hi, i agree put everything down the OR will let you know if its now allowed we put down everything we could think of, mobile phones car maintenance etc hairdressing , holiday/birthday/christmas pressies
traveling costs ect luckyly it was all allowed.

thanks for your reply, much appreciated.

thanks for your reply the or didnt really mention it as we were pay mortgage to a few months they did offer for us to but beneficial interest but we didnot. so from what you said all shortfalls will be covered within the bankruptcy is that correct.
thanks

hi, my husband and myself went br in april 08 decharged dec 08. our house was repossed last month by building soc but had phone call to day we would be liable for any shortfalls however i was under the impression than any shortfalls would be covered under bankruptcy any advice would be appeciated.

i aggree barclays are a nightmare i went br in april and they ring me several times a week even though i have told them every time we are br i have even had letters from evershed on their behalf stating that they are dealing with it for them and in contact with the or and they still ring me about ac...

thanks

hi, thanks for your previouse reply to other post, wondered if with your experience you could advise me on my housing situation. my husband and i went br in april we have a house which is shared ownership which is in neg equity we were able to pay mortgage for a few month but unfortunately have not ...

thanks melanie , would you be able to give me any advise on the house situation. would be much appreciated.

thanks skipp13

thanks got a bit worried for a mo, i was contacting them because we are unable to continue to pay the mortgage but dont know how to go about leaving it, we are going to live with friends untill we save deposit for a rental, so cant keep up mortgage as well cos they want about 6 month rent. and as th...

hi, i have just been told that our bankruptcy case has been transferred form the cardiff office to swansea but dont know why , is this normal or is there something wrong we when br in april. wondered if anyone on here could advice
thanks

thanks for your replies, much appreciated.x

no i didnt paul, but the mortgage was not unsecured at the time, i htought that any shortfall would be covered by the br as the house is not officially ours anymore but the OR's.

hi, i opened a co-op account when i went br it did take a couple of weeks though, i explained that i needed it as i was going br but got the account no problems , good luck.

thank both, i thought that was the case but wanted to be sure.x