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Creditors
Not sure if I am in the right place but can anyone tell me if 49p in the £ is a reasonable offer in an IVA? Is a creditor likely to accept this? Any help would be greatly received, thanks xx
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Ringing the court
Right, I am going to ring the court on Tuesday to make an appointment for BR. Sounds stupid but what do I say or ask for? Thanks Stubie
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statements
:confused: hi guys ,we have filled in all the br forms and are good to go! can you please tell me what i need to take to the court to petition, ie do i take bank statement cc statements life policy etc or do i do that later? thanks, chris. sorry another thing, you all advise clearing out the bank acc before petition, wont…
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Forms nearly finished, only SOA left, eek!
Ok, so we have nearly finished filling in our forms now, just have to do the I/E so , here they are would someone be kind enough to just go through it and give any advice please? :confused: Monthly Income My OH av wage: 923.00 Mine 133.00 Child benefit 72.40 Working &Child tax 300.73 TOTAL 1429.13 Expenditure Rent 241.45…
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is it worth bankruptcy?
hi guys n girls. well i was with my ex for a few years and as he already had a bad credit rating and owed a lot of money, most things were gotten in my name, credit cards catalogues etc. anyway now hes left me with a huge debt, probably a minimum of 7 or 8 grand, and i have no way to pay it, i have sold most of what we had…
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Where is Blind-as-a-bat?????
Thought I hadn't seen any posts on here for a bit, checked and last actvity was 27.08.07???????? Anyone know where Blind-as-a-bat is and if he's ok?????
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Advice on - family arrangement or BR please?
Could anyone give me advice on the informal arrangement or family agreement. We are living beyond our means and have debts of £700 per month. I have just had a baby aswell as being made redundant so things are not going to get better anytime soon. We have looked into consolidation and an IVA. Neither of these are going to…
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Query re: informing OR of change in circumstances
Hi My husband and I were both declared bankrupt in January this year. He has now been given early discharge, and I have just been sent IPOQ, etc. He is discharged with no IPA in place. IF he got an increase in income, I understand that he no longer needs to inform the OR. However, would I need to inform the OR, as his…
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Help...... Tax Credits
Hi Everyone, I went BR 30/05/07, which i have to say was the best thing i have ever done!!! But today i have received a letter from the tax credit people to tell me i owe them £1800 as i have received to much tax credits. This is all i need worrying about paying this money back. Just need a bit of advice really on what to…
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OR Interview Cancelled
Hi, just wondering if anyone can give any advice please. OR has contacted sister to cancel telephone interview saying that it isn't necessary at this stage. Hasn't made another appointment or anything. Just wondering why this should be and if it's anything to worry about?:confused:
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Not sure what to do next????
Hi all first post so go easy please. Me and my husband have been reading these baords for a while and decided to contact CCCs about our debt problems. We sent all relevant info off to them and they were extreemly helpful, However have had a phone call today from them telling me we will be unable to go down the original…
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Please clarify IPA/IPO's and BRO's
Hello, I've read lots about BR on this great site, but please could you confirm or clarify the following points for me, thanks: In some cases a simple 'Correct' would be fine ;) 1. An IPA/IPO can only be applied during the term of the BR. So when the BR ends, maybe after 6-9 months, if an IPA is not already in place it…
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Job in finance - what now
Hi all I work in a management position (not directly related to dealing with money) for a major bank. It looks like I will have to make myself bankrupt as I am insolvent. One of the main groups I owe money to is my employer. In your experiences wnere do I stand. I am thinking of trying to get a lower paying job in a…
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Ridiculous banks
Hi all, I went BR back in June after being left with 40K of debts following sham of a divorce! Things are looking up now, creditors stopped calling and most sending letters-either way send letters to OR and let him deal with it. Been in quandry about house as sentimental reasons have been trying to hold onto, but…
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3 weeks and 2 days after bankruptcy has it changed my life?
I feel like I need to list how my life has changed, and this seems like a good place to do it! Firstly the bad things; 1) One good friend has distanced herself from me, must be to do with the bankruptcy as i'm a nice person and I haven't done anything to upset her. 2) A "friend" i'd known for 7 years actually said to me…
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Had OR Interview - Can't keep car :(
Eeee well I had my OR interveiw Tuesday and was told I won't be able to keep my car - Was told due to it being worth over 2k it wouldn't be an option to keep it. I work shifts and there is no public trasnport, plus I have a heart murmur and high blood pressure (not that this would make a difference!) - Anyway my car is a…
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Br?
after all dept is wiped, what do you have to pay? for how long? and how much? Also whats better being made BR or making yourself BR?
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Unknown linked addresses on credit file
Hi, Since early discharge I have been looking at my credit files to unsure all are marked satified and generally are correct. My Experian credit report is looking fairly tidy, but i have a problem with a couple of unknown addresses in the 'linked address' section. Upon closer inspection, the first is a incorrect digit in…
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soa questions
hi, im stuck on a few soa q's 1.on my unsecured loan do i put the total payable with the interest or what is owed as a settlement figure? 2.my wife is also going br closing down her shop ,should she put in any earnings that she has earnt or put nothing as she is not working anymore? 3.we lease a car through the business…
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bR and house
Can someone help me. What happens to a house following BR. I haven't heard anything at all. My house only has probably a couple of thousand equity in it but has a 8000 redemption fee. Bank is about to repossess unless I start to pay my mortgage, I have just got a PT job so can just about afford to pay it now. My question…