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IPA question ???
Had face to face OR interview last Tuesday and my OR didn't even look at my SOA only asked why I thought I got into debt and asked questions about my DD and praised how well I coped and totally understood .... bless him he was so sweet .... I was so shocked that I wasn't quized about outgoings I didn't ask if that was it…
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need some advice
Hi i am seriously thinking about going bankrupt I am ashamed to say. My partner of 11 years left me on Feb we had a mortgage and a 75000 secured loan on the house, I also have numerous credit cards. Since he has left me with 2 small kids he is not paying anything towards the mortgage or loan and has got out joint account…
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Help!!
Heya, Currently my life is spiralling out of control. Last year, my husband and I started an IVA. All was going quite well, but since January this year we have split up. In the meantime he has been completely irresponsible with money and we have fallen behind on the mortgage payments for the house. We have tried to sell…
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Employers knowing?!
Hi all, Another question from me - I can see this becoming a habit! If you go bankrupt does your employer find out? Thanks! :)
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what will happen if I don't close joint account?
Just wondering as I have a joint account with my boyfriend that is currently about £300 overdrawn. I haven't closed it yet, a) because it would mean DP finding the money to get it straight and b) because I wasn't sure if it would make any difference whether I did or not. Can anyone tell me what the score is? I think that's…
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Can I cash in my ISA....
...which is worth about £500 and use it to pay BR costs? Or will the OR see that as being a bit dodgy? Not entirely sure where else i'll get £485 from! Also, aren't there certain circumstances in which you don't have to pay the full fees? I currently have no income (on maternity leave) but do you have to be on benefits to…
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Looks likeTSB are going to play dirty
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Bankruptcy advice re. accounts jobs
Hi Can anyone help? I've been considering BR for ages as have credit card debts >£15k that I'm currently making token payments to each month. I'm currently unemployed and trying to get back into work but the problem is my profession is accounts. I've got previous accountancy practice experience but am looking for accounts…
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where on web are BR forms
Lo all, I am from N Ireland and looking into going bankrupt. For the life of me i cant find the forms online anywhere to download - can anyone point me in the right direction? thanks
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First go at an SOA, advice welcome
Ok, so here is my first go at an upto date SOA (my old IVA one is now redundant as I don't have my car, and my income will be significantly less, plus I was only allowed £130 for household expenses - no wonder I struggled!!). One little problem is I have no idea what my income will be, almost certainly somewhere between…
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Outgoings can someone help/advise!!
Well here goes Theres me and my 4yr old I work full time DD at school 1/2 days till September Rent £420 Household £350 ( is this a bit high? includes house/cont ins) Gas/Elec other heating £90 Water £33 Telephone £30 Travel to/from work £90 Clothing £50 Council tax £92 Child Care £420 Car tax £16 Car Ins £37 TV license £10…
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yeah!! we did it !!
we was finally after sleepless nights declared bankrupt this morning :j the lady deeling with us was the friendly and nicest person we have ever met and very understanding she went through our forms with us then took the forms to the judge and they got stamped about 25 mins later :j we then went into another room where we…
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Inland Revenue & Tax man threatning court -not BR yet
Hi We have the IR and Tax man threatning court action. We havent even filed for BR what will happen does anyone know? Thanks
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Last Question I Hope (doubt it but I hope)
I pay into a local authority pension scheme and the form asks how much is the pension worth, I dont know and looking at my last pension statement I still dont know, should I leave blank and take pension statement with me to court?
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Abbey Mortgage
Spoke with Abbey today, they are happy for me to Voluntary Repossession and sell my house (88k outstanding) on the understanding that any shortfall in payments, fees etc are payable from myself. Potential 28k equity if i was to reach asking price, i wonder what the OR will say at my interview when i tell them i have passed…
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More Silly Questions
Sorry but starting to get in a panic now but Under listing assets do I include my computer and printer even though they are from one of my catalogues and not paid for yet (computer)? TV, video & DVD player (TV about £70, video £50 and DVD Player £20 and the usual fridge freezer ) Under the Question: Please provide details…
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Bank account question
Hi just wondering who you all managed to get a bank account with after bankcruptcy? i know it will have to be a basic account but is there anyone who would offer me a cash card that i could use to pay for shopping etc with rather than having to draw money out? thanks
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Hang on, let me get this straight....
So a secured debt isn't cleared by bankruptcy, and that includes the cars. So my advice from the CAB to stop paying them was bad surely? Because whatever happens I'm still liable. There won't be any "equity" in the cars because of the type of finance deals they are. I know I keep going on about the cars but I don't…
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Terrible Situation
this is tricky,so bare with me.im currently going through an iva,i borrowed £44k unsecured for my brothers business which he went bust,leaving me with the debt.we also bought a house to sell which he lived in,my IP said sell the house and make a one off payment of £22k,no problem as my brother had relinquished any equity…
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debts after discharge
Hi All I've recently been discharged from BR and have been checking my credit reports. I've found 2 CCJ's that were processed a month after I went BR. Clearly the debt was accrued before my BR (they weren't mentioned in the BR as I don't know what the hell they are!) - can I get them satisfied or will i be liable and have…