Definition of default?
Looking at my credit file it appears that technically I haven't defaulted on my barclaycard debt, whilst I have with other credit cards and loans (stopped making payments on all of them nearly 2 years ago) Looks like barclaycard has just been allowed to drift with missed payments Declared BR a month ago Does this make any…
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Bank account options whilst insolvent - Guide
I have seen many threads lately, all with one thing in common, a shared lack of understanding of bank account options available to a bankrupt. It can be confusing, especially when taking into account a bank that is involved in your bankruptcy. Below are some of the more highlighted options. All are basic accounts and…
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Bankrupt by Tax Bill Charges - losing my home!
Hi All, I am posting this for my partner as he is so depressed and stressed at the moment its a struggle to help him. A few years ago he had a tax bill for £5,000 that he never paid straight away, stupid i know but the end of that year he started refusing work every now and again because the company who gives him work put…
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Ex not paying debt
My ex has accumulated a lot of Credit Card debt. ~40K I am getting a lot of collection letters and it seems she is not responding to them. I am paying 2k per month child maintenance (which is calculated wrong) which she is spending on holidays and clothes for herself. The kids are still wearing the old clothes and she is…
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more on Lloyds
somewhat of an extension to a recent thread i've just spent an hour (on hold etc) to Lloyds insolvency-i was declared BR a month ago, no debts at all to Black Horse-account still active, the odd credit dripping in hence want to know what's going to happen utterly hopeless, said my account would be closed at some point but…
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questions about Bankruptcy
Hi, A friend of mine has some serious debt problems and is looking into bankruptcy. I want to support her through this so that she doesn't feel on her own, and have said that I would help her with her paperwork and be there as a sounding board. As a starting point she is making a list of her debts, which has brought up a…
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Notice of Intended Dividends
Is there anyway to find out what my creditors actually did get out of the dividend is it possible, I know there was one because it was published in the gazette. Notice is hereby given that I intend to declare a Dividend to unsecured Creditors herein within a period of 2 months from the last date of proving. Last date for…
