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Karma always comes back to get you !
Evening all... Bit of quite welcoming news for me today. Most will know the fight and struggles I had due to the Pub lease I used to own, and its demise brought me to this fab area... and Bankruyptcy. Well... The Vile VIle man who owned the company, has himself now gone bankrupt. Is it bitter sweet revenge, Karma... Or did…
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IPA's post discharge
I was discharged in April 2005 after being made bankrupt in June 2003. I have just received a letter from the trustee which has just been appointed (almost 4 years after the event) asking for my income details. I partly owned a property at the time of my bankruptcy, and am happy with them to have that share of the house.…
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Acceptable for BR??
Hi there, I've been hovering around the forums for over a year now and having spent many many hours reading through both the DFW and BR areas however I have only just come to the conclusion that BR might be the only way forward. I've compiled a rough summary (based on last month) but in reality it's pretty much the same…
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On line forms
Hello I am filling the online BR forms in... I am with a partner we have two children i do not work i have post natal depression......my only income is child tax credit and family alowance I am the one going BR i have no property no assets the debt is mine soley non in joint names we have seperate bank accounts.... I wrote…
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Help!! and SOA
Hi All, Well, I am finally trying to face up to our debts (although it is difficult as OH is reluctant to do so!). Can I take you through what has led us to this position? We got into quite a lot of debt when we were younger going to uni, setting up home, getting married, spent too much money, went on expensive holidays…
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OR interview Friday
I have got my OR interview on Friday. Couple of questions: 1. What do I need to have with me when they phone? 2. What will they ask? 3. They said they are going to phone on my mobile phone even though I also gave them a Landline number. Should I phone them and check on this as I thought the phone had to be a landline? many…
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Council tenants & bankruptcy
Hi, I hope you can help. I've looked through the threads & have found info about those who pay mortgages or rent privately, but I can't seem to find any info on how bankruptcy affects existing council tenants. I've got a secure council tenancy. Once I have been decreed bankrupt, would the OR or other bankruptcy-related…
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lots of debt - where do we start?
Post moved to DFW - Thanks guys
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count down begins today
Hi everyone just to let you know that i go to court tomorrow and i am really am nerveous ,what can i expect to happen , what will it be like, just will be glad when it will be all over, has my health is suffering . if you pick me up and shake me i would rattle with all these tablets that i am takeing. lol :confused:
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Insolvency Service Demand Urgent Response Needed
In March 05 my daughter lost her job and was unable due to unique circmstances to claim any money her position was therefore destitute. Knowing that she would be in a position to repay me on the transfer of her joint property to sole ownership to her ex husband I agreed to lend her the money for living and also for the…
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Question about the OR
Hello All. I have my court hearing on Monday for BR, but i have a question regarding the OR. My BR form is transparent with all things listed as they should be, however in his report or investigation into affairs, how far does the OR look? Is he/she going to check every transaction, credit agreement you've ever made. My…
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Applying for a bank account after BC
Just a quick question re-banks Most of the banks listed as being available to undischarged bankcrupts I have a history of debt with. Nationwide, Barclays, Co-Operative. Would it be worth applying to any of them, in anyone else's experience have they managed to get an account with a bank named in their bankcruptcy?? Who…
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Stress stress stress
I was hoping to go BR next month but it might have to wait till May :( I got a letter from work yesterday saying I have to do my 4 weeks notice (even though I am off sick and will be till the end of my notice) so my last pay slip won't be till April 18th, which means I won't get my benefits sorted out till then either!So I…
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About to go bankrupt & I'm sweating buckets
I've been advised that I should go bankrupt as my outgoings exceed my income by a good £200pm, & it would take me over at least 10 years to pay everything back even at the most I could genuinely afford each month. My main question is about banking. What interest does the OR take in your finances once the bankruptcy has…
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Bankruptcy and Landlords
Hi My Husband, 2 children and I live in private rented accomodation and are in debt to the tune of £30,000. we are a borderline case for IVA otherwise its bankruptcy. I am concerned that my Landlord will find out about the bankruptcy as I know he doesnt tolerate bankrupts (but we have never missed paying the rent.) Can…
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Tricky Question about OR & Cash
Hello Board I have a little problem i need advice on. I am about to go BR and might have done something silly, please i feel bad enough as it is, so dont judge me :eek: Ok throughout 2006-2007 i have been out on occasions, not spending loads but enough (i know this is bad) however i happened to take out far more cash then…
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overpaid tax credits
got phone call this evening to say i owed 1400 in overpaid tax credits can i put his on my bankruptcy forms as not sure as it is the inland revenue thanks
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thanks
sorry cant sleep but would like to thank everyone on this forum u give me so much support and make me feel like a better person really cant wait for my court date 19 march but got so many adjustments to make on my bankruptcy forms how thing do change from day to day hope the judge dont mind god i feel so ill with all this…
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I Dont Understand Plz Help
Hi nightowlers Okay so you go bankcrupt and it last for 6 yrs,,,? so whats this discharge about what does that mean as i am reading people say i just got a early discharge why how whats it mean arghhhhh my head is hurting all this info to digest jo
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New to this.
Hello everyone I'm new here but have been reading this site for a long time. Today I had an appointment with CCCS, who were very helpful and they suggested Bankrupcy. I am £10,000 in debt and I am considering it. The thought of paying for 10 years on a plan wasn't so good to hear. The information they are sending should…