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Beneficial Interest...
Hi all, I have been considering applying for bankruptcy for some time now and have a few questions regarding 'beneficial interest'... I won't go into my full situation again here, suffice to say that I am on a DMP with the CCCS at present and they fully support the notion. I have no equity in my property. It was valued a…
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Any Advice,question Why Do You Think You Do Not Have Enough Money To Pay Your Debts
Any advice please, I am not sure what to put on the question regarding not having enough money to pay your debts,i know it is obvious but i don't know how i should explain it,do i give a brief story of my situation or just say that i don't have enough coming in to cover the outgoings,but it is asking for reasons. any…
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Can someone put the link on for the Bankruptcy Supporters Club web address please?!..
I've lost the link and can't find it through google. Much appreciated
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BR and benefits
Hi, This is a bit hypothetical, as i haven't made the decision to go bankrupt yet, although i am thinking about it - i get tax credits and housing benefit, paid into my bank account, so if my account gets frozen, what happens to them - do i ask for them to be paid into a different BR allowed account? Obviously i would need…
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discharged bankrupt...help with getting a loan
Hi, can any one help me? I am trying to get a loan...but i cant. I assume it was because i was once declaired bankrupt. I was discharged in april 2005. I checked my credit report with experian and it has no record of my bankruptcy on there. My credit score is 971/1000. I have credit cards that I make minimum payments on…
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Tracing My Debts
Hello, I was just wondering if anyone has been or is in the same situation as I am, I am currently trying to track my debts down, and have got the forms to go off to the credit reference agencies, how far back do I ask of my addresses? seems I have left quite a trail over the years, idiot that I am, I have been running…
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Thinking Of Going Brankrupt..advice?
Hi all, My story is think, owing 15K to two loan companies (natwest and virgin) and 3 credit cards. All in all, it comes to about 15K I am currently living at home with my parents at 29 (sad i know but will be moving out soon!). I earn roughly about 1100 pcm and after my debts have been paid and bills, i'm left with about…
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Bankruptcy and Benefits
hi i posted here the other day about my husband and his possible bankruptcy. He is off work again and has been signed off sick by his GP. he says he cannot cope with work and i dont think he will go back. we saw a lady from the benefits office yesterday and she went through everything with us and we are going to apply for…
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Am I allowed Pilates classes ?
Hiya I just wondered whether the OR will let me include my Pilates classes as a viable expense ? The reason I ask is because it is the only execise I am allowed to do - I have a connective tissue disease that makes all my joints fragile and prone to dislocation - OUCH !!! I cannot get these on the NHS and have been advised…
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BR & Tax Credits
Hi, I went BR not long after my partner and step-children moved in with me. The expense pushed me over the top financially. I should soon be expecting to fill out another SOA. Which, hasn't changed much at all. However, we still haven't claimed Tax Credits. If we do claim, we expect our income to then go over the…
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trust deed diary (scotland)
well it looks like a trust deed may be our option being in scotland. as i have stated in another thread the cccs reccommended bancruptcy or a dmp over 42 years. see thread http://forums.moneysavingexpert.com/showthread.html?t=472208 at the moment our outgoings (credit card and loan minimum payments) are more than double…
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Mobile Contracts
Hey everyone. Have a query and thought who better to ask than all you helpful peeps. I have a phone on contract with orange and I am aslo booked in for my Bankruptcy hearing at the end of the month. I have about 2 months arrears on my phone bill. Does anyone know if I can cancel my contract and include it in my Bankruptcy?…
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Gas and electricity arrears
Has anyone any advice i am in debit with both my gas and electricity i am paying both off one by direct debit to cover what i am using plus the arrears and the other on a gas card,national debtline tell me that i need to include them in my bancruptcy is that right,if i do what happens to my supply. thanks
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Keeping current accounts after Bankruptcy
I am going bankrupt on Wednesday for about £11,000. I have a graduate account at Natwest with £2,000 overdraft (currently at -£1,800) into which I pay all my money into and use for all my bills. Is it ever possible to negotiate with Natwest that I keep the account as a basic current account (with no overdraft) after my…
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HELP PLEASE I am worried
please any advice i am really worried i have been having a live chat with a myvesta advisor and she tells me my bankruptcy can be refused as i have only missed one payment,but i have only missed one payment as i have lived off nothing,im worried now,is the judge likely to ask. on the question from what date have you had…
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OR Interview was too easy?
Firstly thanks to this board for the silent support and information it has given me over the last few months. I went BR on 26/06/07. The OR called 2 days later to query Holiday Savings on my SOA and the condition of an asset, my laptop, which I listed as damaged. He seemed happy with my explanations. My SOA was listed as…
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BR dates /OR Interview
I am starting this thread so people can share their experiance of the process as it was mentioned on another thread that it could help. please add Your court date /place ,Date of OR Interview and general experiance i think this will help alot of posters that need reasurance. I will try and keep it on the front page :D
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Early Discharge
Hi I am wondering if, everyone who qualifies for early discharge, receives SOA's to fill out a second time. I mean that after the original declaration at the time of Bankruptcy, has evreyone who has received early discharge, completed updated SOA's. Has anyone, done nothing and been discharged? About 3 weeks ago, I…
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Going bankrupt - just need a bit of clarification
Hello, New person here, but long time viewer of the boards! I've been in a bad situation for around a year now, and it's got to the point whereby after a lot of meetings with the CAB that bankruptcy is the only option for me, however I was wondering if anyone could just clarify one point (as it's the one thing that worries…
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to do or not to do
hello, im new to the forum, its very interesting. my situation is as follows......i owe approx 4k in bank loan, 12k on credit cards. im on benefits long term. my partner does not work. we live in an housing association home on full h/b. reached the point where its starting to hurt, and my thoughts are as follows......if i…