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Update
Thought i would give an update OH went B/C 6.11.07, had OR interview a couple of weeks later and was told they would be in touch as need more info on car, still not heard anything so have just had to tax the car, put two new tyres on it ready for the MOT next week and have given it a well overdue oil and filter change ,…
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Should I send letters?
Hi again When I spoke to National Debtline, the adviser suggested I send letters to all of my creditors explaining that I am having problems and to offer a 'token payment' by way of a cheque. The letter it was suggested that I send was a 'Hold Action' (available on the ND website). If I send such a letter, do the creditors…
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Oh oh - here she goes again!
Hiya - I'm back with more questions, sorry!! 1. NT Tax Code - does that start from the date of your bankruptcy and does the OR sort all of that out after the interview - do they back-date it? Is it me that needs to tell my employer I need to go on that code? 2. Pre-paid credit cards - I'm looking at the cashplus - is that…
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What will my bank do
Hi again My bank is RBS. I have two loans with them. Well, actually 1 is a Tesco loan and the settlement is £6,500 with a payment of £303 per month. The other loan is from my own branch and the settlement on that is £18,400 at £312 per month. (Oh, and I have a £3000 OD). Both of these loans are paid the day after my wages…
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struggling to come to terms with this
I have (on the good advice of the debt free wannabe forum) been to see the CAB who, although I am waiting for a second appointment with their debt sepcialist, basically indicated that bankrupcy is my likely outcome. I am 26, i am a nanny, i look after young adults with learning difficulties. i owe about £30k and earn,…
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Help Alliance & Leicester
I remember some time ago someone had a similar problem and I cant remember how they sorted it. Before I went BR I opened an account with A&L (non charging account) and was later informed that it would get closed if I went BR. Opened a Co-Op Account when I went BR. When I went BR I gave all my cards and paperwork to the OR…
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I just destroyed my Credit Card!!
Enough is enough, its time to get serious about this debt free business!! I am scared cos we live off my credit card just now but its time to sort this out once and for all!! OMG!! I can't believe i just did that!
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Please Can Anyone Help Me????
My Husband & i Have Set up An Iva each which we started paying in nov 2007, the pmts are crippling us, would it be possible to still consider bankruptcy? if we did go bankrupt would we lose our jobs? we are both civil servants. Any advice would be appreciated Please
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You are not alone in 2008!!
Saw in the press today that around 130000 insolvencies are expected in the next 12 months. Makes mine and mrs TJ`s pale into insignificance really.........best of luck if you are contemplating it or going through it now. We are all here for you. :beer:
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Take The Bull By The Horns
Two years ago this weekend, Mrs TJ and I dumped the 3 DS`s on a friend and took ourselves off on a long walk along a (Freezing) seafront to have a long discussion about where our finances were going. The company was being shafted and was costing us more and more personal money ( and credit ) to prop up after our main…
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BR in N.Ireland a question by Brian 77
Originally Posted by brian77 Can anyone give me advice on br in n.ireland I owe the tax man 3k and he is making me br do you automaticaly loss your house? And is there anyway to stall or stop it Cheers Brian This was hidden in another thread so I thought that I would start a thread of his own.
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Credit Report showing money owed after BR and discharge
Hi, I went bankrupt last year 3rd November 2006 as I was unemployed and was discharged in June 2007. I opened a basic acount with Abbey to pay in my JSA and was told that if it had £500 going in each month I would be able to apply for a debit card after 6 months if the acount was run sufficiently. I have been on a low…
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Equifax and Experian, unsecured debts
I have racked up many debts with 10 different companies over the past 15 years and have been paying reduced monthly payments for over 6 years now. Its been a while since I did a review of my accounts and balances outstanding so I wrote to Equifax and Experian before xmas to get a copy of my credit report as I am possible…
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**updated** OR interview now 4.1.2008 - 10.00am
I have my OR interview on Thursday at 8.00am. At the moment I still have a normal bank account with a visa debit card. Does the OR ask you to downgrade your account and cut that up? My account wasn't frozen by Lloyds because I was still in credit. Ooops. Happy Christmas everyone. It's been a weird few weeks. Anyway, I am…
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Hello again....
Hi all (especially those that were so supportive in my darkest times:A ) I just wanted to update and ask a few questions. After all the drama of worrying about moving from our home into renting - I have to say (3 moves down the line) that leaving the house was probably the best thing that could have happened to me. I got…
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BR Meeting
Have just been reading some of these threads and as my situation is quite complicated, I assume I will have to have a meeting with the OR. This is really worrying me because I will not know all the answers as I just followed what my husband said and he didnt have much of a clue either!!! It sounds such a cop out, but its…
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Bankruptcy worked for me
Bankruptcy worked for me Hi all, 12 months ago I was going down the road of IVA until I saw sense and realised that it just isn't a good solution at all. The amount I would have ended up paying to the IVA would have been completely unrealistic, although it seemed reasonable at the time....probably because I was that…
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When to open a new Bank Account
Sorry to labour a point. I have asked before but never really got an answer. When petitioning for Bankruptcy, when should I open a new bank account? My salary goes into the bank on 18th of the month; I have to pay my rent on 1st of the month. Obviously, I cannot afford to mess up on this. Additionally I have to allow for…
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BR and Migration
Hi, im asking this on behalf of a friend who is in as much trouble with her debt as i am. The story is she is going BR within the next few months under the advice of the CCCS, Debtline. The thing is she wants to migrate to Australia this year if possible. She has asked people on the Visa side of things and there doesnt…
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in the paper today but one problem....
in the paper today., my problem is this then judge whom acted on my br had made and order that my present address was not to be printed(ex-husb and his family harrassment) but hey :mad: guess what it got printed. i rang the court and said why they passed me to the office manager and she said "im sorry it was missed".:mad:…