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Tenancy???
Hi Have just read my tenancy agreement and it says that "We may repossess the property if you become bankrupt". Does this mean that I can't do it? I'm up to date with my rent and will continue to be so as it's the very first thing that comes out of my account after I get paid. This place is furnished - if I get kicked out…
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bankruptcy in scotland
how long does bankruptcy last in scotland? can you add student loans to it in scotland?
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I'm a happy bunny today!!
I spoke to the OR today because one of my bank accounts that I expected to be closed was left open and they have sent me a new debit card, and I just wanted to check with the OR that I could use it.He said I could so I'm happy, PLUS, while we were talking, he said he was putting me forward for Early Discharge :) Said my…
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Eviction (ultimately meaning bankruptcy) on Monday, can it REALLY be stopped and how?
Apologies if this is not the right forum, looked around but couldn’t find any more relevant place. Long story short: -Lots of equity in the property; -Have accepted an offer to sell months ago, but due to delays in the chain exchange of contract will not happen in time; -Lender doesn’t accept anything other than proof of…
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Had discussion with CCCS...
We had our telephone appointment with CCCS. He was very direct and competent, suggesting a DMP rather than IVA, however we have a few concerns. One of our biggest creditors is MBNA. The CCCS advisor said that MBNA were unlikely to agree to reduced payment terms and that we'd be likely to end up with them chasing us and a…
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Where is loopy_lou
Wasn't her OR interview today??? WHERE ARE YOU LOOPY TELL US HOW YOU GOT ON!!! :T
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Early Discharge ?
Hi, I went BR in September. The OR has completed his checks into my affairs and has now passed my case onto the RTLU to disseminate workload. I have no assets and have an IPA set up which has started. Is this a case liable for consideration as early discharge does anyone think? The Report to Creditors was sent out to the…
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DozyDora's BR
Hi Guys, Well this has now become a reality for me as I have a court date of 23/10. It was really weird I was so nervous just calling and making the enquiry as to whether I needed an appt and what the cost were. But as soon as I got off the phone there was a temporary feeling of relief, like I had made the first step…
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Completion of SOA form; question
Hi All, I have been sent the Bankruptcy petition forms from my local County Court and have been perusing them and worrying myself sick. In part 3 of the SOA I have to list my assets. One of the sections is 'Fixtures and Fittings'. Can somebody please advise on this? We do not have anything worth a large amount of money (no…
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Help for "girlie" on DFW please
Could one of your resident experts have a look at this thread please http://forums.moneysavingexpert.com/showthread.html?p=7619253 It concerns possible bankruptcy with negative equity, and credit debts too. Thanks
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An IVA question...
Firstly, hello all! :hello: I have been lurking for a while now, and the advice given across the boards has proven invaluable to our household - so thank you. Please can I pick your brains about my IVA situation? I entered into my IVA in February last year, following some well meaning advice from a friend of mine... How I…
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offers of payment
well ive sent letters out offering payments to my credit cards of between £65 a month (a £12k balance) and £15 a month (£2K balance) stating the fact its that or BR, no-one can say i didnt try.... if any object it all collapses like a house built of cards and ive told em it all hinges on the freezing of interest and…
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Is it really over ?
Hiya I am due for automatic discharge tomorrow but I just wondered if there was anything else that the OR would want from me ? Should I have filled in another I & E ? I filled one in when I went BR but haven't received anything else since. I know that some of my post hasn't reached me so I'm wondering if there is anything…
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My E figures!
Here are the "E's" of my I and E's. Scary to see it all down in black and white. These are monthly. Your thoughts are greatly appreciated!... HOUSE Rent £700.00 Council Tax £158.00 Water £53.00 Gas £97.00 Elec £76.00 Food Shop £380.00 Holiday/Gifts £100.00 Health / Optical £20.00 Grooming £10.00 Childcare £120.00 Clothing…
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BR......trump card?
are there any debts that br DOESNT wipe out other than current year council tax bills, which seem to be the only ones with higher priority....?
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Token Payments
Hi - me again :D I've had (yet another) tax credit reduction which seems to have been prompted by the adjustments to payment dates over the Xmas period. I've lost £15 a week and now I've done my budget again, I'm actually in a deficit. I've started making token payments to some of my creditors (others seem reluctant to…
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would I be right to go bankrupt
I have 2 cerdit cards with the balance of £16k between and next £3k phone bill £800 (was initially only 120). I had to give up my job recently as I was suffering from depression still am. I live at my mothers now with my kids as my last home was constantly being broken into. I have no savings no car and I am now on…
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Can anyone advise please
Saw this on the DFW board and thought someone might be able to offer the OP some advice I've posted a link to this thread in the original post on the DFW board [IMG]file:///C:/DOCUME%7E1/HOME/LOCALS%7E1/Temp/moz-screenshot.jpg[/IMG] I hope I've done this right ..... Monthly income Wages: £1,156.00 Child benefit: £56.00…
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Early Discharge Process
Don't know whether to laugh or cry. Have just informed Clarke Willmott of my change of address. Good news! Even though my rent has gone down by £50 they don't think this amount is worth changing my IPA for. Bad news: I just spoke to the OR about changing my address, and found out I am not going to be getting ED as I have…
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IPA question
Hi Everyone Im now ready to go and file the forms for BR, looking ahead i am concerned about how the OR will look at my current and passed earnings. I am self employed my income has dropped a lot over the past 3 months and jan feb mar are always the least busiest months for me. When it comes to looking at an IPA will the…