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Take Extra Care at ATM's PLEASE!!
I'm just letting you all know what happened to me on Tuesday so that everyone can be a bit more wary when using ATM's. I never thought it could happen, as I am usually quite wary and look for anything suspicious, but on Tuesday I had my account emptied at 2 ATM's. If any of you live in or around Epsom - please be extra…
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Bankruptcy and dependents going to university.
i went bankrupt in April and both my husband and my daughter are both going to university in September... what will happen with regard to student loans?
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Taking the step
Hi Having had the lightbulb moment, I'm now considering what my options are and wondered whether anyone could answer some questions for me ? If I do take this route, what happens re my property ? Next question is I travel for work, sometimes racking up 3 grand a month in expenses...what's the deal on credit cards after BR…
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To BR or not to BR
Single mum of two. Aged 37 My income is £1840 various sources (child tax/child benefit/maint) Outgoings as follows rent 625 gas 50 elec 50 water 58 c tax 86 tv lic 11 mobile 28 tel 30 car 43 petrol 65 bus 92 children to school shopp 300 smoke 20 Clothing 39 hair 12 hobby(sons) 48 p money 20 sundries15 DMP 100 Amount 1692…
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Hi - failed IVA - need BR help please
Hi - failed IVA - need BR help please
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National Lottery & Bingo
Hi All Just a quickie when your br can you still play the national lottery and bingo online,if so i know that if i ever won the OR would need to know but what amounts are we talking about? Thanks again:o
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Should 18y/o son move out?
Hi all, I was made bankrupt late last year and im with my wife who does not work and three children. My younger two are still at school but my eldest has turned 18 and left college 4 months later. My o/r at the beginning said i should be discharged in about 6 months. But when i received the discharge paperwork i stated…
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Out of curiosity........
I just wondered how many of you going through BR right now have been allowed to keep their cars...........and why they were allowed. .... I know Im being really nosy and you obviously dont have to answer but I ask because my OH is so very worried that they will take ours away. Has anyone kept their car where no IPA/IPO has…
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how long did it take you to go bankrupt
ours is taking ages going through cab but funding is taking along time
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Just been made bankrupt!
Hi - I'm a bit new to this so bear with me!! My partner and I were both declared bankrupt yesterday and although we should be relieved we are both on tenterhooks waiting to hear from the OR! our biggest worry is the car - my partner drives around 120 miles, five days a week to work and back which means he needs a pretty…
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So...i'm not bankrupt...yet!
Went for my BR appointment today only to be told i've gone to the wrong office, that it doesn't cover my area, the office in the town 7 miles down the road does. Got another appointment tuesday 10am at the right office. Not really bothered about waiting another 5 days, the clerk was good enough to check over my forms today…
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Help !!!!!!!!
Hi everybody I was wondering if anybody could offer any help - I went BR in March of this year and was told I had to pay £50 per month to the OR - I have now received a letter asking me to fill in the form for an income and expenditure questionnaire - I did this when I went BR - is this normal procedure??? My income then…
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Very unexpected early discharge @ 26 weeks
Hi all, when i got home form work last night i had a letter from the OR. Once opened it contained the document stamped by the local court saying i was discharged on the 2nd Aug, so 26 weeks and 1 day after BR. Did not have to fill out any form of second SOA for the OR, in fact since the telephone interview in March this is…
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OR interview from hell
Hi, I have had my or intrerview and i am really worried,she said she would not go to much into my i&e today but said i will have an ipa put in place in around 4 months time,i am really worried she will not allow me christmas and birthdays at all,save for holiday,lesiure activeties amongst others,when i asked how i will…
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Bankruptcy questions, please help!!
Hi, Thanks for taking the time to read this. Basically I am 22 years old and have debts excluding leased vehicles of around £30k. Although I earn good money and can pay these leaving me with around £400pm disposable income it is getting me down as I am working extra long hours for the extra money and am becoming seriously…
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Paying for Bankruptcy
Hi all, I'm new to the forums so excuse me if this has been answered before! My partner and I have decided the answer for us is to go bankrupt but we can't afford the charge of £450 each. I applied for a loan from Nationwide but as we don't have good credit rating it was refused as I expect it would be from any bank. How…
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OR question
just wondering... now I doubt anyone will remember me but I was made bankrupt on 3rd May, had my OR telephone interview a week or two later, anyway at the interview they worked out that I should have £20 or so left each month and that I would have to pay £104 each month for 36 months, after loads of fab advice on here I…
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OR and car question
Will the OR contact me to let me know if I can keep my car or will he just contact me if I'm not allowed to keep it?
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Form Filling
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Your reasons for bankruptcy...
...anyone else ramble on a little bit too much, have just copied it out for the third time, filled the space and about a side of the extra information sheets, all seems pretty necessary but worried i may have gone on a wee bit too much, have plenty more that can be explained when I see the OR, just feels a touch too much…