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Debit card account for an ex-bankrupt?
I am currently planning on reclaiming my bank charges for the past couple of years i have been with my bank. I have read the advice aboutsetting up a parachute account due to the risk of my current one beng closed. I could really do with a Debit card to make life a little easier, however, it seems i would have trouble…
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Assets...
I've got nothing that I would consider an asset, I have a £50 portable TV, a stereo that cost £250 four years ago, a DVD player that cost £200 six years ago, a PC that's probably worth around £150 if you sold the parts seperately, about 10 dvd's, 30 odd albums and an XBOX360, would I need to state any of these if I went BR…
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Trying to cope with this!
Hi all, I have read a lot of the advice about Bankruptcy on the posts and also as much as I can get from other useful documents etc. I stand as many others with the problem of going BK. I have not run up debts etc I made a deal with the devil (or Cruella Devil) I received an invoice for over 100K in the form of…
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Discharge letter today
I was made bankrupt on 19th May last year and have had an early discharge letter declaring me discharged as of 7th February!!! For all those worried about Bankruptcy I went BR for £130k and here I am now debt free and discharged. The rest of my life here I come. Louise
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Is "registered keeper" actually the owner???
Question as above really.... situation is that a van that was bought by my mother which was transferred into my name so that I could insure it and register it for my use is now likely to be taken off me (going BR on Wed this week). Do I list it as my asset or as a vehicle that is not owned by me but is available for my…
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Student Loans and Bankruptcy.
I went bankrupt in 2004 and was discharged in 2005. Great, no problem there. When I went bankrupt, I put my Student Loan through as well, not realising that all "mortgage style" student loans pre 1998 cannot be included in a bankruptcy. It seems that during the time that I was made bankrupt, the other style of Student Loan…
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HELP going Bankrupt , need some advice
Hi ya! I was wondering if I could please have some advice:o , I am desperate. My husband was ill for 2 weeks this meant that our income of £115 , went down to £30 one week and £40 the next. He was taken to hospital and referred to an asthma specialist. - He has returned to work. The thing is we had a housing officer come…
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Advice Please
Hi All, A couple of questions; if any of you have any advice I'd be very grateful! (1) Separated from Wife, she is living in the house that my Trustees are trying to sell 18 months after discharge from BR - we have three children under 9 - the question is, does any body know the process for my wife making a claim for share…
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bankruptcy advice
HI Can someone tell me? If i am to go down the BR route how does it affect my wife's finances, ? Can she have a normal bank ac etc, are her assetts demed part of my BR ? Thanks
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Compensation and the OR
:mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: Oh received a large sum from former employer to terminate her contract. We advised OR office two months before this was due to test the water. OR office told us it would be treated as wages and that a percentage would be taken at the same rate as any IPA attached…
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Beneficial interest..help please
Hi all I live with my BF in his house, his name only on deeds and morgage. I pay utility bils and food.I have lived here for 11 years Who decides if I have a beneficial interest in his house either in IVA or bankruptcy. If I am deemed to have such an interest how do you work out how much and what it would cost for bf to…
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bankruptcy advice
HI Can someone tell me? If i am to go down the BR route how does it affect my wife's finances, ? Can she have a normal bank ac etc, are her assetts demed part of my BR ? Thanks
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maxing everything
Hi Guys Well Have Slowly Got Myself Into Debt In A Big Way Think I Am Going To Have To Go Bankrupt Just Wondering Will I Get Into Trouble For Maxing Accounts Just Before I Go Bankrupt Have A Next Card That Has No Debt If I Max That Just Before Going Bankrupt Will I Be In Troube
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Going Bankrupt on Fri or Mon Advice please
hi i'm going bankrupt on friday or monday and i'm just after some advice on how my day will go.... 1 i've filled in all my forms:j questions: 1.how much will it cost? as i don't earn any money and havnt since oct 2005 2.how long does it take in court? 3.will i be given something to tell people who are after money? 4.will…
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Bank Accounts
Quick question, as i'm considering going bankrupt, I have 2 bank accounts, both approximately £3k overdrawn, do they have to be closed if I want these to be wiped off with the rest of my debt, or do they automatically get wiped off with the rest of my debt as a matter of course.
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whats best ? owe money not paying tax
Hi any advice appreciated, need to sort out my financial, I owe bank about £30K,(not spoken to them 2 years mooved away) various store and credit cards about 10K(not spoke many years mooved) Not paid Tax /Ni 3 years, did not register as was contemplating suicide, but not now, Am Self employed (but not registered, was…
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Leaving home, Renting, Going Bankrupt all at the same time!
Hi All, So here's the deal. I live at home at the mo but move out the end of the month into a rented flat. All was going well till my IVA got rejected so now I'm faced with moving out as my mother has just retired and her only income is a pension she can't afford to subsidise my living expenses so I will be going bankrupt.…
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Bankrupcy - which address??
Hi All, I am leaving home at the end of the month and will be moving into a rented flat. I would rather the bankruptcy goes against my mothers home address than the rented address. Can this be done?? On the statement of affairs it ask's for the landlords name and address. Do I put down the letting agents details as I don't…
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Bankruptcy and CRB
Does bankruptcy show on your CRB? Does anyone know please? lm considering it but lm not really show since l read that you have to appear before a judge in court. l work with children and it is important that l maintain a clean record. Thank you.
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bankruptcy and income tax
hi everyone haven't been for a while i hope you all had a good xmas and new year. got a bit of a shock a the end of last month when bloke got his payslip he hadn't paid any tax so he phoned his employer who said we have had a letter from the inland revenue saying to put you onto week 1 no tax code. so he phoned inland…