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Made bankrupt today at 11.38!
Filled in the forms online on Monday, went to the court today - it was all so fast, I can't believe it. At court today there were another 7 people, we all went to see the judge at the same time and after about 3 minutes it was done. Thanks to everyone for your help! I think without this extremly valuable forum we wouldn't…
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Meeting with OR - Help please!!
I'm in court to go BR Friday 11th and straight afterwards to see OR. I can't remember being told to take anything with me, so I rang the clerk today and I have to take everything with me regarding all my debts!! At the court I'm going to they like to get it all done on the day. How far do I have to go back with bank…
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BCSC Member number update
Just going through the membership numbers as there have been a few recently - If there is anything wrong, any one wants a number or Ive missed anything could you guys have a peep over this... Cheers! * Me 1 * Richard s 2 * etlan 3 * Anniestar 4 * earwig 5 * minniespender 6 * Rog2 7 * bluezone 8 * Biffa 9 * Goldielocks 10 *…
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Advice needed for HUGE debts!
Firstly, I feel completely ashamed at the situation I'm in and can't believe how bad I let things get before realising what I'd done. Here's my story, I went to university and then drama school so left there with student loans. I've paid bits of them off over the years and now owe them about six grand. Other than the…
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money to live on etc...
What is considered enough to live on each month? If I'm currently on a DMP will they look at that as being able to pay back my debt even if I have to ask my parents for money each month etc I make £17,500 a year & have a debt of around £16,100. With my DMP I have around £200 a month to live on which is hardly anything &…
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CCJ and BR
I am going bankrupt JUly 15th...now I'm being threatened with defaults on some credit accounts...will they have time before July to raise CCJ's? Any help grateful of
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Why is dealing with the OR so scary
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Hello you fab bunch a quick update
Had OR telephone interview today he rang at 10.07 he went at 10.15 he rang back at 10.48 he went at 10.51 no intrest in house, thankyou very much was a lovley man very understanding said it was a straight forward case and that i would be a likley candidate for early release i think he said or something early anyhow. I have…
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PC situation, still freaking
Big day today, still freaking out on the PC situation (bought on credit end of last year, worth maybe £300 but paid £500 from a catalogue). Just wonder if the OR will give me a hard time for purchasing it but knowing I was in debt and struggling. I know, nothing I can do about it now and it's not worth them removing or…
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bankruptcy question for you
Hi all.going br soon..i have an outstanding bill from my accountants of £360 for last years tax return they did. i want to pay them before i go br.......if i send them a cheque or use a cc cheque how will the or view this ?, is it classed as a necessary payment ?, hope you wise owls on here have an answer or opinion on…
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OR update....
Hi everyone, I've not been around much lately. Very busy with the kids, and OH has been at home on his computer so I can't get a look in even in the evenings! Tonight he's playing in a cabaret performance! At 6pm this evening, just about to light the candles on my 5 yr olds cake when the phone rang.....the OR. She just…
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****urgent Question ****
Have an appointment on friday at the courts to start the BR rolling.This is only to submit the papers and to go in front of the judge. Will all bank accounts be frozen from tomorrow ?
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Having a Panic Moment
Hello peeps, A bit of background....... Back in Dec 05 my ex b/f (waster) drove my car while uninsured & crashed it. The car was undriveable as a result (or so I thought) and it was abandoned outside his house. I reported him to the police & he was later charged. However in the meantime there was a notice put on the car by…
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Sorry for the self indulgance but........
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I&E/SOAs Research
Hello guys! Now, as we have all come to find out, these boards are an amazing resource for those looking to find further information about bankruptcy through the various stages. Recently, we've been giving a lot of help on SOAs (or I&Es depending on where you're from) which has prompted a few questions for me. I am…
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Filling in BR Forms..HELP
Ok so we are having a bit of difficulty with this form and having a dull hour or two, (dull as in thick..Ha ha.) With the question dates cards obtained, do these have to be accurate ,or if not sure, what do you answer. Do we put details of new basic bank account and do you get to explain its for receiving your income. When…
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Income & Expenditure A/C
Life is an expensive business, especially for those of us blessed with children :question:, and when you have to sit down and fill in the dreaded Income & Expenditure Forms it's all too easy to forget some item of expenditure that could well come back to haunt you if you're required to pay an IPA. I've included a list…
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Car breakdown cover...
Hope someone can help with this...what is considered an acceptable amount by the OR either per year or month for car breakdown cover?
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Name in paper question
Anyway i can avoid my name in the local paper? I have had to move three times in the last 2 years because someone has been issuing me death threats (my boyfriends ex wife). This is the only thing that i worry about with reagrads going bankrupt as i really do not want her to find out where we live this time. I do not have…
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Help with IVA
Can one of my creditors ask for more money 2 days before the creditors meeting? What happened to the small amounts of £260 pm advertised on IVA websites? Our take home per month is £1350 (My husband is retired and he doesn't know about the debt so therefore I am paying off the debts from my own salary.) I am supposed to…