June’s 2014 BR Club

IF

:staradmin Hi Everyone and Welcome to the June’s 2014 Bankruptcy Club :staradmin

This club is for everyone who has gone or going through the process of Bankruptcy during June 2014. So please feel free to join and post.

Pop your name on here, the date that you went/are going Bankrupt. Then just keep everyone in the club updated throughout the next year about your BR journey. That way you can all stick together, compare notes and be there to support each other during the different stages of your Bankruptcies.

Remember this is your board so keep posting :hello:

Obviously anyone can come on here and post anything that will help and you are all welcome. Any important questions that need answering please still post them on the main board, as you will receive more advice and help.

~ Please do not include too much information as the IS (Insolvency Service) are known to frequent this forum and they may identify individual cases, so username and date only, thank you ~


Best wishes
IF



1………………………………DJ4614….…………………………....4th June 2014 :starmod:
2………………………………Nikacy.….………………………………5th June 2014 :starmod:
3……………………….WickedWitch123….……………………23rd June 2014 :starmod:
4…………………………….fluffy70….……………………………….5th June 2014 :starmod:
5…………………………georgiasmum….……………………….17th June 2014 :starmod:
6…………………………michael1983l….………………………..26th June 2014 :starmod:

IF

* Blue text on MSE usually signifies hyperlinks, click on the blue links below *

Please do read these threads and other threads relevant to you on the BR Board, remember knowledge is power :beer:

For ‘essential’ BR info the ‘Look here first’ sticky by Fermi.

BR Friendly Bank Accounts ~ [Updated Sep 2012 re: Co-op Cashminder withdrawal]

BR Abbreviations

Beware of advice via PM.

Assorted letters to creditors

Reasons for your BR - 6.28

Charities who help with BR Fees

BR friendly home insurance thread

CABmoney Bankruptcy Payment Order Calculator

Bankruptcy NDL Guide

Basic Bankruptcy Advice & Guide NED CAB

Diary of a broken gambler

Helpmeoutofthismess

Yay! Now I know I'm on the home straight, 12 days to go and counting down the days :j

Good luck to all June 2014 members, your year will fly by!

H x

wharty

Me too roll on the 18th.

IF

Helpmeoutofthismess wrote: »

Yay! Now I know I'm on the home straight, 12 days to go and counting down the days :j

Good luck to all June 2014 members, your year will fly by!

H x

wharty wrote: »

Me too roll on the 18th.

This year has gone quick hasn't it, here's to the next few weeks both :beer:

DJ4614

Hello all, my big 'B' day is on the 4th! eeeek

IF

DJ4614 wrote: »

Hello all, my big 'B' day is on the 4th! eeeek

Hi DJ4614 and welcome to June's BR Club, I've added your name to post one :beer:

My checklist, what to take to court :-

- Your two copies of 6.27 and 6.28 and the Originals, do not sign them, you do this in front of the clerk. Your completed EX160 if applicable and any benefit letters/forms etc as proof (Important - letters have to be dated within one month of your court date and no later).

- Money for bankruptcy fees.

- Spare change for coffee machine.

- Paper or magazine to read while waiting.

- Change for car park.

- Optional a friend to chat to/hold hand.

NB Do ring the BR Clerk at your court as to what they require from you, as it does differ from court to court.

Do let us know how you get on.

Best wishes
IF

fluffy70

Hi. I'm just filling in the 6.27/8 forms and have done the Ex160 for m husband as he has no income. I'm still confused though... I just calle the local court to ask what I need to bring for filing the petition only to be told that they can't tell me as they any advise and I should get independent legal advice??? When I asked I the bankers draft for the fees from my work union which is made out to HMCtS she said no! She told me I have to pay in cash I can't do that and the union sent the draft made out to the courts for submission within 3 months. Then she said she doesn't normally deal with bankruptcy so she doesn't really know anyway. Feeling really lost now. I also don't have a termination notice from the IVA that failed last year, only the breach notice that they sent in November. Is that enough? I thought the stress was dropping but this is pushing it up again - already on beta blockers and anti anxiety pills through it all
So now just want to bin the forms and hide.

Nikacy

5th of June...

IF

fluffy70 wrote: »

Hi. I'm just filling in the 6.27/8 forms and have done the Ex160 for m husband as he has no income. I'm still confused though... I just calle the local court to ask what I need to bring for filing the petition only to be told that they can't tell me as they any advise and I should get independent legal advice??? When I asked I the bankers draft for the fees from my work union which is made out to HMCtS she said no! She told me I have to pay in cash I can't do that and the union sent the draft made out to the courts for submission within 3 months. Then she said she doesn't normally deal with bankruptcy so she doesn't really know anyway. Feeling really lost now. I also don't have a termination notice from the IVA that failed last year, only the breach notice that they sent in November. Is that enough? I thought the stress was dropping but this is pushing it up again - already on beta blockers and anti anxiety pills through it all
So now just want to bin the forms and hide.

Hi fluffy, I know it is so confusing, starting the BR journey, please contact the following debt charities for further advice, they don't charge, they are impartial and will go through with you step by step and answer all your above questions.

Main recommended sources of help:

• National Debtline - Website: National Debtline Telephone: 0808 808 4000
• Citizens Advice Bureau - Website: Citizens Advice or visit your local CAB centre (find nearest)
• StepChange (formerly CCCS) - Website: StepChange Telephone: 0800 138 1111

Others:

• Debt Advice Foundation
  
• Christians Against Poverty
• Business Debtline
  
• PayPlan
• TaxAid - Help with tax debts.
• Debt Support Trust
  

I do believe you need the termination of your IVA before you can go BR.

Do post your question again on the main board for more replies and support.

Best wishes
IF

IF

Nikacy wrote: »

5th of June...

Hi Nikacy and welcome to June's BR Club, I've added your name to post one :beer:
Do let us know how you get on.

Best wishes
IF