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About walter147

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  1. Hi Everyone I joined bannatynes fitness on Monday (2nd August 2010) signing up for a 12 month deal paid by D/D. I paid a joining fee and the 1st months membership fee there and then. On Tuesday (the day after) I tried to cancel it as I'd changed my mind deciding it was too far to travel and I would just stick with my local gym. I was told I could not cancel it, even though I had not even used the gym. I thought, as a consumer I would have had a 7 day cooling off period. Is this true or can they do this?
  2. Hi everyone Has anyone managed to secure a mortgage after being discharged from bankruptcy...and if so was it extremely difficult? I'd be very interested to hear of anyones experience as I would like to get back on the property ladder at some point Thanks
  3. Debt info - My apologies, yes, it would appear you are correct. I was under the impression that it was everyones right to declare bankruptcy, however after reading your link it would appear that if you are technically solvent that right is not there. Limbo Land - it would appear as you stand at the moment, because you can cover your repayments you cannot declare bankruptcy. Another lesson to be learnt - never take my advice!! I hope you get things sorted
  4. Hi Limbo Land Don't forget - everyone has a right to declare themselves bankrupt. It's not illegal, irrespective of your financial circumstances and in alot of cases it is the best option. Everyone who declares themselves bankrupt has a choice to make the right moral decision and struggle on regardless, thus existing as opposed to living. They also have the choice to draw a line under the situation, declare bankruptcy and move on with their lives. Morally, our MP's were wrong to fleece the taxpayer for millions, but as MP's it was their right, under the existing rules to claim f
  5. Thanks for that. Can I apply even if I do not pay myself anything at the moment - i.e working but working for free. Will this affect my application?
  6. Hi First time on here so here goes... I have recently started a new small business for the first time after getting out of the rat race. As the business is new I am struggling to pay myself anything at the moment. Can I claim housing benefit without claiming job seekers allowance? This would help tremendously whilst I work at building the business up. I would assume this would mean not paying myself anything if I could actually claim. Any help or advice would be very welcome.
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