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Progress report.......
well there isn't one really, we we supossed to be going BR on monday just gone, but last thursday when we went back to CAB to check our forms a lot of things on there were incorrect, so we decided to leave going BR until this monday coming. its getting increasingly difficult to cope on a day to day basis & i'm getting…
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Can the landlord make us homeless?
If you are in private rented accomodation, and then go bankrupt can the landlord/estate agents have us thrown out? :confused:
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Will joint debts be wiped??
Hi guys, if my partner alone goes BR what happens with joint debts, do they get wiped or just the half that OH owes? We have an joint overdraft of £800 plus a joint personal loan of £2,000 both of which are on a debt management plan with CCCS.
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well im officially Bankrupt
as of 9.30 this morning I have been declared bankrupt , it was nerve wracking and upsetting didnt sleep very well last night, had to see judge who was really nice , my mum came in with me as my OH was working , spoke to or office , they will ring me on 5th feb to go through forms etc. feel so relieved it's over it was…
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How does this look
This is just approx at the moment working things out for my OH. Based on a household of 2 adults and 1 baby (some things have also had to include OH's daughter who we have on a weekly basis) Incoming: Wage - £1020 Child Tax Credits - £242.50 Working Tax Credits - £55.56 Total £1318.06 Outgoing: Rent - £270 Housekeeping…
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Does the OR get in touch with work?
Hi there sorry about all these questions, you are all so knowledgeable I can't stay away!:o If my partner goes BR will his workplace find out, he is a lorry driver for Biffa waste so I don't think it would affect his job there but I think he's thinking the less people that know about it the better. Thanks for looking…
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should i contact or - concerned
today i got an o/s bill for my book club , its no interest etc i forgot about this acc tbh , my q is should they count as one of my creditors and if so should i phone the or and advise them , i could pay this now but obviously dont wanna be seen to treat another creditor preferentailly will i get into trouble if i ring the…
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Renting after BR
Hi Just a quick question, Looking for somewhere to rent as going BR in next couple of months and giving up my house due to secured loan. My mortgage is currently £656 interest only but would be £852, went int only due to the increase after renewing in Nov, so haven't actually paid the higher figure (as we can't afford it)…
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Credit Card - Discharged bankrupt
Hi Guys, I was made bankrupt in Feb 2004 discharged feb 2006. I was just wondering if any place would give me a credit card? Not to spend money that isnt mine but to pay in full every month, just to try and rebuild my credit rating (wouldnt mind if the credit limit was only £50).. If not how long will it be untill i can…
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Bank account questions
Afternoon all. I have a Barclays account just in my name that was a Woolwich account. This has no overdraft (paid off a few years back) and is where all of my DDs go from. I have a connect/debit card. I also have a joint Abbey Account that ex uses. Its a joint account but only he uses it (he has my card - I told him to…
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Help for a confused newbie
Hi, wondered if someone could answer a few questions for me. I'm in debt (£30k) a loan and credit cards mainly. I was starting an IVA a while ago now, but just after I got all the forms I had a car accident and was off work long term, I also lost my flat mate and had to pay all the bills. I now have a partner and he has…
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SOA online
Just looking at what we need to fill in... on the outgoings bit there are a list of things Housekeeping (including food and cleaning) Water Telephone charges Travelling to and from work and other essential journeys Clothing Maintenance payments and fines Council tax Other essential payments (e.g. life/household insurance,…
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mum uses my bank account
can any one tell me whether an abbey bank account that i have held for years but not used myself ,will be frozen when we go B.R. mum had a patch of trouble and has been using it for about 3 years now. g
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OR starting his work
I went BR on the 19th of December 2007. I had to call the OR a week ago to hear what was going on as no-one had been in touch. I have just now (29.01) received a brown envelope containing two forms I have to sign and return. The news that a face to face interview will not be necessary is very welcome but it's all…
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Help with Bankruptcy
My wife and I live in NE and we have about $90,000 in student loans which leads to about $600/month. We also have two personal loans totaling $15,000 leading to $550 a month. As well as a LOC of $11,000 for $200/month. We also have two car payments equaling about $600/month. Finally we have $10,000 in Credit Card debt…
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light at the end of the hole i've dug
Hi everyone,before i start can i just say what a life saver this forum is.I've been reading all the threads daily for the last 3 weeks,and just knowing you are not alone,and that there is such great support and advice out there has given me my first full night's sleep in months,and made me realise that the future is not…
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Childrens' Savings Accounts
Afternoon all, Do I need to 'declare' (for want of a better way of putting it) my childrens' savings account on the BR forms? Obviously the money in them isn't 'mine'. They have a post office account each that I opened for them both when they were babies (just a few hundred pounds in each one) and my daughter has a…
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Probably a dim question about ED
Hi All, My husband and I recieved our EDs this month, had the sealed court notice sent to us and its on the website to confirm. I just have a quick question tho - at the bottom of the notice it says something that basically in summary is about still co-operating with the OR in big bold letters. So heres my dim question,…
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pixpay cards
Has anyone tried these cards where you credit it to use it on line etc? You can have your wages paid in too. Wasnt sure if they are a can. Hopefully wont need one just worried about my account when we do go br. Have two basic cards but hubbys wages gets paid into one.
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positive day today
hi all , despite the dreaded gas meter being fitted i acctually stopped thinking about doing things i have done it , made appointment for cab on mon , phoned the courts for the b.r. forms, a second opinion on the price of the house , so all being well this time next week the house will on the market the beggining of a new…