ok here goes

gettingbetter

I was made br on the 7th May

I never told anyone and binned/shredded
all letters

Stupid yes i know

My house has a £30,000 mortgage and is worth
offers over £200,00 I have never defaulted on
mortgage payments

What are the chances the mortgage company
will let me re-mortgage, i need to raise about £1500

Please pay your council tax i learnt the hard way

kas

oneandonlyboy

Um just a quick one is £30,000 mortgage correct? just seems very strange unless your debts where over £170,000 that you went bankrupt as you were not insolvent

gettingbetter

Hi

yes £30,000 is correct

i ignored all letters and everything

i didnt even tell my oh till after it
had happened

kas

skylight

Well, if you are bankrupt then you can do nothing about the house as its currently "not yours" technically. Your Official Reciever will be doing everything that has anything to do with your property.

You need to discuss matters with your OR as soon as possible. As really a bankruptcy order should not have been issued if you have £170k equity (that is unless your debts are over £85k as half of the equity is yours and half your husbands if you are joint mortgagees/deed holders etc) as you are not insolvent. But I suppose if you ignored everything then it could have happened as they would never have known.

You have definately been declared bankrupt? You have a court order sent from the courts with an official stamp and your official recievers details on the bottom? Just odd, thats all.

dalip

I could be wrong but did the council tax make you bc for non payment?Thats how i read it anyway.D

gettingbetter

Thanks for replies

I have definately been made br

yes was council tax that got me in this mess

or said he wasnt interested in house

i had 2 options

get 3rd party to lend me cash

or remortgage

I buried my head hoping it would all go away
but it didnt

If i dont reply sorry am going to work soon

will be bk later

kas

oneandonlyboy

The OR wasnt interested in equity or around £85k??? never heard that before.
No you wont get anyone lender to let you money whilst bankrupt.

skylight

It does sound very, very odd indeed. Is your council tax the ONLY debt you have?

Hold up - are you based in Scotland????? We are talking English law and the Scottish one is somewhat different.

peachyprice

Hi Getting better,

Was this the only debt you had, to get the BR annulled, (I presume that's what you want to remortgage for) you'll have to raise enough to clear all your outstanding credit cards, store cards, loans etc., and OR fees.

If it is the only £1500 could your OH raise the funds? (assuming he's not BR)

gettingbetter

was only council tax

yes is joint so oh is br too

kas

tigerfeet2006

What part of the country are you in?