Ask a CCCS counsellor a bankruptcy question

philnicandamy

1967vike wrote: »

sorry but really need help - bank account s !! i am with halifax easy cash and reallyu expect halifax to close as soon as OR advice them. I have tried coop and they have declined me as I guess I have a credit card with them now in the bankrupotcy - worried barclays will decline me as i had an account with mbna and i believe barcs took them over - wages go in friday into halifax account and every friday weekly - really need some advice - i cant see how i am expected to live without a bank account !!

answered your post elsewhere 1967...barclays will be worth a shot they were one of my biggest creditors & they still offered me a basic account when I went bankrupt...if wages do go into the account after your bankrupt (before you get chance to sort a new one) the receiver can speak to the halifax if the account is frozen to release funds for you

stleonardsc

H I am taking advice form the Cab at the moment and bankruptcy seems the only way.
My question is what personal posesions can they take ie I have a 6 yr old computer 4 yr old Colour tv and 4 yr old Dvd recorder the rest is furniture cooked fridge and a small colour portable tv in bedroom again about 4yrs old.

Thank you in advance for your :T

CCCS_Matthew

stleonardsc wrote: »

H I am taking advice form the Cab at the moment and bankruptcy seems the only way.
My question is what personal posesions can they take ie I have a 6 yr old computer 4 yr old Colour tv and 4 yr old Dvd recorder the rest is furniture cooked fridge and a small colour portable tv in bedroom again about 4yrs old.

Thank you in advance for your :T

Hi there.

The possessions you've stated won't be at risk. The official reciever tends only to consider property, vehicles, antiques/collectibles etc. The stuff you've mentioned won't cause an issue.

Hope that helps!

NewbieMoneySaver**

What problems will bankruptcy have on my future. I'm also in the navy but have been put in a bad situation because my left me for another man and has also left me with the debt.

stleonardsc

Just one other thing I was told by the CAB HASTINGS to stop paying creditors and try and get £350 for Bankruptcy fee as the application to get mone from a trust has failed / they,ve got no money to give. Are there any other was of getting the fee??

Agian thanks in advance

philnicandamy

stleonardsc wrote: »

Just one other thing I was told by the CAB HASTINGS to stop paying creditors and try and get £350 for Bankruptcy fee as the application to get mone from a trust has failed / they,ve got no money to give. Are there any other was of getting the fee??

Agian thanks in advance

Possible help with bankruptcy costs / fees

There are a number of charities that may help with bankruptcy costs and fees depending on eligibility (examples below).

• Severn Trent Trust Fund and other water trusts
• EDF Energy Trust
• Royal British Legion
• Some Trade Unions
  • Trades Union Congress
  • Union Finder from Worksmart
• Turn2Us enables you to search for charities

Please note you will usually need the assistance of a recognised Debt and Money Advice Worker in completing applications relating to the above

idbi

Hi to everyone - I'm a new Moneysavingexpert user. I have been looking through the posts to see if I can find some answers to a help a family member. The posts have been useful, but I hope you won't mind if I ask a similar question, but more specific concerning the situation I'm helping to deal with.

If a post office account is opened to receive money for normal living expenses before bankruptcy is requested, is it likely to be frozen along with any other bank accounts is bankruptcy is granted?

saffrongirl

hi, i went bankrupt in Dec 06. I am now disscharged but i left a creditor of my bankrupcy list by mistake. I was so deppressed and did not realise so i thought i would just pay them, but i have still been struggerling and missed a payment or 2 and tried to set up direct debits and they got me to pay loads of but it just keeps going up and up it has risen from £270 t0 £430 and they are adding charges every month even though i am paying they do not send regular statments then they say i have a late fee. I got worried because i forgot to put them on the bankrupcy list so i keept paying is there any thing i can do to wipe the dept i filled in a list to show i could not afford to pay and because i offered £20 a month they said i can afford to pay i haven't told them i wernt bankrupt because i am worried. please can you help. thank you saffrongirl.

norway_2

I am a discharged Bankrupt for the last 10 years now. And have been debt free ever since. But whilst listing all my outgoings, I included a company pension that I had. I was given the impression that when I retired, monies would be taken from these pension savings to go towards outstanding debts. Can you confirm this and advise me if there will be any challenges on my future savings.

Kuggers

Hi. I was declared bankrupt back in July. I am about to change jobs and am nearing completion of a course. My current employer paid half of the course fees (just under 2k) and is now demanding that the fees are paid back, as I am leaving so close to completing the course. The fee payment came out of my line manager's budget, rather than a centralised training budget and I have an excellent relationship with this manager. This manager has agreed to repayment spread over a number of months. I would like to repay this, particularly as non-payment will impact directly on this manager. Am I right in thinking that the fees will be considered as a debt by my OR and therefore that they will have to be included in the bankruptcy, therefore preventing payment?