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BR and where I'm living
Hi all, I've got my BR papers from the court and before I fill them in I need some advice. I'm currently living at my girlfriends house, which she owns (except for her mortgage) and need to know if there will be any repercussion of my BR on her and her property - ie, credit rating, bailiffs, etc. Many thanks for the help…
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Mortgage Lender actions threat bankruptcy/reposession
Hello everybody, I am trying to sell my house in order to avert bankruptcy and reposession. Unfortunatly, my mortgage lender insists on a sum of £2600,00 above the agreed sale price £95,000,00 (I am getting no money out of this whatsoever!) due to the Early Repayment Charge. Is my lender acting unreasonably? And if so can…
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bank accounts...again
cutting a long story to a minimum. Went bankrupt, had no accounts to close. Tried to open co-op cashminder and declined. Tried natwest basic account and declined. Anybody have any ideas??? it seems nobody will have me. thanks
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Help!Together mortgage no equity will they take house?
Hi, I'm thinking of going bankrupt. I have a mortgage which is made up of 76K secured, 20k unsecured, a value of 80k (so no equity) and other debts of 25k. Will they take the house off me if there is no equity? Also does anyone know how it affects your chances of buying a house in the future? Any help would be appreciated,…
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Any Help Will Be Grateful - 45K DEBT!
Hi all, i am new to this and would be grateful for help in my questions below I have just told my bf (of 9yrs) how much i am in debt he went mental :mad: at first but is worried for me we have a 9 month old baby together. We rent our property privately and all rent council tax & utilitys payments are up to date so it is…
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Nationwide.... They said Yes!!
Hi Everyone, I was declared BR yesterday. Went to the Nationwide this morning and was able to open an account straight away. Is a basic account for wages and Direct Debits. The manager even asked if i wanted an overdraft!! but i declined:D . Sweedart1 x
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is bankruptcy the right choice?, YES IT IS
I had big reservations for 6 months whether to go Bankrupt or not or should I continue with my gut feelings and go on an IVA as I was honestly prepared to pay what I could afford to my creditors. My story is below, hopefully to give advice to people that think their situation matches mine and hopefully give them hope and…
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Is there life after bankruptcy?
Hi My ex husband is thinking of going bankrupt (currently in talks with cccs about his situation). We've got two young children together (hence the continued interest in what's going on). If he does go bankrupt will he ever be able to get credit again? What if he needed a new car or mortgage? Will my address be affected as…
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The OR and my IPA of £156
Well guys, as you know, I had a letter in April from the OR asking for an IPA of £156 per month. Not sure why, but this made me wonder if my I&E was correct, and I ended up going through it with a fine tooth comb. Anyway, I've heard back from the OR. So, here's what I got: Rent: 600 Housekeeping: £184 (Down from £200,…
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Alternative to finance to get a car?
I have been offered a fantastic new job that pays more but gives a car allowance rather than a car itself... As a discharged BR, what options are open to me to getting a proper car rather than a £500 old banger?
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Selling your house & renting it back question
You know those companies who buy you house from you and allow you to rent it back from them? Do they do a credit search? Do you have an automatic right to stay after it's been sold if you are a tenant in the property already?
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I could cry
For those who dont know I was declared bankrupt on Friday 25th May (last week) and I am still waiting for that feeling of elation to come. I now have to face the OR interview and I dont know when that will be, but I hope it happens sooner rather than later, I am really dreading that as the OR clerk I dealt with spent most…
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So, what do you make of the MSE make-over?
It seems awfully squashed to me. I do not want to change my screen size though as I'm a creature of habit but it's annoying that the right hand side isn't visible unless I scroll over. And, it appears like the forums are now squashed and crowded. Not as easy to read to me. What do you think?
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Couple of bankruptcy questions........
I'm a year into an IVA - that's failing miserably. The IVA supplier called me today, after receiving my current income/expenditure for my annual review. The IVA supplier have advised me to go to the CAB and discuss bankruptcy. My IVA payments up to now have been £280 per month, which is crippling me. As the amount I can…
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I feel like I'm treading water a bit...
I have a week left in my current job, then a weeks temping for a friend, and then a week I don't want to work so that I can get all this bk malarkay sorted, then hopefully I will be working part time, and then I will be getting myself along to the court and getting this done and then, finally, starting to get my life on…
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Im Back, Its done and im still alive!!!
Hi Everyone, What a long day!! After many sleepless nights, i was declared bankrupt today!!:j On entering the high court (9am) i thought i had walked into hogwarts, its so big and very grand, i expected harry potter to pop out at any minute. The staff there were really friendly and understanding. I had someone from the…
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Has Anybody heard from Tight Jock?
Good afternoon all, Has anybody heard from Tight Jock? He hasn't posted since 19th May, and I think he'd had some health problems. Regards Richard
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What do yu wish you knew before you went BR?
I have started this thread to try and get some advice from people who have gone through bakruptcy or are in the process of doing it atm. I'm considering my options (still!) and would like to know if there was anything unexpected along the way that you feel might be worth knowing/considering before I make my final decision.…
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Received somebody else BR letter!
Hi, My BR has gone well, I get to keep the car, so, it won't be Toad Away! However, I will be getting a zero tax code and have to pay the money to some guys called Clarke Willmott. However, in with the letter was another letter, address somebody else! So, if your initials are LD and you live in Lyme Regis, I hae your…
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A little message
First of all I don't mean to be offensive, I only post my viewpoint and respond to individual threads on their merits. If people post negative comments directed against me as a person I ignor them. I don't agree with bankruptsy in most cases as there are ways around it even if it takes decades to clear the debt. I…