Thanks Rooster. I think Neil Hamilton was but not sure if he was whilst bankrupt??

Hi I am currently bankrupt ( was in court in October) I wanted to stand as an independent parlimentary candidate next year. Can I do this as an undischarged bankrupt or would I have to be discharged first? Any advice would be greatly appreciated.

Hi everyone Thank you very much for your replies. Really has made me feel better. My wife was also surprised at the sympathetic nature of the OR when she had her telephone interview. I hope everyone of you that has already been through it has come out the other side ok. Thanks once again

Hi everyone A creditor has finally petitioned for my bankruptcy. Was in court last week and bankruptcy order granted. This is result of personal guarantees on failed business. My wife (who was joint debtor) declared herself bankrupt in May this year. The plan was for me to do the same once she was discharged and we had saved up the money again. My wife had a telephone conversation with the OR that all seemed pretty painless. OR was sympathetic. I have had a call from OR today and have to go for interview at OR office. When I asked why he explained that it was because a creditor had made the petition as opposed to petitioning for my own BR. Has anyone been through a face to face interview and is it more intense than a telephone interview. Even though I have done nothing wrong it is still difficult to think that they are not going to grill me to within an inch of my life. I just wanted a telephone interview!! Regards

Hi Erika Thanks for that - It doesn't say anything anywhere about commission paid work. (or if it does I have missed it). If my daughter pays me commission on anything sold (she cannot afford to pay me a regular wage) where do I stand with housing benefit? Any ideas? Regards

Hi I help my daughter out in her business a couple of days a week unpaid since I lost my job. Can I still claim housing benefit even though I "work unpaid" or will the benefits office say I should be paid for this work and turn down my claim?

Hi I sold my car to my company 18 months ago to make it a company car but kept myself as the registered keeper on the V5 document. I didn't inform DVLA of the sale as I didn't change the registered keeper details as I was the main driver and was responsible for tax, MOT etc... Someone has told me this was illegal. Can anyone elaborate on this and tell me if I have done anything wrong that I need to put right? Regards

When you say "find someone to pay the difference" is this at full value of the difference or is it like buying any equity in a house at a reduced rate?

Hi debtinfo Parkers guide says "private good £4500" "private poor £3700" My car is probably in the good bracket Regards

Hi My creditors have finally petitioned for my bankruptcy - in court in 3 weeks. I have a car that is worth £4.5k (book value). My total debt is £225k (business that was liquidated and I had personal guarantees on the loans). Given the amount of debt would the OR still take the car and sell it for £4.5k and give me £2k back to buy another car given that the £2.5k realised by the sale would not even make a dent in my overall debt? The £225k is split between 4 creditors. I need the car for work and so does my wife. Regards

i had a similar issue with Black Horse Finance and I took a copy of my agreement to my local Office of Fair Trading who confirmed that it was a loan agreement and NOT a HP agreement which meant Black Horse could not stop me seling the vehicle and had no right to the vehicle. When I mentioned the OFT to Black Horse they suddenly agreed that it was a loan agreement and they had no right to stop me selling it. Take it to your local OFT office and ask them to advise you on it. As I understand it, if it is a loan agreement they have no rights over the vehicle at all (even if the vehicle is mentioned on the actual agreement). If yu do not have a copy of the loan agreementask them to send you a copy. Good luck

Was it an Hire Purchase agreement or a loan agreement?

Hi Can anyone confirm which 2 years the benefits office use to decide whether anyone qualifies for contribution based JSA? If anyone was putting in a new claim today and their employer has definately posted NI contribution details with Newcastle for 08/09 AND 07/08 (THE LAST 2 TAX YEARS) are these the 2 years they will use? 06/07 SHOULD NOT come into the equation should it? Regards

Thank you for your kind words and advice Setoria. It is always helpful to hear from someone who has been there and come through it. Thank you and good luck

We have agreed reduced payments with our mortgage lender for the past 6 months as we just cannot afford our full payment. We have kep tothe agreement thus far. The payment is due on the last day of each month. We have just been offered a council house and have accepted it, however it needs some work doing on the interior before we can move in. This could be 4-6 weeks. We could really do with not paying our mortgage this time and keeping the money for the rent. If we do not pay this month can the mortgage company get us out within the next 6 weeks as we will then be in arrears? Any advice here would be appreciated Regards