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Well its almost time for me
Hello all Well i tried on a limited budget to sort myself out and on the whole all creditors have been very aminable (sp) with me.....next will only talk to me depite me asking for writen contact only however they havent been calling....cap one said sorry for your problems yes well accept a revised payment plan well have…
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Well I'm going for it
I'm not paying my cards this month and will hopefully have enough to go bankrupt before my birthday next month(assuming I can get an appointment that is).It's stilla scary thought but I have come to terms with it now, especially as one of my credit cards is charging me £10 more interest this month despite me paying £196…
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Bankruptcy and loss of job
Hi again, sorry to bother everyone but I find this whole debt thing so confusing. We are in a lot of unsecured debt (doesn't seem a lot to some of you guys I am sure) but when it dominates your life it is a lot! Advised by payplan we are borderline at the minute. CCCS seemed to think we were really struggling. Agreed to…
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Reclaiming bank charges and filing for BR
If you are in the process of claiming your charges back and then go BR, what happens? I wouldn't be getting the money back personally as the accounts are with DCA, I'd just get the amount taken off the outstanding balance. Is it ok to persue it still at the same time as going BR? Should I either stop action and just get…
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New bank account
Hi. Wife and I went bankrupt today. We bank with Barclays at the moment, but as we have a £1700 overdraft with them, and are about to claim past charges off them, I suspect they won't value our business much any more. Where is the best place to start a new account? Thanks for any advice.
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Mortgage help and debt details
Hi guys I have read on another post that there is somethign called mortgage assistance what is this and how do you claim it, my partner lost his job and we were on JSA and we were told there is no help towards people with mortages only people who rent - seems silly to me. We are now £4000 behind on the mortgage also this…
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I'm faltering, any advice?
I didn't know whether to put this in the BR forum or here so I plumped for here. Anyway, I know people advised me against BR, saying that if we knuckled down we could pay our debts off ourselves but it just seems a hill too big to climb. I'm pretty sick of fighting creditors and waiting on negotiations that don't seem to…
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advice please
Hi all first time post, im seriously thinking about bankruptcy im just getting in a right mess so ive got to admit defeat, should i tell my creditors now and what kind of backlash should i expect off them, also my house is in negative equity would i be able to keep it, thanks for your advice.
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new today(bankruptcy)
hi folks,i am a new girl on this site and would welcome any advice for my friend concerning wether he should go bankrupt or not? he has debts of around twentyfive thousand pounds ,he was self employed but health problems forced him to stop work he is now on benefit with these debts,it looks like he is going to be on the…
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Advice needed urgently please
This is a complicated story, but bear with me! My dad went bankrupt in 1992. As far as we were aware, my parents house wasn't affected. My parents subsequently divorced, by my mum never had the house put in her name only, as she didn't want to rock the boat. My dad - an alcoholic - started proceedings last year, with the…
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bank account
Also sorry my wages are now getting paid into husbands bank will they want to indulge into his bank
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bankruptcy date
hi just rang court got my date 19th march of all days it is my birthday, really feeling sick can someone help what it is is that some of my circumstances have changed but i have printed of forms can i adjust them? Also what do i take to court?
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My Bankruptcy diary 5 months on...
Hi Guys, I havent been around for a bit, Im back now .. If thats OK wit'yall ?? :beer: I thought Id give a little update since my last diary entry. The last one was Dec 06. We were made B 06/11/06, all was going fine and dandy.. The usual DCA's were trying it on etc but all went well, the interviews, the consionce etc…
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Foreign Bank Account
Can anybody tell me if a foreign bank account is frozen when you go bankrupt in the UK? I'm not trying to hide anything (there's nothing in it) and I'm happy to show the OR details of it but it'll be really inconvenient if it has to be frozen. Does the OR have this power?
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Northern Rock Together Mortgage
Hi, Does anyone know whether the unsecured part of a NR together mortgage can be treated as a separate loan to secured mortgage as I want to put it down on my list of unsecured creditors and include it in a new CCCS DMP and pay the secured part separately by standing order. It's either that or go bankrupt but by the sound…
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Bankruptcy / IVA
Hello, I have posted several times and it has been fairly confusing. We are in debt to the tune of £20000 and have had concerns for a while. A brief assessment by cccs indicated us to be in difficulty, a chat we payplan suggested that at present we should be able to manage-just! Natwest Loan £17500 Next £500 Council Tax…
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Court Letters
I need some advise as to what to do. I got a letter from the County Court stating i had failed to comply with a notice from another court and that if do not pay the full amount they would send the balliffs round. However i sent all the forms back to the other court stating that i was trying to declare myself bankrupt and…
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Taken the plunge
Well, as of 11:59 this morning I am now bankrupt. The whole event was a bit of an anti climax. You build it up in your head and the reality is far different. We were asked if we'd taken professional advice then the judge made an observation that we'd probably lose one of our cars. After that she looked up at the clock,…
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what happens if you owe tax
and then your bankrupt? :o
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Tax code NT........
Hiya Last month I got sent a letter from the Inland Revenue to say that my code has changed to NT. I'm still paying tax on my part time jobs at the usual rate and wondered if that was right. Do the IR inform my employers that I am BR ? Does anyone know ? Thanks