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BR questions
2 part Question please 1. one of my creditors has applied for a CCJ. I completed the paperwork and left a surplus of around £30. This has been rejected and the judgement has come back at £250 per month. I really can’t afford this. I may have missed the deadline to appeal though due to being away when the judgement landed…
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IVA or Bankruptcy
Hi looking for a bit of advice,, please help. I have been struggling with my debt for a few years and made things worse instead of better. Samaritans have helped me a lot as i was thinking of just ending my life at one point, still do if being honest. I have 3 credit cards, 2 loans and a catalogue account. I had the one…
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Please start your own thread
Hi everyone as we see to have a lot of new posters at the moment..may I suggest you start a new thread instead of tagging onto someone else's. It gets very confusing for us to advice different people on the same thread. We are happy to help but we might miss you in the confusion.
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Finding out about bankruptcy
Hope you folks can advise, a tricky domestic situation. I have discovered - the hard way - that my significant other is/was made bankrupt in 2015, a sheepish declaration shall we say the other evening. No further information was forthcoming as I think the discussion hit a raw nerve and I really didn't want an argument…
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What website to start?
Hi what website or link did you go on to pay and start your bankrupcy
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When will an ipa be set up
Evening people decided to submit my bankruptcy form today after thinking it over think it's the best decision now have a few questions When and if the or asks for an ipa when will he ask about setting it up and when will the or ask to see mine and partners bank accounts only asking about partners as she gets child…
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Bankruptcy help!
Hi I have approx 20k of debt and am not working due to ill health. My partner is unemployed also so our income is limited. I have completed forms for bankruptcy but haven't got the 680 fee. I've applied to British gas and United utilites trust funds but no joy. Can one of my debtors make me bankrupt or has anyone got any…
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Direct debits?
Should I tell whatever direct debits I have that I will be going bankrupt and my account may be frozen when some will be coming out? Or should I pay them before they come out then carry on as normal after account is unfrozen? I've got sky, 02, water and my rent coming out
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Child maintenance
Will the Receiver want to know I will be getting this for my child and add that to my incomings (Its sods law if they do as after 5yrs of them chasing my ex for maintenance next month my daughter is finally going to receive it) surely that's for my child and they wouldn't take that into account
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Bankruptcy, work shares and compulsory overtime
Hi all, I’m needing a bit of advice, my husband is considering bankruptcy but is due some shares in June, he can’t sell them for 2 years does anyone know how this would this affect bankruptcy? Do they have be declared as an asset even though he can’t touch them? Also for 8 weeks a year he does compulsory overtime, we use…
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Will they tell me to cancel my sky and 02
Going bankrupt next week. I dont have any debts with Sky or 02 but will the Receiver tell me I cant have them, are they a luxury. I pay £90 a month with sky but that's tv,broadband and phone and £17 top up on 02
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Help what do I do if account is frozen
Hi everyone. I'm going to go bankrupt next week. I have already down graded my natwest account to a basic account as they said I can still bank with them but just wondering what do I do if my bank account gets frozen when I have wages and child benefit coming in and direct debits going out? Should I withdraw all my money…
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Just hit the submit button
I've just submitted my application. I feel sick with anxiety. I'm dreading talking to the OR. How long till they call what will they ask me? Any help really appreciated
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Maintenance
Evening everyone 1st post so hoping im in the right place quick question just going through bankruptcy info and forms my wife and I are on benefits only income except my wife gets maintenance for her child from the ex every month just been told by some bloke at insolvency that this money can be used to pay my ipa is this…
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creditor not collecting on charging order
hi, i need soe avice, natwest put a restriction by way of charging rder on my shared proerty, although the debt was solely in my name. 3 years ago the property was sold and all the proceeds paid to whoever it was supposed to, apart from this one restriction in my nae, the solicitor has advised that he has contacted…
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How does it work?
How does it all work now then? I went br in 2009 and obviously went to court, I hear now it's all online but how much of its online? Are there any phone calls etc to be made? (Or etc)
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What a relief!
So, having received the email from the OR with my bankruptcy order yesterday - barely 24 hours after making my petition, I was left a voicemail from the Insolvency Service asking me to call them back. I was so nervous when I listened to that message - the guy had called from Liverpool which surprised me, as I'm in Herts,…
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Investigated after bankruptcy
Looking for some advice. i was made bankrupt last year, served my time without working as my wife was supporting the family with her business and a few other projects. all my accounts was closed down except my international Lloyd’s account. I continued to use this as normal (ish, without income it was fairly bare). but in…
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Can an IPA be cancelled
Hi, I was declared bankrupt 09/04/19. I’m due for automatic discharge on 09/04/20. an IPA was originally set up and payments started in may 2019. However due to a change in my income, my IPA was suspended in July 2019. My question is, could I ask to have the IPA cancelled? My circumstances won’t be changing for the better…
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Settled on credit file and credit in use
Read the sticky about cleaning up just unsure about some of my debts. All show settled within a few months of start of bankruptcy, but some show credit in use and some 0.
Discussions here cover two debt management solutions - Individual Voluntary Arrangements (IVA) or Debt Relief Orders (DRO).
