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Only 5 months hp left on car. Can I keep it
Hi all. Hoping for some advice. I have completed the BR online form but can't submit it until I know what will happen with my car. I have paid almost four years and only have 6 payments left. The car is probably worth around £2000 but my question is. I use this to get to work but more importantly I care for my elderly…
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Bankruptcy and bank account.
A friend of mine has paid money into a bank account of another friend (who is bankrupt) the account was kept open by Barclays but my friend can't login. Is there anyway the person can get the money back ? They have tried through their bank but the bank said ask the recipient. By the way it's only £30. Thanks for any help
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Terrified
I have come in tonight to a letter and claim form from the County Court Business Centre. PRA group have filed against me and I have 14 days to respond. I am scared. Has anyone been in this situation? I need to get on and do my bankruptcy. I will after Christmas. If I call PRA will they stop this? HELP!!!
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How big of an issue will this be?
Afternoon all, I'm considering bankruptcy, its pretty much my only option at this point. I'm a healthcare student, the bankruptcy shouldn't impact my job at the end of my course as it should be discharged. I'm not sure I'll be able to register with the HCPC if I'm not discharged. I'm aware I need to put every debt down I…
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4 months tomorrow
Well it’s 4 months tomorrow I went BR,Jesus it’s gone quick. I would never have done it if it was for great advice from these forums,to any one out there who is worried about the process don’t be thank you
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my bankruptcy is approved - some questions
as of a few days ago, i am bankrupt but I have some questions I've not been phoned by anyone, the only communication has been by email. I've signed some forms digitally and sent them back. Is it feasible i won't even need a phone call interview? Is that how things can be sometimes? I still get letters through the door from…
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Should I bail my daughter out again?
My daughter's 23 and has a relatively poorly paid job. I've always tried to teach her to budget, but she's run up another £2,000 in debt and the bailiffs are due to come round soon. I don't want to see her go destitute but I've already had to bail her out twice before. Should I help her again? If you haven’t already, join…
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Gambling addiction
Hi, I'm hoping someone can answer a question I'm too ashamed to ask face to face. When filing for bankruptcy, will having a gambling addiction mean they will still treat you as any other debt you can not pay?
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Pre agreed missed mortgage payments?
Hi, my partner and I arranged with mortgage company to not make payments for a period of 5 months whilst our house was sold. This request was supported by GP medical evidence (partner too ill to work). The house was sold in Nov 19 and the mortgage arrears paid for from the equity. I have checked my credit files and these…
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Renting
Hi I came out of Bankruptcy in feb this year, and going through a marriage breakup, I'm j have currently paid a holding fee in a property to rent, inhale to pay bond 640 and 3 months rent 1680 does that pay current for 3 months or am I expected to pay rent on top of that aswell Steve
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Bankruptcy and a small claims court
I am in the process to take a person to a small claims court after he refused to refund me £3k for a holiday I could not go on due to lockdown. I have just been informed that he has gone bankrupt and have received a letter from the insolvency service and have been listed as a creditor. My question is, I am due to pay £355…
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IPA after bacruptcy
I was made bankrupt in August, I am off sick from work at the moment, but when I return I fear my hours will be reduced or a medical retirement. I think with my reduced hours my take-home pay will be £1738.45 with NT tax code. The budget sheet I have done comes to £1742.92 Does anyone think an IPA will be set ?
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IPA and Bonus
Hi all Currently in an IPA until August 2022, currently paying £397 per month. I've received a Bonus of £4250 and declared by sending the payslip to the OR. My usual OR is on leave currently, and their office is swamped because of the changes from one payment collector to another thats had issues. I've been contacted today…
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Mortgage with NatWest 10 years after bankruptcy
Hi, I hope someone is able to offer some advice please? I was discharged from bankruptcy in July 2011. I am currently living with my partner in a property mortgaged in his name only. We have 2 children & have had an offer accepted on a property we are hoping to buy in joint names. My partner has equity in the current…
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Moved: Charge order on property
This discussion has been moved.
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Carers allowance and BR
Hiya all Recently approved bankruptcy, im not working so no IPA. Question is if i was to claim carers allowance for my mother would this affect my BR? Any experience or advice appreciated xx
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Advice needed pls
Hi, need some help I am currently on universal credit do they give discount on the bankrupt fee. I get child benefit and carers allowance for my daughter who is under 16 will it count my husbands 1000 monthly income . Also this will be my second time I file for bankruptcy will it make a difference when I filed over 10…
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Still thinking about it!
I have put off and put off doing the deed and haven’t paid any debts for a year now. My partner has moved in and don’t want him involved in my BR but obviously will declare. He has his own debts, maintenance to pay and we are going to keep our finances separate. Is it ok to do that? Also will I be penalised for avoiding…
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Help and advice needed
Hello again I received an email from somwbody in the official receivers office to say based on the info you have provided you will not be required to pay any disposable income into you bankruptcy estate. However she also said they will be in touch in due course if a re assessment is required. Why would they need to re…
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CCJs after discharge.
Been discharged a few months now and most defaults are dropping off one by one. But my 2 CCJs are still showing as active. Can I get theses updated/removed