-
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…
-
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…
-
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
-
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…
-
Car on finance seized
Hello, I went BR on the 20th of February. The OR stated that he was happy for me to keep paying the finance but it was up to the car company if they allowed this. I have called the company who said they have not received the report from the OR yet and when they do they will seize the car and take it back despite me having…
-
Frozen bank account
Just wondering how soon after getting the BR order email your accounts are frozen? Thankyou
-
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,…
-
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)
-
Car in bankruptcy
Hi guys, this is the second time I'm (possibly) looking at bankruptcy, me and my wife both went br in 2009 and now I solely am looking at it again....both were for very different reasons but this time round my wife only works 2 hours a day which covers the monthly payment on a loan in her name, I pay everything else out of…
-
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.
-
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…
-
Handing keys back to lender - before or after bankruptcy??
Evening all After months of research and planning I have finally decided to go bankrupt. The posts on this forum have been a massive help, so thanks everyone. My husband and I have separated and we plan to both go bankrupt, hand keys back to our jointly owned (mortgaged) home and move on. Just unsure whether to hand keys…
-
Finally done it!! What questions will I get asked?
Hi, I have after months of worrying finally submitted my BR request and have had an email today confirming it. Can anyone advise me what happens next and also what questions I may get asked during my telephone interview? This is the part I have been worrying about the most!!
-
Can my bank keep my tax credits if I owe them money?
Hi everyone I have been saving up for my BR fee and I'm finally almost there.... I've had some great advice on here from my previous posts and have spent the last month preparing for going BR. I have opened up a basic account with Barclays and have transferred over all my direct debits and standing orders. My salary, child…
-
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…
-
Wonga payment and discharged BR
I was BR in sept 2016 and then 12m later usual discharge - and no on going payments to make etc, it was a clean easy case. it all got written off. and part of this was wonga debt. and just been building up things with a better mindset etc after.. and doing fine after it. i was contacted by wonga and filled forms etc, about…
-
How likely is the Court to force bankruptcy.
Hi All Some years ago I was in a financial mess after my business failed my sister died and my long term Partner left me and I just packed a bag and moved to Spain leaving behind a hotel which had a large business loan on it. ie £113,000 . I moved back last year assuming I may have been made bankrupt in my absence. This…
-
Close to nervous breakdown
Anyone please help just gone bankrupt without going to stepchange I'm in way over my head I'm not sleeping or eating got paid refund of 4k paid parents back 2 and I've spent the rest i suffer from suffer depression and bpd I can get the 2k back from parents to give to or it's the 2k I've spent I'm worried about and in the…
-
Discharged! Now to rebuild
Hi all, We're both discharged!!!! Now, time to rebuild. I'd like to open a credit card to use and pay off in full, monthly. I'm still under BRU, so I think the limit of 500 pounds credit without informing the creditor still stands. My question is, a lot of the online applications just tell you the credit limit, you can't…
-
pcp vehicle
I am in the process of declaring bankrupt but I have a car on pcp. I am up to date with those payments but wanted to check if I definitely will loose the car or is there a chance I will be allowed to keep paying for it until the pcp runs out, I understand that I would not get another pcp but the finance company (black…
Discussions here cover two debt management solutions - Individual Voluntary Arrangements (IVA) or Debt Relief Orders (DRO).
7.3K discussions
41.9K comments
Most recent: Almost at start of Year 3….. by ManyWays
14 April at 10:30AM
