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Over 104,000 views now, well done everyone! This must be turning the tide against this despicable system. ;D ;D ;D

Dealing with Debt / I just want to say hi
« Last post by RandyRaw on Dec 04, 2018, 08:46:34 PM »
hi I just want to say hi, I really love this forum! Have a great day
Dealing with Debt / Bankruptcy
« Last post by mikemitchell on Oct 23, 2018, 06:10:36 AM »
Hi All,[/font]
I have been under major threat from my creditors, as I fall behind my bills which got due for couple of months. How can I get rid of the debt?[/font]
Dealing with Debt / Wifes Debt
« Last post by Soko on Oct 04, 2018, 12:33:36 AM »
I have just found out that my wife has run up some credit card debt. The total she has owned up to is approx. £12k  This is not the 1st time and on previous occasions I have paid the debts off.
She has no way off paying this debt off.  She has a small income of £70/week. There are good reasons why she cannot get a better paid job. We live in rented accommodation and we both have little of any value. I have some savings but refuse to see my hard earned cash disappear. I presume the Card companies cannot force me into payment or take away anything that I have purchased.  She has made an IVA of £120/month to one company (£10k of debt) She now contributes zero to the household. What do you suggest? my worry is she has more.
Dealing with Debt / Where to?
« Last post by Blackmog on Oct 02, 2018, 09:57:11 PM »
Income and social status higher income and social status are linked to better...
Dealing with Debt / Can i?
« Last post by Blackmog on Oct 01, 2018, 05:53:26 AM »
Correctbfeedbackbbrbrfalse the attraction of this conception of health is that...
We've now hit 75,000 views..................very nice. I hope those DWP mugs are being absolutely swamped by mandatory reconsiderations. ;D
Bankruptcy / £38k debt
« Last post by Tattooedk on Jul 12, 2018, 01:09:10 AM »
Hi, I am looking for general advice on bankruptcy.

My current situation is that my wife & I separated about 6 weeks ago.  I am living at my brothers place for a while I work on a more permanent living arrangement.  I have approx £38,000 of debt between credit cards & loans etc which I am looking to declare bankrupt.   I do not own my home, my wife was the only one on the tenancy, I have no savings & am paying about £1,100 a month on my debts, £400 a month rent plus travel & living expenses & I also help my wife with a few of her bills because I was the main bread winner in the family.  I only earn about £1950 per month take home.  I don't really understand how the bankruptcy works when they decide how much I pay back? how is this calculated & on average in the UK; how long is it before you are discharged?

Because my living arrangements are temporary at the moment, none of my addresses have been changed yet.  Would I have to change my address to where I am living before filing for bankruptcy?

Thank you in anticipation of your help

Well folks................I managed to get my 1st Appeal delayed by an extra month. However, it went ahead eventually. I didn't bother going because I knew it was a waste of time. Fortunately I dragged it out so long that I was back in work the week before they booted me off it. Overall from the date of the WCA I managed to squeeeze another 4 months out of them, enough time for me to get things going again.

I assume as 44,000 people have now viewed this thread the DWP are now receiving a large volume of appeals.

Keep it up everyone, the system is rotten to the core so fight it !!
Bankruptcy / how quickly are bank accounts frozen?
« Last post by essexman1966 on May 25, 2018, 05:37:43 PM »


I have a very specific question concerning bankruptcy. How quickly do the banks move to freeze an account?

Here is my situation. I think that I was declared bankrupt today as a result of a petition by HMRC. (I was unable to attend the hearing as I am abroad on work, and I did ask the court for an adjournment by letter for this reason, but let's assume the adjournment wasn't granted.)

I assume that because Monday is a bank holiday I won't appear in the insolvency register until Tuesday at the earliest.

I should get paid by my employer next Wednesday (by Faster Payments, not BACS).

I have two accounts: a NatWest Select Silver, and a Cashplus prepaid debit card. I don't have any borrowing, or a chequebook, on either. There's not much in either of them.

Currently my salary goes into the NatWest account but it would be easy enough to change that before my payday.

Ideally, what I need to be able to do is to get some cash and pay urgent bills (rent etc.) as soon as I am paid - then that gives me several weeks before the next payday to sort out a new basic bank account if I need to, and obviously I will have spoken to the Official Receiver by then anyway.

So, is it likely my NatWest account could be frozen as early as the Wednesday?`

Would Cashplus be likely to freeze it at all?

If I called the NatWest insolvency team on Tuesday (I have the direct number) would this help avert the problem, or would it just alert them to the bankruptcy and make them more likely to freeze it?

Obviously, the timing and being away from home just make things more complicated, but there's no avoiding that.

Any advice much appreciated!

Thank you

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