Hi Banquo

If you click on the link below ask your question you will have a reply from the horses mouth normally in five days

insolvency.enquiryline@insolvency.gsi.gov.uk

Hi I presume that as you have only lived there for 18 months the property has never been in your name, let me give you two scenarios, 1) The OR after your bankruptcy discovers a loan for £20000 which was used for property improvement taken out a year ago. Upon investigation he sees you paid for an e...

Hi Andy First of all if my comments have upset you then please accept my heartfelt apologies, sometimes my internal humour gets the better of me I have the utmost respect for you as an individual, however I do personally feel the forum is becoming a closed shop and I will make this my last post and ...

It could be Clare that the forum is becoming a closed shop, the Queen watches over her foot soldiers who in turn love their Queen perhaps after attending a few social functions, and agreeing entirely with regular posters you will also become loved.

Hi

Sorry was not aware the OP was in Northern Ireland,if they are then it may be a problem to them

I think what Clare may be stating is that generally they are now no longer advertised in the local press this is since April 2009, the OR can still advertise it if local interest is to be served but it is very rare

Hi Ox1987 I have now read most of this thread and please forgive me in saying this but I really think your suffering the classic signs of depression. You are a professional man and no amount of debt will ever remove your talents but depression is making you feel hopeless a loser and i am sure you ar...

Hi Ox1987

Does this link help you at all ?

http://www.cimaglobal.com/Members/Membe ... ankruptcy/

Hi There A pretty tough time for you both now I imagine and also two kiddies, who perhaps have very little say in what you do as you both chose for them. Debt is a disease which tears couple and families apart, you either fight it together head on or let it divide you. If you have just started an IV...

Hi Andrew Upon reading your post I can understand your frustrations I cannot say I understand how the last five and a half years has been like because I couldnt possibly, but I have to be honest I think sometimes in life the people who are not born to eat at the top table are often paying the price ...

Hi there Did you have a previous thread where you paid Gregory Pennington some £5400, over many months to then realise nothing was off your debt before being passed on to Freeman Jones the sister company to do an IVA and did they explain as to why nothing came off your debt despite paying in some £5...

Hi Val

You mentioned you spoke to your advisor I would get this straight from the horses mouth first, Injury Compensation ( Compensation to damage of the person)is vested in the person not the property of the person that is why it is not claimable in bankruptcy.

Reported in our local newspaper this week The Sentinel a bankrupt hid a £75000 windfall, he received shortly after being made bankrupt arising from an accident and at work. For the offence he was arrested and at Stafford Crown Court this week was sentenced to eight months imprisonment which was susp...

Hi Steve

At 30k miles a year you would have a full set of tyres two services an MOT possibly, at least £55 per month with nothing for unseen repairs, how on earth are you supposed to pay for this CCCS Guidelines are £30 month but you do a much higher mileage

Hi Chris

I can tell you that the onus would be on the trustee to prove she has an interest in your asset, ie your home, not for you to prove she does not.