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IPOQ letter received. Info?
Is the receipt of this form a good indication of early discharge? I read on another forum that people had been discharged 40 - 50 days after submission. Any thoughts? :beer:
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Mortgage Advice
Hi all, In between helping others with bankruptcy I have a question of my own. Now I am not planning on getting a mortgage soon as I am happy renting and so is the boyf but we would like to buy eventually and obviously he is worried abit about my bad credit rating I will now have. Do I have to go with certain lenders to…
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Got an Interview today
Hi all, Ive got an interview for a new job today:j I`ve also got an IPOQ sitting on my desk. Should I fill out the details on it before I go, or wait for the outcome and then notify the OR? I also got a letter telling us that case is going to a trustee next week. What`s that all about?
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2nd thread the first one no one replied! awwww! scottish banruptcy
Right this silly person has got themselves into a pile of poo! i don't want to post my soa online as im mortified as to what people will think! i don't owe that much in the big world bank scale of things but im in over my head. I got the advice to look at the Govan Law Centre and that was ok but said go to your solicitor…
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Opinions needed please
Hi I became too ill to work 8 years ago and was diagnosed with an autoimmune disorder which the doctors told me was incurable. I progressively became more disabled and was bedbound for 2 years and then wheelchair bound. However I never lost hope and continued to research my condition on the internet. 3 years ago I found…
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bankruptcy
hi just submitted my bankruptcy form online but it wont let me print it off really worried as need these in court anyone got any advice have rang up helpline
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Not quite bankrupt and need advice to avoid it!
My company has just had to close with me owing £15,000 in overdraft to the bank. They have given me a few weeks to see if I can sell my stock but it wont cover the overdraft and they have my personal guarantee. I have equity in my house but it is a shared equity with my partner. As I am not working (yet) and am the grand…
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second vehicle and bankrupcy
Hi all, Both myself and my husband are filing for bankcrupcy and are wondering whether my husband will lose his motorbike as a second vehicle. We have been told by CAB that we will probably keep the car as its worth about 300 but will lose the bike. It's worth about 400. I was under the impression that anything less than…
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Bankruptcy woes and pro's
At 11:18 on Friday 25th November 2005, I was made bankrupt. _pale_ If anyone out there thinks that bankruptcy is an easy option then think again. It may sound appealing to have all your unsecured debts written off with the stroke of a judges pen but believe me - it isn't. My personal case is a complicated tale of woe,…
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post office account
HI I haven't started my BKR yet. Just had letter from CAB about collecting my petition and go over details. I have a few questions. 1. I'm on incapacity benifit and know I can arrange to have this paid into a Posat office account. Is there a post office account that can act as a bank accout ie I work permitted hours so…
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Bankruptcy help
If My husband was to make himself bankrupt and we put the house in my name would that mean the house would be safe? Will his bankruptcy affect me in anyway? Thanks.
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do i inform them
on the process of going bankrupt have a provi loan do i contact them and state i wont be paying them as going bankrupt
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Gone bankrupt at last
Mike, can I have a number please? Finally declared on Thursday. The day went well. Arrived at the county court at 10.15. handed over papers and fees and signed the three copies. The then phoned through to the main court where the judge was. A trip across town by about 11.00 I was in with the judge. He was very nice, not…
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Need some advice..
Ok hello all. I'm new here but need some advice regarding my desperate situation. After funding my way through University and having two self financed businesses not generating the income i thought, I'm currently looking at £55,000 in unsecured debt (spread over 6 creditors - 2 loans, the rest on cards) I am now self…
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Advice needed please
As you all know i went BR in nov 06.i had no assets and was not working so our only income was from my husband and tax credits but we had no surplus . Now the question. we are still struggling each month so i want to go back to work to ease the situation. As iv not been discharged yet ,will i haft to inform my OR when i…
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A Cautionary Tale!
Hi All, Just a few words of caution about my situation which may be of use to others: Since hearing, after 2 years with no contact, that a Trustee had been appointed in August 2006,to realise my assets (my house) , the costs have risen to more than £33,000.00 - that's an additional 50% on the original amount at Bankruptcy…
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I'm so scared...
Here is my tale of woe... Started business as a sole trader in 2003, eventually started a relationship with my key employee and we moved in together (rented). I wanted to change the business bank account to joint names but found out he had a really bad credit record so it stayed all in my name. I was working full-time…
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Looking like early discharge- help on figures please
Got the forms for early discharge this morning. OH and I need to fill in incoming and outgoing figures and return in 14 days so they can calculate any IPO 2 adults and three kids under 12. What`s the maximum figures anyone has submitted for; Heat and light Telephone Housekeeping Essential travel Clothing And what have you…
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My mums house
Hi I'm new to this site. I'm shaking as I type this.The CAB have been helpful and have said I should file for bankrupcy.Reading all your post on here has answered some of my questions. My mum has a house and she will be leaving it in her will. The assets will go between me and my three sisters.She has talked about signing…
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keep house with bankruptcy?
I am currently in a dmp with payplan but wondering if I would be better going bankrupt instead. I have a together mortgage with northern rock mortgage was £94000 and loan with it was £28000 house price was £99000 bought oct 2005 with a 7 year fixed rate. I have unsecured debts elsewhere totalling 33500. at the minute I…