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Do I tell my landlord I'm going BR?
Hi, forgot this in my last post... Hubby and I rent through an agency for a private landlord. We have met the landlord and she is very nice and has even paid us money as I am a diy nut and have done a lot of smartening up to the property which was a bit shabby when we moved in. Do I warn her or the agency I am going BR -…
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Querey
Hello all, this is my first post. i have a question, the company i work for want to issue me with a business credit card, who gets credit checked ? me or them ? My history > > bankrupted in sept 2001 , lost my business , home , the lot !! Now live in a rented house, married, two basic bank accounts, managerial post at…
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under IVA but thinking going bankrupt
Been under IVA for 1 and a half year . I never went to the free organizations about my debt I just googled it and now I am strugling to pay the bills , I'm already behind on the payments for IVA like 2500 pounds. This is not for normal payments for IVA this just the money I had left over after bonuses and staff but I didnt…
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Contacting creditors post bankruptcy
In addition to the excellent sticky by fermi: If you are telephoning creditors to confirm the address for the Data Controller & have access to a fax machine, it may be worth also asking them if they'd accept the letter & documents as a fax instead of by post. Two of my creditors were quite happy to accept a faxed copy. Not…
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Is it just me that's confused?
On fermi's superb Thread about CRF clean-ups he specifically asks that nobody replies. Simple enough language to understand and a perfectly reasonable request; what happens? Three other guys by the same name reply.:confused: :confused: Some people.:rolleyes: :rolleyes:
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Jobs and Bankruptcy
I used to be a mortgage advisor a couple of years ago before becoming self employed.. i'm pretty sure I can't do that anymore as it's regulated by the FSA. I just don't know what to do, i'm applying for jobs at agencies and they are looking around for me but I feel embarrased that I am having to move away from what I know…
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Getting ready to go BR - am I doing this right???
Hi everyone, Hubby and I have come to the difficult decision that BR is our only choice. We owe £60K :eek: which is ridiculous and we can never see a way out bar a nice lottery win. Hubby only earns £12K a year and I'm a stay-at-home mum so no pennies there. We rent a house, our car is worth £500 and we really don't have…
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Income on BR form
Hello again :) I'm part way through completing my petition online (how easy is it? just save & come back - much less scary than I thought) and I'm on the I&E bit. I've read somewhere that you should only list guaranteed income. I've put my Child Benefit and Child Tax Credit down in the 'other income' section but don't know…
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Yippee I can keep my car
My story so far. I went bankrupt on the 27 th of november , it was not an easy dicision to come to , but after adding up credit card and Loans up and being shocked at a figure of debt to the sum of £ 22500 . I soon worked out that being 56 yrs old , I probably would not live long enough to pay these debts off. I read every…
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CCJ or BR....
I remember a conversation I had with birmingham midshires 20 years ago after our house was repossessed and sold leaving a loss of £10000, they said they could make me BR (they didnt, surprise surprise) but didnt offer to attempt a CCJ to recoup the £10000, is there an upper limit on CCJ's? as it was we had an insurance…
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urgent help required
Hi all I have a friend who needs some urgent advice. He received a letter from a DCA today on behalf of HFC bank. It said they were going to issue br proceedings against him if he didnt pay the outstanding balance of £1,250. It also said that if it was paid within 14 days it would be set aside but on non-payment, a week on…
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Bankruptcy advice Please..... :(
Hi all, Im hoping someone can give me honest answers to BR? I have a mortgage of £163k, Secured Loan £12k, HP - Car £7k, personal Debts £8k and the General household bills...... My outgoings per month are £1800. My boyfriend and I was ok, financially coping with only the personal debt and mortgage etc, and had money left…
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Newbie needs some advice please
Hi the DFW forum said to ask here so I am asking :p This is my first time posting here so please be gentle :o I really need some advice re my financial situation. For the past 3 years I have been in and out of hospital having operations ans I was medically dismissed by my old employer. I managed to start a new job Jan 07…
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CCCS to undercut Debt Firms
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DMP or Bankrupt?
Hi , I have been in discussion with Payplan and they have recommended that i go on a debt management plan that will cost £350 / month over a period of six years.Does this seem about the average for a total debt of £25,000 don't know what to do next whether to do this or investigate going Bankrupt any advice would be most…
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Doing your forms online?
Hi, I filled my forms in about a week ago, and just picked them up again to have a final (!) check through and I've never been a fan of my own handwriting! :) I should have been a doctor! :) I've started filling the forms in online, but before I do, has anyone else done it? When completed, does it print it out, or send it…
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anybody have the MAIL ON SUNDAY?
I am sure i was reading(this wks financial supplement) that the cccs are going to start reccomeding IVA's due to the money that can be made from them. In view of the posts on here today about IVA's it might make interesting reading. Wish i had kept the bl***y thing now but chucked it. Anybody else read it? Dalip.
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Bankruptcy and council tenancy
I hadn't even thought that BR could effect my council tenancy. Could it do so? I am, and always have been up to date with my rent and have been in my council house for 15 years.
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Bankruptcy,benefits and DLA
hello, my husband is currently out of work and claiming income support/carers allowance. we have 2 children classed as severely disabled and received DLA for them. he has debts of around 15,000 as he kept having to have time off work with our youngest who has been very ill over the last year and he couldnt afford to pay…
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Having problems staying logged in....
........so please everyone don't think I am ignoring you, because I'm not. Will try and post where I can but may call it a night before I chuck the keyboard across the room. It's hard enough typing with one finger over a baby with out this.