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last minute nerves!!
As some of you may know im going br at 12pm tomorrow! i've put my soa and reasons in another post but theres a few last minute things i want to clear up. i have a childs bank account for my daughter with £240 in there, linked to my current natwest one. shall i take it out or leave it? will the OR want it? is it worth…
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Latest Stats On Bankruptcy
When I was speaking the my OR two days ago, she said things (BR) were only going to get worse, her words not mine. She was up to her neck in back logs. Who releases the stats for BR'ies i.e I'm sure it must be more than 30k a quarter?
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Bankruptcy Question (help)
Hello, this is my 1st post and I need a little help.
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Advice desperately needed!
Hi everyone, I'm new to all of this and really need some advice to help me and my partner. We have been together from a young age, and due to problems from my partner's upbringing, we both landed ourselves in quite a bit of debt when we were eighteen/nineteen. He had been kicked out by his Mum at sixteen and left to fend…
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Do you really have to inform your new employer about your bankruptcy?
My partner just started a new job (nothing to do with finance) and was asked to fill in some forms the first day, where there was also the question "Have you ever been declared bankrupt". He said No. Do they really have the right to ask this? Can they easily find out and would they even do a search if someone said No? He…
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Are We Freaks???
:confused: well we have just got home from our horendous day at the or office, as suspected we have a smiling assin. all very friendly until we got down to the nitty gritty, he was fine with our business debts but has a problem that we have acumulated cc debts of 45k from jan 06, asked where all this money had been spent…
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Bankrupt credit card
Hi i wonder if you can give me any advice.i declared myself bankrupt last october and got an early discharge in march this year. i have a basic bank account with the halifax with an electron card and im hoping now to start repairing my credit score which i know will take many years if at all possible. has anyone received a…
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Please advise, what would you do?
Had my counseling session today with CCCS. To cut a long story short, after working through debts and budget with the nice guy at CCCS, we have a spare £220 per month that we can pay through a payment plan. I am disabled, unable to work, we have no assets, and we are on benefits, my husband is my carer, with 3 dependent…
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BR and renting...flicker of light
Just like to say a big thanks for everyone's help on here since beginning of year, this place has been a mine of valuable knowledge and support in a terrible year. I went BR back in June, it all went very well, much better than I ever anticpated. Court was quick and everyone was lovely. Spoke to OR for 10 mins then three…
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Questions about BR
My OH owes about 70K acquired within a year due to online gambling. He asked for a debt-related appointment at local CAB and waited 1 month to see an adviser. When the day came, the adviser who saw him said that he would refer him to another adviser who deals with multiple debt. This another adviser was supposed to call my…
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Help with OR Forms
Any advise welcome please.... I am filling in my forms for my Interview with the OR and need help with the following:- I live with my girlfriend (house in her name) - can i say that i pay her rent? Also my work van loan is in her name which i pay back monthly - will these issues affect her in any way? Many thanks :o
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Am I being realistic?
Evening all, have just been looking through the threads and was wondering if i am really being realistic in my belief that i can avoid bankruptcy? We have 22,500 unsecured with a DMP and 75K secured. Husbands wage covers all bills with nothing left. I am self employed. Some days i panic about it and other days i deal with…
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I&E advise please
Hiya When I went BR in January, I submitted my household income and expenditure. I'm just wondering, do you have to do another one for discharge or do they just take the first one into account. I only ask cos if I need to submit another one, I'd like to start on it and get my facts and figures in order. Thanks
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What should I do? so much to think about.
HI, I am in debt by nearly 40k. £27500 personal loan with HSBC £1000 overdraft on sole account with HSBC £2000 overdraft on a joint account with HSBC £4000 credit card with Egg £2500 credit card with Tesco £400 finance for a sofa £250 Gas bill from last year (previous house) I have an appointment at the courts to go…
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Bankruptcy & claiming your bank charges
I remember we discussed BRs making a claim some time ago, where the consensus was that while you're BR any money you get from claiming your bank charges would go to the OR. But what about when you're discharged? I've got my statements etc from my banks, but didn't push the claim because (a) there's going to be a ruling on…
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Advise needed on relative possibly going bankrupt
Just wondered if anyone could give me any advise. Basically my sister is in a huge amount of debt (65K) and as she can no longer afford to pay her rent she is coming to live with myself and my husband. She has been to the CAb and they have said that she can either go bankrupt or try and get herself together with a payment…
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or interviews
hi guys, well the day is nearly upon us, we have our interviews tommorow 10 am and 2pm my wife is first lucky sod so i will have to sit waiting biting my nails for hours. I am starting a new job on less money next week so im hoping he wont shed a dim light on it!! anyway i will let you know what happens:eek:
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How many years of......
bank statements will I need to send to the OR? 1 years? 2 years? 3+
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Do you shred???
Hello everyone, Just a quick question, do you shred EVERYTHING to do with your bankruptcy? Do you keep it until discharged or just shred it? I have 3 huge files on letters, demands etc and don't know what to do with it all!!! Thanks :D :D
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Co-op cash minder - concerned!
Hi, After bankruptcy being suggested by the CCCS, and advice on opening another bank account (the bank is one of our creditors), I rang the Co-op. I explained the situation, that I wasn't bankrupt yet, full counseling session on Tuesday, and then proceed from there. I said I needed a bank account for my DD and because I am…