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After some advice please - How can I help?
Hi, I'm after some advice, I'm not being nosey but I am very concerned about my neighbour. I found out last week that Mr neighbour went bankrupt in March and was discharged in October, they are currently loading a self hire van up with their goods, and a notice has been placed in the window by whom I don't know informing…
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Best way forward with Bank and 2nd charge on property
First post on this message board and have to say this site is really fantastic for info and support. I have a problem with one of the major high street banks and would welcome some support and advice in going forward. Sorry in advance as this is a bit complicated- My former partner went bankrupt in 1992 and has sice been…
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Am i bankrupt?
This may seem like a silly question - but i've just had a conversation with my bank about something totally unrelated, and they said its showing i'm bankrupt on my file. I'm not aware of this, have never received any letters about it. I've been at this address for 4 1/2 years and am registered here. Is there anywhere I can…
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Help with BR forms
I am having some trouble with the two questions on the forms that deal with when you first had difficulty paying your debts and reasons for bankruptcy. As I've mentioned in previous posts I was left with some debts from my divorce in 1999/2000 and because I was unemployed I couldn't pay the debts and got CCJ's. Obviously…
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NT Tax Code
Since October I don't have to pay the tax, I put the money aside of course - but never heard from anyone wanting to collect it. How long does it normally take? I assume there no chance that they "forget" it?
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Still not started BR yet
Hi all, We still have to sort out some things before we go BR, one of them being where to live. My d/h originally wanted us to go down south and live with his brother who lives in a 2 bed apartment. I'll try to keep this short, my bro' in law really irritates me, I can manage a few days but no more! A couple of years ago…
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help not sure what to do
i've join mse for help, i'm in dept up to my ears about 27k. thinking for going bankrupt, seems to be the only way, i'm with cccs and they are brill but thought of pay money of for a lot of years, seems impossible, i'm not sleeping well and getting upset. My boyfriend does't know anything about my dept he stays over quite…
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beneficial interest - bankruptcy
beneficial interest - bankruptcy I am trying to find out the best way forward - my boyfriend has over £25K of debts, we have a flat, it was bought for £134K but I put down a deposit of £7K (although I said it was joint deposit) so our mortgage is for £127K. we are looking at various situations that may help and when…
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Considering Bankruptcy - will OR tell employer?
Hi,My partner and I are both considering bankruptcy, but I'm not sure how this would affect my job. Im an Accounts Manager at a transport company, and have worked there for 10 and a half years now, small firm, and have worked myself up to this position. I dont hold any Accountancy certificates and Im not a member of any…
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Discharge Certificate
Sorry if this has been asked and answered somewhere else - I couldn't find anything. I have been discharged since July 2006 but haven't paid the £60 for the official court certificate to show that. I am desperate to get a better bank acct but my credit report doesn't show that I am discharged so there is little hope of…
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Buying a car when you're bankrupt/sequestrated
Can anyone clarify to me the rules about buying or acquiring new assets when you've already been made bankrupt/sequestrated? I'm only planning on spending about £500 on an old banger. Also, will I have problems getting insurance?
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filling out form for br....
FONT='Times New Roman']In the last 2 years have you made any payment to a creditor, other than in the ordinary course of business, with a view to improving the position of that creditor in case you became subject to insolvency/bankruptcy proceedings?[/FONT can someone explain this as i have been paying creditors through a…
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nearly missed my hearing
My daughter rang me yesterday just for a chat, and in the conversation she said she was glad it was pay day tommorrow ( the 27 th) It 's not the 27th tomorrow I said it's thursday, thats when my bankruptsy hearing is ., No it's not she said it is tommorrow . went to grab the calendar and boy was I in a panic. Will I sleep…
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Tax rebate question
Hi everyone I just have a quick question for you. I got a letter in the post this morning from the IR and they seem to think I am paying too much tax. They have sent me a form to fill in so that they can look into it. I have automatic discharge in 5 weeks so what happens if I get a rebate after that ? I know from past…
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it's time to take first steps...very scared
hii'm fairly new to all of this but have been helped out on a couple of issues these last few weeks with my thanks. i have been trying to pay off debts of £30 k for 5 years now havent got anywhere, most from my marriage breakup 7 years ago of which oh has got away with as i was the soft touch who caved in with creditors. i…
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Had my OR meeting this morning
Hello everyone, I had my phone interview this morning and I have a couple of queries. They won't allow me to carry on paying back the money I owe my Mum and dad each month and the money I owe my GF for cash I've borrowed, is there anyway I can appeal against this? They wont allow me to pay half the costs on the car that's…
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12 Months On - My time to reflect - it's REALLY all over
It is, today, exactly 12 months since I walked through the hallowed portals of the Royal Courts of Justice for the 'three minutes' that transformed me from 'Debtor' to 'Bankrupt' and totally changed my life. I appreciate that I received my Early Discharge after six months, but today kind of puts the stamp of 'Finality' on…
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Debtors Petition help filling in forms
These forms are hard work... I'm on section 3.1. how detailed do I need to be? for fixtures and fittings do I need to declare bookcases (2 cheap ikea ones) etc and where it asks about freehold and leasehold land does this mean apart from my own home or is my home excluded from this question? Very confusing and I'm looking…
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Has Bankruptcy Improved Your Sex Life?
Thank you for reading this Thread!:D It's not quite as daft a subject as might be imagined by those of a more "narrow minded persuasion".;) After spending many years trying to resolve some insurmountable debt problems I was amazed at the feeling of absolute relief when some misguided "bowel dweller" of a creditor…
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Couple of questions
My husband filed bankruptcy in April and just got his notice it has been discharged (yay!) We didn't get any information about this though, so will his tax code immediately go back to what it should be? His tax code went to the emergency tax code and we've been paying a solicitor appointed by the OR the "excess" tax,…