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I need help please
I have been bankrupt for neally 7 months now problem is before bankruptcy I cancelled sky broadband which I ended up oweing them £50 which went in to bankruptcy now since bankruptcy am finding it hard to afford mobile broadband which costing £15 pound a month on pay and go, I seen deal on sky for broadband for £10 month…
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I&E in bankruptcy. IVA?
Hi everyone I went bankrupt 4 months ago and have now found a job having previously been unemployed. This is what my income and expenditure will look like. Is there anything I am missing? I am not on much money but seem to have some left and am scared I will have to enter an IVA even though things feel very tight already.…
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Really need some advice :(
Hello everyone. I'm hoping for some advice, mainly for myself but also my partner who has got himself into a mess. Basically: he had his own company for a long time but it has taken a turn for the worst and he held on way longer than he should have. i It was eventually put into administration. It was a limited company. He…
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future planning-due diligence
thinking a bit about the future today, post bankruptcy as most of my background is in start-ups thats probably what i will do post-discharge- should i be fund-raising and a potential investor wanted to conduct some due diligence what would they look at to detect bankruptcy, the insolvency register or a general credit…
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can someone explain DRO (ex partners)
I have a joint loan with my ex partner, he hasn't paid anything towards the loan since 2012 when we split up, I managed all our joint debts via a DMP (step change) for two years, I was able to get to the point where there was one debt left, that being a loan with Natwest, 13 months ago they started bouncing payments back…
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BR form - income
Hi everyone I recently stopped self employment because I have unfortunately made a heavy loss this year. I am filing for bankruptcy now and wondered what I should put on the form in the income section - I don't know whether to leave the self employment part of the box blank because technically I am now unemployed (by a few…
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Bankruptcy help
I was made bankrupt in February 2016 and was discharged in February this year. A debt has just came up at the end of January this year when I was still bankrupt. I paid the debt as I didn't know what to do. Can anyone tell me if I should have paid and if not then can I fight to get the money back, it was £820.
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Discharge
Hello. My husband was made bankrupt in September last year, and as he's self employed, the OR are monitoring his earnings with a view to a possible IPA. If they don't set one up before September this year, will he be discharged and therefore not receive and IPA or can they delay his discharge so that they continue to…
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NT tax code
We have just received a letter from HMRC informing my partner that his tax code is NT (no tax) until the new tax year in April. I'm assuming that the tax that he doesn't pay he will get in his salary at the end of the month and then it's up to us to contact the OR and make payment to them? Anyone else been in this…
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Interview Official Receiver
Hi there! Short questions to all who have had the interview with the official receiver: How do the officiel receiver get in touch with me after bankruptcy order is made? (phone? email? letter?) How many time do they give for the questionary? How many days are between information for the interview and the interview itself?…
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Overdraft with Nationwide
I am thinking about opening a Flex Direct account. I went bankrupt in 2010 so bankruptcy has dropped of credit file. Can I apply for a overdraft and cheque book now. Thank You
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On-line B.R. Application Forms
I've just gone through the on-line B.R. application - it ends where it says 'pay your fee' and I have another question. Is this THE full application or just a 'pre-full-form' questionnaire? I've read about forms 6.27 & 6.28 in other forums and these are not as daunting as those. There are eight categories on the one I've…
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Court Fee - 'Discount' on JSA?
Just a very quick one - I have read that if you are on JSA you can claim 'relief' from part of the BR total. Is this correct and if so does anyone know how I can do this as I'm part way through paying my fees and I'd rather not pay that part of it!?
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How long does the OR have?
i was declared bankrupt in October last year, OR interview early Nov and nothing since There were a couple of open-ended issues at the interview, which he said he might need to look into, notably the disposal of my property some 2 years previously I'm sitting tight as instructed on this forum! how long does he have to act,…
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Spent on credit card before bankruptcy
Hi everyone I am sadly planning to voluntarily bankrupt myself soon. Spending too much as a student, years of passing the credit around and then a break-up and job loss has left me unable to keep up anymore. Anyway.. at the beginning of Feb I paid to enroll in a high education course at a beauty college. I paid for this…
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Voluntary repossession - what next?
Hi there. Where to start?... In November 2015 we had finally paid off all our debt, except mortgage, through an IVA - 6 very long years of existing hand to mouth, with no money for extras. We should have been celebrating and we were so proud of ourselves. But it soon became clear that with the huge mortgage which we…
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Newbie Advice Please- Confused!
Hi, I'm hoping you lovely people can help me re my hubby's impending bankruptcy application. The quick backstory: Husband has a ton of unsecured debt on various loans, cards etc (45K). He was managing to pay until recently, as he had a well paid job. However due to time off for health issues related to his disability, he…
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post bankruptcy secured loan problem
Hi We've been contacted by a firm of solicitors handling a very old debt. The debt was from a credit card. The debt was listed under unsecured debts in the bankruptcy order. (Dec 2008) The solicitors are saying the debt was secured (they won't say against what) They are applying to an ATE order. Where do we stand please,…
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Proving COMI
I submitted my application on Tuesday. On Wednesday I received an email from the Adjudicator asking for evidence that my Centre of Main Interest (COMI) is in England and Wales - which was expected since all of my debts are from abroad. I have been collecting all the required documentation (tenancy agreements, bank…
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Next steps
After much help from this site I will be discharged tomorrow what are the next steps? What do I need to do to rebuild credit history for the future? Many Thanks
