-
i owe
Just worked out what i owe 23,640.26 what do i do. ive got letters to send from the cccs offering 1 pound a month or payplan it sounds good.I was going to go bankcrupt but just started reclaiming my bank charges. Anyone help im on benifits.:confused:
-
Please advise
Hi all, I did a search on the Insolvency website (I had some time to spare at work!) and found out that my uncle was on there. It said on the screen that he went bankrupt in 2000 and that he is still non-discharged indefinately due to some clause that said he didnt cooperate or something. Anyway I mentioned this to my dad…
-
advice on defaulting on loans
Hi, my business is in the process of going down the pan and one of the biggest debts is the original bank loan, backed 75% by the DTI through the Loan Guarantee Scheme. My bank manager has hinted that defaulting on the 75% would not be difficult, but that doing so would put a black makr against me. does anyone have any…
-
What happens to my pension in Bankruptcy
I am thinking of going bankrupt next month but im worried about what will happen to an army pension i am due to recieve in 30 years time having served 12 years. Can it claimed so far after the discharge ??? Do i disclose it even though its payable in 30 years time. Any help would be well recieved
-
newbie needs advice
Hi All, I have just discovered this forum by chance and i thought i was the only one with problems :o Can someone advise me if possible .... I have had debt problems for three years now owing a total of £50,000 + to around 15 creditors .. they keep chasing and hounding me with all sorts of threats . Ok i can live with…
-
Listing assests.
Where do we stand on listing assests which belong to our kids - ie computers and bikes bought for christmas. WE've nothing of really value except for a 5yr old laptop and 3 old computers (2 of which belong to my kids) - and the one I use was a free one from the school i work at. Apart from our cars nothing else is worth…
-
How to do Joint SOA?
Hi All, I need to do a joint SOA, but don't know how to go about it. Currently hubby is paying for rent and his mobile phone and I pay all the other household bills. Should I split each bill in 2 to do statements seperately? Or should I put total income and total bills on each SOA? Or do I just put down what we currently…
-
Going Bankrupt
Well. Today I took a trip down to the courts in Holborn - mainly just to to check if I needed to make an appointment or not. Apparently, I just turn up on the day and, as long as I'm early enough, I can have everything done on the day. I'm feeling quite positive about this so far. I've taken a day off at the end of the…
-
Have been Burying my Head in the Sand
Hi All, Well, we had an IVA in 2005, but when I became ill (with depression) and had to leave my job we could no longer keep up the payments and the IVA failed. This was in April / May 2006. Since then I have got another job (although not paying as much as my previous job) and we have sort of 'blotted out' the thought of…
-
complicated and nasty situation
I have a friend in a dreadful situation and we're trying to work out how things work...I'm really hoping that you may be able to explain/shed some light/come up with some ideas?. Until last Easter she was married with two dependant children (teenagers), a house worth about 100k with a 55k mortgage. Her husband worked full…
-
need advice asap
hi, i am self employed and in debt to the region of around 90000,:eek: i have now come to the end of the credit cards that i have been living on and using to pay off other cards. the debt is credit cards and loans(the banks kept offering more to me!!! up until this year i have always paid on time. the nat debt helpline…
-
inheritance
to the tune of £1k. i'm bankrupt from 28th jan. what will happen to the money?
-
Signing the Forms!
Just printed of the forms and i im wondering there are a few places to sign the forms. Do i do it now or at the court? thanks
-
IPA if on benefits only?
Been reading about IPA's and have come across things that say benefits can't be taken for an IPA and also things that say they can.Which one is true?To be honest even if some is taken it's still not going to be £600 a month which is what I'm paying on credit card debts but it would be nice to know.I was working but am…
-
Who's income for IPA when going BR?
If your married partner went BR, would your income be taken into consideration when an IPA was made? Or is it just the person going BR?
-
Joint SOA advice needed
Hi all, Finally, after many weeks of waiting our bky date is almost here. The sense of relief is overwhelming. I'll soon be able to answer the phone again and open the post without a sense of foreboding. Anyway, the reason I'm writing is to ask for some advice on the figures we need to put down on our forms (I say we…
-
I just started working for the OR
Yep its scary, but I just came to the end of my first week. I wasnt sure about talking about it on here because. Well, Its only a job ya know:rolleyes: Please dont kill me for it....:confused: :o ____________________________________ https://www.whytravellite.com - UK Airport Parking
-
Car / BR question...
Right, i'm 27 and i'm not driving yet...please don't ask the reasons, it's embarrasing enough to be this age and not have a car, lol! However, just before christmas as part of my bonus, my boss offered to send me on a residential driving course to pass my test, this would both enable me to drive the works vehicle and also…
-
mortgage deed advice in bankrupcy
hi to all, need more advice. husband is preparing to go bankrupt in few weeks, mortgage fixed rate deal has come to end. Bank have sent list of new products we can switch to. But included to sign is new deed of variation to sign, one paragraph states "when money you owe us becomes immediately repayable, a) someone presents…
-
just joined and thinking about becoming bankrupt
Hi Ive been lurking for a few weeks and now decided to join. Im in debt and i think the best thing for me to do is be bankrupt :confused: Im 25 and i have £25,000 debt. Basically i was in a bad relationship and alot of money went on that, credit card company wrote to me saying we will increase our credit limit from £3000…