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Help! With Joint Bank Now in OH Name
Some of you know I went BR back at the begining of OCT. At the time we had a joint account which was £2k overdrawn, I included this in my BR because it requested that info. I/we have heard nothing from the bank since my BR, that is until today. They have just sent my OH a final demand notice. The first line says "despite…
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inland revenue and BR
if i went BR do any outstanding dues to HMRC (IR) get included in the debts to be considered?
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Upgrading my mobile...
I can now upgrade my mobile phone but having a look on the Vodafone website it seems they could credit check me again even though I have had an ongoing contract with them for a good few years. Does anyone know whether this is right? I won't be paying any extra, I just want a free upgrade... now I'm worried they'll take my…
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Debt Doctor/Expert question re: income/possible new job?
Hi all! Doesn't time fly! Nearly 6 months in! Ok...question for the experts! I've been a good £400-£600 under my 'total outgoings' that I put on my BR forms for a good 5 months now. I'm commision based & it's been shocking for the last 1/2 year! Now..95% sure will be offered a new job to start in January-with a reasonable…
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question reguarding br
Iam going to be going bankrupt have my date for court on the 6 february. I have a mobile phone which i need for my health, will the or allow me to keep this. also i have the internet which i need for my studies at college, will the or allow me to keep this, i have a landline which i need for the broaband, i have sky can i…
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Joint Bank Account
OH went BC early November, we have a joint £3K overdrawn bank account, the OR informed OH at his interview that the account had been frozen, I wrote to them informing them that i am not in a position to clear the overdraft and sent the standard CCCS I&e form and asking them to freeze any interest etc. I have had a bank…
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I've got another one!!
I've just noticed I've got 3 stars. When did that happen? Does that mean I get a prize? :D
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how do i go bankrupt
im am now in a situation where i just can't make the payments anymore on my debts, iam in private rented and that is taking a lot of my money as i have to pay a lot towards it, what will happen with my house with it been private rented, what will happen to my bank account i am in my overdraft and it is big, also how do i…
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Joint bank accounts
I have made my BK appointment for monday. I have a joint account with my husband - it is a basic lloyds account and we do not owe them money. My questions are: if I take my name off the account will it still be frozen? will i have to declare it? I dont want to do anything wrong so all advice will be welcome Thanks
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CCJ proceedings whilst waiting for Bankruptcy court date
Waiting for bankruptcy proceedings date from court and Ive received CCJ forms from one of my creditors solicitors. Various options given, admit debt, refute debt, or offer payments. What do I do? Or how should I reply? Will my bankruptcy proceedings be affected if the date comes through while the CCJ is being processed?…
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Quiz Time - Guess why i am posting this????
This message was left on the15th December 2007 and is not the one that was originally posted with this thread. Why have I done this? Simple I have decided to leave the board but I know if I post this in a new thread the thread would just get taken over by Trolls and other assorted idiots slagging me of and accusing me of…
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Finding the 'living with it' difficult...
I went BR in September and the first couple of months have been fine, I've had quite a healthy bank balance... but after some careful investigation this was mainly because the council had messed up my council tax direct debit, I had some money back (only £60) from my pet insurance and I wasn't paying for travel for a month…
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Just a quick question.....
Hi, everyone :D Does anyone else have trouble getting on and STAYING on this dam site since the hiccup a while back, I think this is the first time I've managed it :mad:..........sorry, that wasn't my question btw :rotfl: My OH has received a letter from his OR saying his case has been passed onto the RTLU office to deal…
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Bankruptcy & reclaiming bank charges
Hello all I have a question that I am unsure of wondered if anyone could help me? I am unfortunately in the position of having to consider bankruptcy due to my situation such as it is but have not yet applied for the forms. I started attempting to reclaim my bank charges around April/May 2007 & got to the stage of…
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Clarke Willmott - Taunton
I think a few of you use them to pay ? how quick are they at setting up ? I sent my IPA signed on 1/11 to OR , they returned it to me on 13/11 saying CW would be in touch ...... nothing yet :confused: I was supposed to pay my first payment on 1/12 :confused: Also while on the subject, my bank account is actually looking…
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Clarke Willmott
I hope I haven't pulled this name out of a hat. Has anyone got their number. They're dealing with my IPA, but I have not had any further information from them and I know payment is due this month sometime...Here come another reason not to allow my ED. :eek::eek:
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Christmas - Before,during and after......
Just been thinking a bit about you all as we approach the most expensive( well in the past!!) time of year and wanted to share our experiences of Christmas. Before BR we had a fairly lavish time which we could afford then. Last year on 1/11 at 12 noon, all that changed as we were declared BR. " how do we afford it?" was…
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A question for anyone who has done voluntary repossession?
Hi there I'm hoping someone can answer this.... We considering BR and will need to give up the house - our secured repayments are now way too high. When going down the Voluntary Repossession route, do they still tape up all the sinks/toilets and put a notice on the window? Reason for asking is many friends actually walk…
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Creditors keep calling at work!!
Hi,My partner and I are looking to go bankrupt beginning of January. My partner has stopped paying his creditors and recieved a "notice of default" yesterday from a major bank re. credit card sayng that he has to pay £752 (minimum repayment) by 13th Dec or they will take further action. Does he have to do anything with…
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What to do if a company goes bankrupt and you're owed money?
Hi everyone. Really not sure if this is the right place to be posting this, so hopefully one of the mods can move it for me if it isn't ;) OK, well a company I did some work for has recently gone bust and I'm owed £1000 from them. It's really messed me up for Xmas actually. What would you guys recommend I do at this stage?…