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Bankruptcy is it for me??? please help?!?!
Hello I'm new to this site so hello all ive been reading through some people experinces on this on here and would love some help from people who have been through the same problem i owe about 14k= 3k of this is credit cards and the rest is loans and overdraft. Im not behind on my loans but ive been overdrawn by a grand for…
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Co-op Bank Accounts
I have had a Co-op Cashminder account since BR in March 2006 (discharged Nov 2006). I see from my credit files that they started reporting my info in March 2007 (which is a good thing of course). Does anyone know how long it takes before they will upgrade the Cashminder account? I have asked Co-op staff a couple of times…
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Threatened with bankruptcy by HSBC
At the middle of last month we got a SD notice from the HSBS's legal department (not one issued by court.) Today we got a letter from the Debt Collection Agency that have taken over from HSBC (Red) it says..... The time limit set by the court for responding to the Stututory Demand has now expired. This is your final…
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BI Letters to OR
Please can someone tell me if there are any letters (sample) as my OH wants to buy my Beneficial Interest of the property. Thanks in advance
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what are the implications of a bankrupt Landlord
Hi all - Im after a bit of advice and thought some of you may be able to give it to me. I rent a cafe and my landlord is talking of going bankrupt / IVA Unfortunatly i do not have a water tight contract as he is a friend and i was doing him a favour by taking over the cafe with a gentlemans agreement that in 12 months time…
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The Scottish Bankruptcy Supporters Club
Here we can discuss all our own issues, grumps, advice and worries. Please feel free to vent, that's what we're here for! :mad: I will update my own rantings when I can.:rolleyes: Welcome and know that you are not the first and certainly not the last.:grouphug:
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Individual Insolvency Register
Hi all , How long will my details be held on the internet ?? for me going bankrupt etc ???
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Partners Contribution And Cars Please
I really hope someone can give my some advice i am currently filling out my forms. My situation is that i work to support the house as my partner is not able due to illness,i am filling for BR,i understand if i am correct that i put my partners contribution in,do i put his full benefit in or just an amount as in my i&e i…
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Mobile phone question
I've been with my provider for 3 years now-always paid on time etc.Are they likely to cancel my contract or will they let me keep it as I'm a good customer or do I just have to wait and see?I have got a pay as you go sim card just in case I wake up one day and my phone doesn't work, but obviously I'm hoping they won't do…
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Trying to live
Hi trying to still live , i know your not suppose to use your bank what if you have no income but can still access your account as i need to live like buy food etc how do i go about doing this do i need to ask OR ??? :A
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Help Needed ref mortgage!!!
Hi All I've spent the last few days on here reading through the posts and I'd like to say its helped me enormously I declared myself BR two weeks ago. A little bit of background info for you (I’ve learnt on this site the more info you give the easier it is for you to help!)…. I left my ex fiancée in February 2006. When I…
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Turned down for mobile phone contract
I tried to get a mobile phone contract today so that the direct debit from it would improve my credit rating (T mobile flext) but was refused. I am a bit surprised as I was discharged from bankruptcy over a year ago. My partner is going to transfer our electric bill direct debit into my name so that this improves my credit…
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Employer now bancrupt, need proof of employment
I may be on the wrong site for this question but if anyone can point me in the right direction please. I need a checkable work history of 5 years for my new job and one of my employers went into liqiudation 2 years ago. How can I get details of the date the company went into liquidation?
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Discharged bankrupt closed bank acct
Hiya, wonder if someone could help? I'm a discharged bankrupt and my natwest acct was closed due to debt etc. Before I was bankrupt I had my cards and cheque books etc taken off me for this account and i presumed it would be closed. however a couple of months ago i checked online and there was £45 still in there so i…
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CCJ;s and BR
I got a letter today saying the paper work was being prepared for a CCJ against me. If i get the CCJ, do i ignore it as my date for BR court is 14th August? which would come up first, the court visit for CCJ or my BR court? How long do it take to prepare a CCJ? Sorry lots of little questions, but thanks in advance for…
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Help Filling In The Form Please.
Hi everyone, I am currently filling out the forms and i am looking for some advice On the SOA do i need 3 copies as i have read somewere on here or just the 1? Something else that is bothering me is on the form it asks When did you first have trouble paying your debts,now i have had trouble for a long time but have used…
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Ipoq?
Just received an IPOQ in the post, and a covering letter talking about possible early discharge.Does this mean the OR has finished his investigations?
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All done and dusted
I would like to thank each and every one of you on here. I have been reading all you're post for the last few months. Gathering all the info I needed to go Br.Well I did it yesterday. I went to court every one was nice. The judge was a !!!!!cat I could have kissed him.I then went over to the OR. I was a bit taken back when…
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Moving and increased expenditure - telling the OR
We are moving next Friday so naturally will inform the OR as we are both BR but I assume we also have to supply details of our new, and increased, expenditure too? Our rent, council tax, gas, electric are all increasing. We won't know how much gas/electric/council tax will be until the first bill so is it ok to wait for…
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Ebay Business after BR
Morning everyone. I run a small business on ebay and I am registered as self employed with the IR for this. My ebay fees are all paid up and will not be down as a creditor, and obviously the OR will have all the information available regarding accounts etc in connection with this. When I go BR in August will I be able to…