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Mobile upgrade during bankrupt year
Hi all I hope everyone's doing well. I am in my bankrupt year and my mobile phone contract is due to be renewed. My old phone broke months ago and need a new one as the one I borrowed is broken. Husband was going to put this in his name (he pays it anyway!) on renewal. He called and arranged it all for me but turns out…
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OR or Trustee
I wonder if anyone could shed some light on this for me How, when and why is a trustee appointed in bankruptcy, and can the creditors influence this decision? In my case the only potential contentious point is my previous property, which my ex-wife sold about 18 months ago, paid off the mortgage and used the proceeds to…
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OR done, what next?
Hi all, i've spent so much of the last 6 weeks or so prepping for and fretting about the OR meeting that I've given seldom thought to how things move on thereafter...obviously this varies markedly on a case by case basis, my key concern is not to do anything stupid How much OR input can one expect moving forward, in my…
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Bankruptcy in Scotland
Hi I'm looking for advice i was in a car accident in may and I'm in the process of claiming personal injury (no loss of earnings) for pain and suffering my bankruptcy forms should be in this month I'm applying for a map but it might be rejected so it might go through as a full bankruptcy. Anyway my question is when my…
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I finally pressed the big green submit button for our online bankruptcy application
Hi guys on 04/11/16 I finally pressed that big green button that has been haunting me everyday......... Was very scared when I pressed it for myself and my husband! :eek: Not sure what to expect now but I feel less stressed now it is done. I feel more positive that our financial situation is improving already!... I will…
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SAO Review Please - See post #32
I'll keep it simple. I was made redundant in July and have been trying to find work ever since. Total household bills equate to around £3000 a month including £1000 or so of my own personal debt. We are desparate to leave London but cannot as we are tied to the property for another 12 months. We have used all savings and…
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GE Money and Credit File clean up
Hi, I was discharged from Bankruptcy in Jan 15. I have been working hard on cleaning up my credit file to ensure that all the info is correct. I'm having a nightmare getting GE Money Home Lending to properly report the default. When I was declared BR, it seems that the OR didn't notify them. I had never defaulted on the…
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OR meeting report!
I thought I would update on my meeting with the OR The 'examiner' I was due to see had called in sick so the appointment was taken by someone I suspect was his junior, v.friendly young chap- Pleasantly painless, despite my paranoia that they were going to have it in for me..as implied by various posters on this forum he…
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Bankruptcy and Partner Homes
Am keen to get feedback on what has happen to other that may of been in a similar situation. My and my partner rented a house for 3 years, and for the last 9 months she brought and has a mortgage in her name only. Due to debts I have not contributed to the house or mortgage. We have no joint bank accounts. I help towards…
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Submitted
Eeeee well iv done it i have submitted my bankruptcy form im crapping it whats next peeps. Thanks you alm for your help i so appreciate it x
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Thank you MSE and some positivity
Hi Everyone. Back in 2009 MSE (bacjk when all this was green fields :) really helped me in a difficult part of my life. I lost 10 years work, all my businesses and all my assets after making a badly timed purchase of a new business just prior to the credit crunch. I declared myself bankrupt in March 2009 (I was the 208th…
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NT tax code...
Hi all, I became bankrupt at the end of September. I recently received a letter from HMRC saying that my tax code had changed to NT. I understand that this tends to happen if you're a tax payer who may be liable to pay into an IPA, but a) I only work 15 hours per week and don't pay tax anyway and b) as far as I'm aware,…
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Letter to creditors IPA
In the letter to creditors by my OR it says no meeting will be held and there is no realistic prospect of a distribution of funds. Does this mean I won't be getting an IPA?
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Done it
Hi all have compleyed my application. It was easier to complete than i thought took me hrs like. Onky one thing is it disnt ask for hubbys income but also mt the time i put my half in for what i pay im like -100 pounds. I didnt put anythinf for alcohol or smoking ans nothing really for socialsing. Is that ok?
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questionnaire question 2
it asks for my last income tax reference number + address of tax office- no idea-is the former the same as your UTR, which i have-i'm registered on gateway but can't find office details anywhere there, or the number if different to UTR Thanks....again...
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questionnaire question
on the list of creditors it asks for 'date incurred' of the debt what should one put for various credit card debts etc which span a period of time-some of my credit card debts are ancient and I have no idea of the date range specific to the outstanding debt
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PayPal
I didn't think to declare my PayPal account :mad: How much !!!!!! will I be in with OR? Not that there is any money in it but PP have said there is a linked account which I forgot I even had, which is negative balance (probably because I forgot about it). A transaction didn't go through which means I still owe PP money…
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creditors, balances etc
Hi, I am doing the questionnaire in advance of my OR interview, I have a couple of questions re creditor-I might have a few more over today and tomorrow, so thank you, as always, to all you fine people who populate this forum and make such an effort to assist, I look forward to joining your ranks when I might have a few…
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Council tax vs housing benefit
Re a previous thread of mine, advising that current outstanding council tax and arrears (of which I have both) qualify for bankruptcy, will this impact my housing benefit? I.e will the council deduct HB from the unpaid council tax, or some other mechanism Seems unlikely but I'm doing the questionnaire today and tomorrow…
