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bankruptcy and ebay
am I allowed an ebay account to sell personal items if im bankrupt? ive currently got one and go to court in April, do I close it down?????????????
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Bankruptcy, IVA or DMP? I'm confused
I've just been going through my draft income & expenditure, & think I've included everything that needs to be. However, it shows that I've got about £170pm income left over each month after meeting all the bills, paying the token repayments etc! :eek: I don't seem to have anything like that free each month! :confused: I…
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BR - minimum amount owed?
Is there an actual threshold on debt to make yourself bankrupt? I hear the figure of £5000 thrown around but is there an actual legal figure you need to owe before BR would be granted? Or is it just all about what you can afford to repay?
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Tenancy problems in an IVA
WHy are banks and credit score companies viewing an IVA as bankcruptcy???? I have posted on the DFW too as am really concerned that my husband (we are seperated) can't seem to get a tenancy agreement with out the agency or landlord expecting 6 months rent upfront....how can he get somwhere??? We were seriously considering…
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Citibank Declined my application!!
First of all.....Hellooooo from a newbie!! :j Well, as the title suggests, i attempted to open a Citibank account so that i could benefit from a debit card, however, due to me being a discharged bankrupt (3 years ago), they have decided to decline the application. Are there any other banks offering debit cards that are…
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i`ve done it
Hi everyone I`ve done it I was made BR at 10.00am on the 12th march 2007 . what a great feeling . i did not have to see the judge , at 9.00am the clerk check my forms i alter some which i had done wrong i payed my £475 but because i am getting child tax i only ended up paying £325 , so to get back £150 was nice. she told…
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Bankruptcy and Nationwide
I just got back from town having gone into Nationwide to open a basic flex account. I took in all my ID (passport, bank letter, credit card statement - even my BR certificate) and they told me it'd be a 5 day wait while head office processed it. Now i understand the card being 5 days but they wouldnt even give me an…
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creditor to instigate bankruptcy ?
Hi I was wondering if anyone can help me. My husbands owes £3053 to Bank Of Ireland. We have today received a letter stating that they are going to instigate bankruptcy proceedings. We have tried to offer them token payments but to no avail. I am not sure if this is a scare tatic or for real. What i was wondering if they…
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How far can doorstep recovery go? - Please help
Hi All, I am going bankrupt and currently saving up the fees for it. I have had a letter from a solicitor saying that they have passed my debt to their doorstop recovery team who will visit me shortly. The company is 'Scotcall Ltd'. It says 'The doorstep agent is instructed to collect the amount due and to compile a…
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OR questions
I was just rummaging through my papers (going to attempt to open a new bank account shortly, so theye ID) and found several cards/accounts that are dormant. I dont think i listed them on the SOA i petitioned at court. Is it ok to tell the OR once i have the phone interview? I totally forgot about them when i was preparing…
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Trust Deed
Hi Everyone, Not sure if this is the right board. I wanted to show some support for all of you going through or been through bankruptcy. Although I was not technically bankrupt - I have been through a Scottish trust deed, having had it officially declared finished in Jan this year. I wanted to say that it has been a…
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BCSC Members Notice AGM 2007
Hello Chappies... Trust we are all well.. As Board President :p :p :p I announce the creation of the BCSC Annual General Meeting. Only nice people can come, with no nasty people allowed !! It may be a logistical nightmare, but with the right people in the know etc etc.. I reakin we could hold our very own AGM... Natrually…
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my bankrupcy has just meen passed - help
i thought i could deal with the bankrupcy after having debts of 36k round my kneck for 10 years but i have just filled in the book for the OR and feal sick!! My income is about £1200 after tax and my out goings are just short of £900, will the OR get an attachment on my earnings, if so how much do you think it will be? I…
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Bankruptcy Advice
Debts are getting out of control, have been advised to go bankrupt. I have no belongings to sell and I am about to move in with my girlfriend. Does any of her belongings, money, house etc get affected? I have been told to stop paying my credit cards and wait till they take me to court. Is there any way of speeding this up?…
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Bankruptcy from abroad.
A couple of years ago my husband and I remortgaged our flat in the UK to put down a deposit on a small house in France for our retirement. Since then my financial situation has gone downhill due to the upkeep of two properties and my husband's increasing ill health. We are now in the situation where I'm going to have to…
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Afraid
Hi I am a very nervous new comer but I checked out other people's comments and thought I would get a bit of advice about my dilema - I have an appointment this week to go and see a debt counsellor to help me fill in the forms to go Bankrupt and I have not got a clue what happens other than what I have read on your website…
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Have you experienced bankrupcy?
We have been contacted by the producer of a programme on BBC Radio 4 called 'Between Ourselves'. It's a half-hour interview programme which brings together, in conversation, two people who have a shared experience or occupation. She would like to make one of the programmes in the forthcoming series with two people who have…
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Got stuck in a thread
Well I'm just not very good at this chat room malarkey and saved a thread as a favourite. Went visiting and saw there were loads of them! Doughnut or what! Anyway, thanks for my number - helps to know there is help out there and a good thick head helps dull the pain sometimes - currently working towards one. Am currently…
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desperate
Hi is there anybody out there that could help me I have got myself into a real mess. I have debts of approx £26,000, I own my own house which is worth approx £99,950 with a mortgage of £66,000 outstanding - I know what you are going to say well there is equity there but I have been refused for credit so many many times…
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Im not having a go...
.. but Ive just seen this section and probably should have posted my other thread on it.. I run a small business and someone owes us money and I have had to pay out another substantial amount to get a charge on his property so that I will eventually get paid should he make himself bankrupt. Just a question to anyone who…