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cashminder when i have debt with coop
Hi, i have read several threads advising people to open a cashminder account pre BR, to get benefits wages etc paid into, and this seems like a good idea, as i would definitely need to have a "safe" place for these as i couldn't afford to lose any of it, but i currently have a smile current account (they are the internet…
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RTLU letter and early Discharge
Hi, I went BR in late September with no assets. My Report to creditors was issued on the 21st October. My entire case has been now passed onto the district RTLU office to monitor my IPA payments. The OR has written to me to tell me that they have finished their investigations into my affairs and assets. I know there is a 3…
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Considering bankruptcy - any help please
Hi, My husband and I owe around £53K. £30K of this is an unsecured loan from Northern Rock - we had a mortgage with the loan attached with 6.1% apr but the interest rates went silly and we decided to sell up. We couldn't pay off the loan so NR said we could keep it on - at just over 12% apr - we didn't have a choice and…
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help receved tax bill
i filled my self assessment in dec before i went br and on it was a calculation of £247. tax due. i then went br on 10th dec. can anyone tell me should this debt have been included in the br or do i still have to pay it and i have been giving conflicting answers and im not sure? as i have had the bill today
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HELP owing rent housing say they will take house
Ive just rang my housing association basically asking where do i stand if i become bankrupt. I owe them 423.99 arrears which i pay off at £5 a week they say that if i go bankrupt the house may be taken back and me and my kids evicted. I have no problem with paying them i want to keep the roof over our heads, housing say i…
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Renting query
Well, DH & I went BR last week and house is likely to be repossessed sometime soon. Sadly we were not organised enough to sort out rented accommodation prior to going BR. I presume we're now going to struggle, particularly as we are both on benefits. Will having DH's dad as a guarantor make it any easier? Or have we got no…
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Newbie needs advise, in serious debt!
Hi there, i come on here everyday reading everyone's posts and advice on BR and it has been very useful but now im looking for a bit of advice myself. I am 23, have a 16 month old baby and another which is due in may next year, I have been on income support since my partner left in June. This is the only money i have…
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one week after my br
:D went br last monday, i was nervous and upset and did not sleep the night before. i had many kind words of support on this site but still very nervous. i was in court 2 hours start to finish. when i got out i felt very strange as if it didnt sink in what i had done, i felt numb. although it was a great i was debt free i…
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How much should you owe?
I have a friend who is considering going bankrupt, however I think it is uneccessary and have been trying to steer her down other paths first. She is single with no children and her debt is just under £15k. She earns circa £14k PA. I'm not sure that her debt is high enough to file anyway, could anyone help me out by…
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Advice with egg loan
hi, I have just checked on egg bank to see my egg card has been wiped over £4000 gone balance at £0.00,but the loan i had with them is still at the same amount does this sound right or is it the norm. any advice would help. thanks in advance
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Full and Final Settlement offer
Have posted on DFW thread but had no reply so thought i'd post on here after all the help we got when OH when B/c last week. Bit of background OH has gone bankrupt leaving me with £6000 debt (£3k in my name (2 credit cards )and £3k joint overdraft), after talking to the CCCS and Payplan who said going bankrupt was a bit…
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Ive gone BR how does it affect OH
Ive gone BR how does it affect OH Thanks Rafter I was meant to post a new thread not a reply oooppps. I went BK in April 07 and im now discharged. Me and my partner held a joint mortgage in UK and the prceeds were split, however we now live in ROI and my partner has applied for a mortgage with a company thats all based in…
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defaults & bankruptcy
Hi, I have an appointment to go bankrupt in 2 weeks but have been served a default notice on a credit card for £77. Is it worth paying this off before my bankruptcy? Is there any advantage to not having a default if Im going bankrupt anyway? My other half thinks it is better to not have any defaults even if you go…
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Any advice?
I recently went BK, I had two joint accounts with my Hubby which were both overdrawn - what happens now? I belive he is responsible for the debt - will the bank contact him to see what he intends doing- or just send him a demand. what suggestions do you have for the best way of dealing with it? MAny thanks all
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br advice in scotland
Hi folks ive just registered on forum and about to start the ball rolling on the proccess to bankruptsy, im in scotland. ive 40 grand plus of unsecured debt so all my moneys going on paying debt cc and bl im off work sick because of a leg operation so no wages this month, no dd getting payed, so ive withdrawn my overdraft…
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Do I owe enough to go bankrupt?
Hi guys At the moment I am looking at nigh on 8 years to be debt free (need to update my sig methinks). I've just started a DMP with Payplan after stopping my CCCS DMP (long story - hard decision to make) and already I am having doubts about the wisdom of my choice (see my post on the DFW board). I feel that 8 years isn't…
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The Trustee Wants The Money Back?
WHY DID I GET INVOLVED! All advice welcome please!! I lent my brother £10,000 over a period of 3yrs he was going through a messy divorce ~went to court 3 times~however after the settlement he was to pay me back which he did.You guessed it !! The divorce played its part in subsequent bankruptcy.He payed me back in May 2006…
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A question
So you are discharged after 12 months, what happens if you come into some cash or got a well paid job after the 12 months?
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How long before repossession?
Dear all Just been reading a scary thread on Mortgages or House board from a lady who said her mortgage company are taking her to court after 1 month missed payment. We are currently not paying s/loan or mortgage, saving up deposit to rent and then going to do vol. repossession. We have missed 1 payment on s/loan (however,…
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CCJ , massive debt and possibility of being arrested ?
Hi, Im a 22 year old called Andy i have plucked up the courage to start posting on this forum in the hope of getting my money problems sorted. I am in about 24k worth of debt. mostly cards / loans and previous car finance. I no longer own my car as a sold it after i consolidated the finance with a loan from natwest. i have…