I have never missed any mortgage payments and my husband is to buy out my half of the equity in the property. I went bankcrupt in April and received early discharge in October and I have heard nothing about the house as yet. The only problem is that when I had the house valued in May it was worth al...

I was told that because it was an endowment policy linked to my mortgage it would not be in the interests of the mortgage company to make me surrender it. They have now said that they have contacted my mortgage company and they say its not connected but it is. I have a half repayment and half endowm...

Hi, I received early discharge from my bankruptcy in October and have just had a letter from the insolvency service to say they are wanting me to surrender a endowment policy linked to my mortgage which previously they said would not have to be surrendered. can they do this after i have been dischar...

I'm here too trying to chill but too many questions buzzing around my head. Went bankrupt on 25th april and awaiting meeting with OR. Really scared, more the fact of the 'unknown' Will I be able to keep car, house etc.

OR states we have to get our propery independantly valued. I have asked if an estate agents valuation will do and they said yes but if the value is not a true representation we would then have to pay for an independant valuation. Is this right that we would have to pay for this ourselves? It just ge...

just another question Melanie thay are jointly owned with my husband so how would that work?

oh dear I was hoping they wouldn't with it being linkes to the mortgage. Thanks for the reply

Hi, went to court last week and declared myself bankrupt. My home is jointly owned with my husband who was not involved in the bankruptcy. We are hoping that he will be able to buy out my equity so that we will not lose our home but what I'm worried about is that we have a part endowment. part repay...

My bankruptcy forms are nearly complete, all I need is to wait for pay day next week and I'll have the rest of my £500 fee. Still hoping to win the lottery on Saturday though so I don't have to go though with it!!

Does anyone know how long it takes to all go though once you have handed the forms in?

Ah right didn't realise you could get the dates from that I will try it. I know with one you can get a 30 day free trial.

Lesley thats awful. It true everything comes in three's. It is hard when your in an IVA and they have got you paying into it with the last penny you have every month. I have been very down too. I'm off on the sick from work at the moment because this bankruptcy buniness is just so stressful, I just ...

When you did your forms how did you find out the dates you took out your credit cards/loans?

yes the forms do say any bank account you have had in the past two years but was a bit confused as did have a bank account with barclays but it was closed down when i entered ny IVA. better put it down

yes they said that they would not accept anything lower than 26p back for every £1 owed.

The IVA was unrealistic and I think i knew this at the time i took it out. I was just so relieved when it was excepted i dont think i thought properly about how i was going to afford to live. i have a husband and five kids to support and when i had additional heating repair bills costs and a big den...