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On the road from Banruptcy to Freedom Mr-tonyc
Update !! My daughters boyfriend has had his OR telephone interview today who was most helpful.He has been told that he will receive a NT tax code which is Nil Rate and the money he would have paid in tax will be paid to the court until discharge.The only asset he has is a £1 premium bond from childhood which he has been…
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Interview tomorrow - I'm scared
Oh God, I have my interview tomorrow at the court and i'm so scared.:eek: Ive no idea what to expect, and really no idea what to expect during my Bankruptcy. I haven't managed to tell any of my family what I am going through, they will have opinions that I cannot handle right now. My husband who helped build up the debts…
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Debts and CHB
Can i put this idea across and see what people think. OH going bankcrupt which leaves me with debts of approx £5.5k, the only income i have is CHB(child benefit) in my name which would cover the minimum payments on my debts except for a joint overdraft which i would have to come to an arrangement with them to pay it off…
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new bank account statements needed??/
Hi, Just A Quick Question, Do I Need To Keep My New Bank Account Statements For The Or? Any Help Is Appreciated!
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Frustration with Barclays
I went into my local Barclays on 11th October and asked to start a cash account, they handed me forms which i completed them and handed over forms of ID, they said they would send them off and i should hear within a week. Yesterday still nothing in the post so called a number i found on internet, i think its a central…
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Bank Interview tomorrow - HELP!
We are due a yearly Bank Review tomorrow by telephone, it has already been hinted they will try and get us to take a loan to clear the O/D . We have cancelled a lot of our DDs and haven't used the account for a week or so and have drawn cash out to live on until our next payments go into our new account - what do i do…
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Help needed with Experian credit report
Hi, Hopefully someone can help me with this query. I was discharged from bankruptcy in May 2006 and I've just got round to checking my credit report. I'm finding it hard to understand something on the report, I've tried looking on the Experian site for answers and didn't find it much help, so i thought I'd ask here. Under…
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New job
Can anyone tell what is the best way forward. I am currently earning 750 per month and i want to go bk. I have been for a job interview today, which would mean i would earn 1100 per month. When i spoke to CCCS the lady told me bk was a good option. if i continued to earn 750 per month until discharge then it would be…
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Quick Question
Hi I'm a bit confused, OH is saving for fees to go bankrupt and has stopped paying his creditors, i am not currently working and have been advised by CCCS that i need to send a letter (which CCCS have sent me) offering a token payment to my creditors which i am in process of completing today. My question is do i send a…
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would bankruptcy or IVA affect citizenship application?
Hi all, would any of you good people know if a persons status in this country would be affected by BK or IVA? Our local Immigration advice office cannot give us definite answer. An application for indefinite leave to remain is to be made in two years time but we need to know if a bankruptcy or IVA now would adversely…
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Bankruptcy: is it right for our situation?
Hi guys, It's my first post here on BR forum although I posted before on DFW. My OH has 70K unsecured personal debt and is thinking about BR. We don’t have a house or a car. Our finances are totally separate, no joint accounts, and I am just a second card holder on his 3 credit cards. OH was made redundant and tried to…
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Confused!!
Hello everyone I am around 20k and at the beginning of the week spoke to CCCS, who were great. They said i had two options, or a debt management plan. I have been reading about each and i had decided to go with bankruptcy but now i have no idea. On the debt management plan it will take me 13 years to clear the debt on my…
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I & E
Could you please take a look at our I & E and give your comments 2 adults, 2 teenagers and an 8 yr old, Income 333 WFTC 236.55 CTC 426.06 CHB 183 TOTAL 1178.61 Water 42 Gas 50 Electric 49 Cont ins 12 Phone 53 includes 25 BT, 18 Internet and 10 mobiles tv licen 12 LA 21 Motoring repairs 25 road Tax15 ins 35 includes…
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You couldn`t make this up.........
Just been down to check the post and got a letter from Metropolitan Collection ...................first one ever, regarding an outstanding figure of £xxxx. States in the letter that they had received £xxxx towards the debt and asks when and how I intend to pay the remainder:rotfl: :rotfl: :rotfl: It felt really good to…
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Can I travel after Bankruptcy?
account no longer being used thanks to bullying from forum members.
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Changing 'Phone/Internet Provider.
I'm not sure if this is the appropriate forum for this topic, but here goes anyway. I am going through bankruptcy and I have cancelled all of my direct debits. At the same time, I wish to change my 'phone & broadband ISPs from BT & F2S to TalkTalk for both. As far as the broadband is concerned I used to pay by dd, now…
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Update & your help needed please!!!
Hi there, Further to my first post entitled any advice please.. I need some advice!!! I have phoned Payplan regarding my IVA and they have informed me that there are enough funds for them to make me bankrupt, obviously this leaves me not knowing when it will happen etc, etc as I will have very little control over it all…
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one big step to BR - questions
Hi again Just some questions that i hope some one could help me with. Still trying to go back to the BR forms to start filling in but all these questions keep popping up in my head. cccs advised me to stop paying my dmp for 2 months to get money together for fees, yes this is good idea but i dread the idea of threatening…
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What if I come into money whilst BR?
Just a question here.....if I was to say win some money on the lottery for example....would the OR take all of it???? I know when I was declared BR they OR said they would claim my assetts at the time of BR, however if I was to come into money they could claim this also......how does this work? Also my car was taken off me…
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Mobile phone contract ok for BR ???
Going BR in a couple of weeks time and I'm not sure whether I should just include my latest mobile phone bill with the list of creditors and kiss the contract goodbye, OR pay the bill in order to keep the contract going. What I need to know, is will the OR make me cancel my contract anyway and change to pay as you go, in…