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Bankruptcy,benefits and DLA
hello, my husband is currently out of work and claiming income support/carers allowance. we have 2 children classed as severely disabled and received DLA for them. he has debts of around 15,000 as he kept having to have time off work with our youngest who has been very ill over the last year and he couldnt afford to pay…
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Having problems staying logged in....
........so please everyone don't think I am ignoring you, because I'm not. Will try and post where I can but may call it a night before I chuck the keyboard across the room. It's hard enough typing with one finger over a baby with out this.
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Loaned money from relatives
Hi, Just making the final final final check over the paperwork for my hearing on Monday (eeeeek!) :) I borrowed about £2,800 from my mum about a year ago, and have been paying her back slowly over the past year (in cash). As this was a loan from my Mum, I had thought of leaving her off the list, but thinking about it, if I…
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About to petition - advice please!! so confused.
Hello! I'm about to fill in the petition forms and am a little confused about the whole income and expenditure thing. I inadvertently spoke to an unscrupulous IVA company the other day (having been told they were a debt helpline) and the bloke said that because my husband earns so much (despite the debts being all my own)…
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Advised to go Bankrupt
Hi all new here, i was advised by payplan thhat bankruptcy was my best option and would like a few answers. i currently owe 31k to 6 creditors northern rock 19k loan mbna 3500 Credit card barclays 700 Credit card Lloyds tsb 2400 overdraft Lloyds tsb 3k Credit card Halifax 1k overdraft Egg Credit card 1k my present income…
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Tax credits gone into 'frozen' bank account
I told the Tax Credit people that my account was frozen, gave them details of my boyfriend's account to put the Tax Credits in, they said it would go to new account from now on, and I have just found out today that they have sent it to the old account. I thought it would be frozen from the day of BR, but it appears to…
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Help ! Due to go br today - but ill
Oh dear, woke up today with streaming cold, sore throat, cough etc. Was due to go br today, but feel proper poorly. I guess the stress has taken its toll. Do you think i should go and do it anyway, i would have to leave by about 8.30-8.45am, or wait until i'm better? So typical, i was completely ready to go!
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Had My Appointment With Payplan
And I feel like i've taken 10 steps back. They guy was useless. Said I should make an appointment with the CAB and take it from there. He said I should negotiate with my creditors on a personal level to come to an agreement about my debts. Didn't say anything about helping me. I have an appointment with CCCS on Wednesday…
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court date on 23rd - forms a nightmare - please help
Court date set for the 23rd- struggling with forms Hi readers, I had set up a full and final IVA which was accepted in October 07. The house had been on the market since March 07 with about £25,000 equity to give to various debtors that amounts to £51,000. The fixed mortgage deal I was in finished in November pushing my…
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I feel so much better today!!!
Hi all, I wanted to see if I am the only one who feels like this and more questions if I may. Well revealed all to o/h who was very understanding and agreed with the whole clean slate thing, was quite relieved really not much of a catch a divorced bankrupt:p But I am out of that frame of mind now, this is what I need to do…
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Bankrupt at 9.27 this morning
Well the day finally can when I was made bankrupt!I do feel a huge weight is lifted of my shoulders but still sad that it ended this way. It happened very quick I went to court last Friday to hand in my papers and was given today's date for the hearing I was expecting a couple of weeks wait not 5 days :eek: I got to the…
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Br and changing suppliers
Just wondered if anyone had changed their gas/elec suppliers whilst Br and what success they had, had. With them putting up the prices i would like to change if possible, but would i be accepeted by another company? if not, could i put the bill in my DD's name without any problems? Thanks
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Bankruptcy and husbands ...
If I declare myself bankrupt (the debts are all in my name only), does it affect my husband as well or just me? Many thanks, Ana
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The order of things
Hi all, I've just read through the paperwork again, and had a look through the guide for filling in the statement of affairs. The last point has made me worry slightly. I called the court on before new years eve and they gave me the 14th as my "date". Is this date to get the SOA signed and sworn? Do I then have to wait 2…
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Money im owed and the OR.....
On "D" day (or BR day), if im owed any monies by the late payers I seemed to attract having done work for, what happens to the incoming funds? it wont be much at this rate, maybe £300 (ish), thats WHEN they cough up, knowing my luck they will hear im BR as soon as i walk out the court and think they neednt pay. i wont have…
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IVA officially failed - What next?
I decided some time ago that BR would be a much better option for me than an IVA, (like 99% of people with an IVA it seems!) I stopped making my IVA payments to save for the fees, and yesterday I received a letter from my IP saying that my IVA had officially failed. In the paperwork that was sent it said the IP had no…
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Scottish advice please
A family member of mine is having problems with CSA and loan companies(I have posted re that on CSA Board). My question is that she bought her house in Feb 2007 under the government scheme. She pays mortgage on 67%. when house sells she gets 67% of the profit. She married in July 2007 but husband is considering going…
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Help and Advice Please.
Hi All, Where to start:confused: Beginning of dec, we finally admitted to ourselves we have massive debts and no way to clear them. We have both spoke with national debtline. With you help and national debtline we have hopefully secured a property to rent should move in 18th Jan. Credit reference ok? ( Don't know how) just…
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Benefits and bancruptcy
Hi Dh went BR in July 2007. The OR said he should be due for early discharge sometime this month. At end December dh was made redundant as the firm he worked for went into administration. As the company went into administration, we have put in a claim for notice pay and redundance pay with the DTI. It apparently takes…
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What is an IPA and why dont you want one?
Am once again in a pickle. Although I do want to have that question answered, am just all over the place at the mo. Am now officially on benefits as of today. I personally dont feel comfortable with this. I am a single mum of 3 (15months, 8 and 13) and am going for an interview for a full time job at the local hospital. My…