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Advice on Declaring BK outside the UK
Hey Guys Well I can't put this off any more, i've been living in the US for over a year now and although i'm doing ok here financially my UK debts will be impossible for me to pay with the Exchange Rate etc, ( I owe in excess of 20k ). I am thinking as I won't be returning to the UK for a long time to live if ever I am…
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help needed...........
Ive borrowed a fiver I want some numbers for tonights euro-lottery If i win the wife may take me back :beer:
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Barclays or nationwide account?
Hi, DH has no bank account due to current situation (DMP under way) But has just received a cheque in his name. So I was going to send him to open a bank account in the next couple of days ( not sure he even has any ID to be honest!). Which account is going to be the most easy to set up? Thank you.
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BR notices in the local newspaper
Ok, I will have to admit that since considering going BR I have been looking for the BR notices in our local paper and have only ever seen 3 personal ones - the rest have been business ones. This has been for the last 3 months. So, (not that I am paranoid or worried about anyone seeing MY notice - of course :rolleyes: ), I…
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HELP ! recently bankrupt - BAILIFF COMING TOMORROW!
Hi, posted before about my woes. Thanks to Rog2 and others for the previous advise. I will be back with my tale of events asap when the dust has settled and I can reduce my drug intake to get me through this nightmare. Can anyone give me urgent advise. I was made bankrupt at the high court just before christmas - not a…
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Do I tell my landlord I'm going BR?
Hi, forgot this in my last post... Hubby and I rent through an agency for a private landlord. We have met the landlord and she is very nice and has even paid us money as I am a diy nut and have done a lot of smartening up to the property which was a bit shabby when we moved in. Do I warn her or the agency I am going BR -…
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Querey
Hello all, this is my first post. i have a question, the company i work for want to issue me with a business credit card, who gets credit checked ? me or them ? My history > > bankrupted in sept 2001 , lost my business , home , the lot !! Now live in a rented house, married, two basic bank accounts, managerial post at…
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under IVA but thinking going bankrupt
Been under IVA for 1 and a half year . I never went to the free organizations about my debt I just googled it and now I am strugling to pay the bills , I'm already behind on the payments for IVA like 2500 pounds. This is not for normal payments for IVA this just the money I had left over after bonuses and staff but I didnt…
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Contacting creditors post bankruptcy
In addition to the excellent sticky by fermi: If you are telephoning creditors to confirm the address for the Data Controller & have access to a fax machine, it may be worth also asking them if they'd accept the letter & documents as a fax instead of by post. Two of my creditors were quite happy to accept a faxed copy. Not…
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Is it just me that's confused?
On fermi's superb Thread about CRF clean-ups he specifically asks that nobody replies. Simple enough language to understand and a perfectly reasonable request; what happens? Three other guys by the same name reply.:confused: :confused: Some people.:rolleyes: :rolleyes:
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Jobs and Bankruptcy
I used to be a mortgage advisor a couple of years ago before becoming self employed.. i'm pretty sure I can't do that anymore as it's regulated by the FSA. I just don't know what to do, i'm applying for jobs at agencies and they are looking around for me but I feel embarrased that I am having to move away from what I know…
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Getting ready to go BR - am I doing this right???
Hi everyone, Hubby and I have come to the difficult decision that BR is our only choice. We owe £60K :eek: which is ridiculous and we can never see a way out bar a nice lottery win. Hubby only earns £12K a year and I'm a stay-at-home mum so no pennies there. We rent a house, our car is worth £500 and we really don't have…
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Income on BR form
Hello again :) I'm part way through completing my petition online (how easy is it? just save & come back - much less scary than I thought) and I'm on the I&E bit. I've read somewhere that you should only list guaranteed income. I've put my Child Benefit and Child Tax Credit down in the 'other income' section but don't know…
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Yippee I can keep my car
My story so far. I went bankrupt on the 27 th of november , it was not an easy dicision to come to , but after adding up credit card and Loans up and being shocked at a figure of debt to the sum of £ 22500 . I soon worked out that being 56 yrs old , I probably would not live long enough to pay these debts off. I read every…
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CCJ or BR....
I remember a conversation I had with birmingham midshires 20 years ago after our house was repossessed and sold leaving a loss of £10000, they said they could make me BR (they didnt, surprise surprise) but didnt offer to attempt a CCJ to recoup the £10000, is there an upper limit on CCJ's? as it was we had an insurance…
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urgent help required
Hi all I have a friend who needs some urgent advice. He received a letter from a DCA today on behalf of HFC bank. It said they were going to issue br proceedings against him if he didnt pay the outstanding balance of £1,250. It also said that if it was paid within 14 days it would be set aside but on non-payment, a week on…
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Bankruptcy advice Please..... :(
Hi all, Im hoping someone can give me honest answers to BR? I have a mortgage of £163k, Secured Loan £12k, HP - Car £7k, personal Debts £8k and the General household bills...... My outgoings per month are £1800. My boyfriend and I was ok, financially coping with only the personal debt and mortgage etc, and had money left…
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Newbie needs some advice please
Hi the DFW forum said to ask here so I am asking :p This is my first time posting here so please be gentle :o I really need some advice re my financial situation. For the past 3 years I have been in and out of hospital having operations ans I was medically dismissed by my old employer. I managed to start a new job Jan 07…
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CCCS to undercut Debt Firms
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DMP or Bankrupt?
Hi , I have been in discussion with Payplan and they have recommended that i go on a debt management plan that will cost £350 / month over a period of six years.Does this seem about the average for a total debt of £25,000 don't know what to do next whether to do this or investigate going Bankrupt any advice would be most…