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HELP please bankruptcy I'm confused
hi, Any advice would be really great. I currently have a appointment for bancruptcy on 15th of august,ihave debts of around £26,000. I have spoken to National debt line who have told me that bancruptcy is a very valid option,i have no assets. Having spoken to cccs today i feel very confussed as she recommends a DMP saying…
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2 silly questions
It has been a while since I asked some questions, but here are 2 really silly ones: 1 - My BR details have appeared in the London Gazette (over a month ago), but I haven't seen it in my local paper, does this mean I have missed it, or it could still appear? 2 - Does the OR ask to see new bank accounts, reason I ask this is…
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Friend's request - is this ok?
A dear friend of mine was made bankrupt last year Has £11k to pay within the next 2 years for the house but there is no way she can come up with a lump sum so is intending to start paying installments. Has said the money cannot be seen to be coming from her. Her hubby is probably about to go down the bankruptcy route too…
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Tax from bank accounts
http://news.bbc.co.uk/1/hi/business/6272082.stm This is bound to affect some here... Money owed to HM Revenue and Customs (HMRC) could be taken automatically from the bank accounts of people who have not paid taxes, officials propose. About 200,000 people are chased through the courts each year but the process is regarded…
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cant get credit can anyone help
been discharged for nearly 2 years now and i still can't get credit. i really would like to rebuild my credit score but don't know how :confused: cant get any credit mobile phone switch card/visa card nada nothing
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Joint or Single BR
hi, my partner and i are both declaring ourselves bankrupt. My question is on our expenditure forms do we do the totals as a couple or single, we also have one child together? I dont work and dont pay for anything, but my boyfriend works and he pays for everything, the debt is all in joint names. Thanks
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Help With Bankruptcy Arghhhhhh
can anyone give me any advice on this please, me and my partner are currently in an iva but we had alot of problems last year and now we cant keep up with our payments as a result we are £2200 in arears we have looked into bankruptcy and the clerk told us that we should be allowed to keep our nationwide flex account open…
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Can I please have a bankruptcy number please?
thank you :)
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Bank accounts for bankrupts
Hi Altough I've just read a post about bank accounts, can anyone tell me is it always possible for a bankrupt to get a bank account as it is nigh on impossible to live without one now. I don't know of any employers who don't need you to have a bank account to pay wages in. A friend's daughter and husband are going bankrupt…
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Going bankrupt on weds 4thp-help!
Have a few questions What do I put for reason for debt on credit cards?There wasn't any specific reason-it was all food/travel/furniture etc I can't remember the dates when I took any of the cards out-can I just put rough dates? Does £450 a month sound about right for 1 adult and 4 children and various pets for food etc?…
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Rebuild a new credit file while bankrupt
I am currently an undischarged bankrupt. I have a four yr restriction imposed so to start rebuilding my Credit I am looking at a minimum of ten years which I am not best pleased about. Ideally I would want to buy a house in the future. I stumbled across a post on here saying that someone accidently built a new credit file…
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I feel devastated!!
My OH presently owes approx 100,000 and has no way of paying it off. If he goes bankrupt he loses his job (for sure). He's been bankrupt before and 6 years later his discharge was refused (I checked London Gazette because he can't remember). If he was not discharged am I right in thinking it lapses after so long?? and if…
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Advice required please - being made bankrupt by creditor..?
I have received a letter from bishop investigation on behalf of another company who are (as advised by my creditor) acting on behalf of my creditor. I owe just under £3k to this creditor although my overall debts are in the region of £45k. I was looking at declaring myself but have not had the money to do so. I am almost…
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I&E Any Advice.
Hi, Has anyone got any advice, i have been searching through other threads to try and see if anything is relavent to me and i came across a question regarding ctc and cb that says that it is disregarded as income by the OR just wondered what anyone thought on this. Also on the form it asks do you have use of a vehicle that…
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Online form panic! Please help!
A quick question please as I'm panicking! Just filled my forms out online. For the assets referring to cash, as in cash in hand etc I have left them all at 0.00 on the online form, so when I go to court I can correct them in pen (as I believe I'm allowed to do) with the actual figures (not sure what they will be just yet).…
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frozen account help
went bankrupt recently and pre bankruptcy opened basic bank account as advised, started using the account week after for payment of wages etc, just received letter informing me bank account frozen, trustee has asked for bank statements to see if he has any interest in account, it is an online account i have no paper…
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Another form- filler in needing help.
Ok thought i was doing well then came to section 3. Assets. Can anyone tell me (i did do a search before but coudn't find an answer) in the section marked cash in BS or similar, do i put in the fact that TODAY i have £800 in the BS,:T but thats wages and such like; by this time next week it will all but be gone on rent/ct…
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Finding the Br fee
Like many others i'm really struggling to find the Br fee. I was told by National Debtline about charities or water companies that can help. Can anyone tell me if they have tried and been successful in applying please?
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Just had OR face-to-face meeting+ my Outgoings-for interest!
Hello all, Had my OR face-to-face meeting (involved house being surrendered & multiple unsecured/a mortgage shortfall & IR & NI tax debts). The whole meeting lasted 3 hours. The OR was very friendly, whist obviously asking detailed questions about how I got myself in this situation, etc... I made sure I bought ALL the…
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Paying for BR.PLEASE HELP!
hi Havent posted for a while as have head firmly buried in sand but have finally got it out and have filled in the BR paperwork!!Horray!!!!! My next problem is paying for the thing! My husband and I are not working, he is claiming job seekers allowance and I am a stay at home mum. Our business failed and that is why we are…