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Living in USA
To cut a very long story short I had a messy divorce 6 years ago which left me with £40,000 of debt. I have only a small medical retirement pension and Incapactity Benefit. I entered into a debt management plan and have been paying off as much as I possibly could and the debt is now £35,000. Happily, I have now remarried…
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Fee's
Any advice gratefuly received. how on earth am I going to raise the fee's for the BR? I am on maternity leave and am now only on maternity pay, I thought that by not paying the car and loan I would of had some spare money but that just seems to get swallowed up. I suffer from PND and this is making me have panic attacks…
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I & E Help please..
Good morning to you all. I feel a lot happier today having gotten my head around what I have to do. Am currently sat down working all the I&E's out and am wondering, if the Council Tax, which has arrears on is in both our names what will happen to that? DH doesnt work or claim any benefit so has no income. So what do i put…
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ccj
if made br do ccj's still need to be paid
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Step 4 on Statement of affairs form
Morning all On the bankrupcy form, step 4 it asks for creditors, name, address, how much owed and date incurred does this mean date when you got the credit card or date you started to use it? I ask this as we have had a credit card for a couple of years used it a few times then cleared the balance but recently used it to…
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Bankruptcy Advise - Please God help me!!!
Hi all, I am thinking of going bankrupt. I am in 41,000 debt. Tried all angles to get out of it, I am NOT a homeowner. I rent from a housing association and have been on sickness benefit for a while due to an illness a few years ago and I am on job seekers allowance. My housing benefit is paid straight to the private…
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Quick Question about HP on car
Very simple question, I have a car with finance that the OR let me keep due to needing it for work, but I wish to change it to something more economical. Can I sell it and clear the finance without upsetting anyone? The way I see it, I am paying the car off monthly anyway, but paying it off sooner isn't any different.…
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Can I get a woop woop???
Its so not me to say that but I couldnt think how to say "Can we all run around naked in the streets yelling yayyy NME has only flippin well finished her forms!!!!!!!!!!!" :j :j :j :j :j :j :j :j :j :j Anyone for wine...? :beer: :beer: :beer: :beer: :beer: I love Martin, and Richard, and Fermi, and WDIAG, and DD and…
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Need Help
Hi All, I've been receiving money saving emails from this site for a while and visited this forum a few times for guidance. The current situation is that we have about £30k - £35K in debts. We had a florist shop, don't ever even consider doing it, and have now got rid of the millstone around our necks but we are left with…
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Car parking fines
Just come across some old parking fines that my dopey ex managed to tally up, but the car is in my name (grrrrrr). Can I add these or not?
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Waiting for OR contact
I went br 2 weeks ago now, and have heard nothing from OR. When i spoke to them on the phone at court they said they would contact me via letter with a form for me to fill out, but have had nothing so far. How long does it take to get this?
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ipo question
Does the O/R let you know if you dont have to contribute from you wages,or do they only send a letter if you do,its like been in limbo,i got a letter saying i can keep my car and a seperate letter saying i had to give them my tax from my wage,
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How much will I have to pay back?
Ok my business has collapsed and the company that own the building are making me surrender my lease as I owe them money. The business is on the open market and was nearly bought in September but at the last minute they pulled out. Not being able to sell my business will cost me up to £95,000 I will probably declare myself…
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Are these outgoings ok?
Hi, This is a list i have put together of my outgoings and would like some advice on whether this would be acceptable by the OR. Rent 375 Council Tax 67 Gas 15 Elec 20 Water 17 BT Landline 7 SKY 13 TV Licence 6 I rent a house with my girlfriend and we divide the rent/bills 50/50, so the above totals are what i pay. The…
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SoA - What was the debt for?
I have a mountain of various debts - some I can answer and some i cant. Some were genuine living expenses, some were business debts and so were just plain frivilous/stupid and greedy :o and its those that i am having trouble with - what should I put? :confused:
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my house has been reposessed
Hi I was planning to go to court to hand in my bankruptcy forms within the next few weeks but i'm not sure what to do now as my house has been reposessed. The locks have been changed and its on an estate agents website up for sale but its not been sold yet. I read somewhere that they keep adding on interest until the day…
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Question 1.16 - Legal proceddings.
Iy asks you for details of legal proceddings, but makes reference to things that are non financial :confused: (custody charges criminal hearings). Is this where I put my CCJs? Thanks NME
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does anyone know the answer
Hi to anyone who reads this we have been in an iva for 2 years and in november i was dismissed from my job which i am appealing but with no hope then i will be claiming unfair dismissal, but what i am trying to find out is until i find a job if i miss three payments the iva company will take us down the bankruptcy route…
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I'd love some advice please ;-)
I've a very small and struggling business. Currently operating on a sole trader basis. Overthe last 3/4 years I'v accumulated around £30,000 debt. This is from loans/overdrafs and credit cards. I'm separated from my wife, and have been for about 2 years. We are still friends so when I spoke to her about my debt problems…
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£38000 debt I can no longer afford to pay
Hi All I am new to this and have refused for years to get help but I would now like some advice or guidance. I have done a lot of reading up on IVAs and DMPs but do not have much understanding on bankruptcy. I know of the charity counselling services such CCSS, and I will eventually use one of these agencies. I am 26 and I…