Hi thanks for your reply. Thats what i thought. Does anyone else know of anyone who has done something similar and what was the outcome. We know the VAT man can be a sod Cheers

Hi i would like to ask a question on behalf of a friend. A mate of mine is going to go bankrupt next month by his own choice mainly because of vat and personal tax (self employed) He hasnt paid any VAT or tax for over a year and is still trading. At the same time he will of course wipe out a few oth...

Thanks melanie for your reply. Time to get out and rent and get our lives back.2008 not so good but 2009 lookin good so far. Just a quick note to anyone else in the same boat when it comes to renting go through a letting agent and be up front about your insolvency. Apparently it is soley up to the d...

Hi after what seems like ages my lender has decided to take us to court for repossession next month. Just a quick question is it worth us going to court for any reason and is there a standard time that the judge will say to the lender for the baliff to come round and change locks? Also because i inc...

Hi also what is the process of reposession do we have to go to court etc Thanks

Thanks hopefully they might accept they could probably do with the money at the moment

Thanks for your replies. What do you think if we were to write to them to offer a regular monthly payment (alot less than should be)do you think they would accept or blatently turn us down. At least we have tried to make payments of some sort.

Hi does anyone now after how long of not making mortgage payments do the lenders push to kick you out? We are with the NatWest. Thanks

Does anyone else have any dealings with firstplus?

Thanks alot

Hi Melanie thanks for your thoughts. Yes your right some lovely places to rent £700.00 a month brand new we can save a bundle. Incidently please know that when i did go BR no small businesses were affected just banks!

Wow quick reply. Yes OR has said that the shortfall will be inluded in BR and the two Mortgages together are £1350 a month really expensive so no worth staying. One loan from Natwest is interest only so this place was never going to be ours anyway.

Hi I would like to ask for some advice with our situation and wondering if anybody has any words of wisdom! Two months ago i went down the bankruptcy court and applied for bankruptcy which has been accepted. One of the main reasons which i did this was because of the amount of Mortgage payments we w...