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Just a quickie!
On the SOA for the actual big day...do I put the expenses I actually have at that point in time, eg car and associated running costs, or do I put the travelling expenses I will incur once without said car? I think the former?
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mcdebt
please help iam not sure how this forum works???
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Iva Or Bankruped
need some advice may sound thick but what does IVA mean,ive read loads but getting confused by it all. how will it affect my husband being selfemployed will her lose his cis card etc. we owe loads to the tax man, and this honest is any of are fault to long to explain but dont no what to do we are paying a small amount to…
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stupid question
just wondering what you ladies wore when you went to court? hubbie is going to be in suit as hes in work afterwords but i dont know weather to go smart ie black pants and blouse or just wear casual jeans and top sorry for such a stupid question but i dont want to turn up and look totally out of place
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Bankcruptcy and child benefit
hiya all i,ve read a few times about child benefit not being counted as part of your earnings :confused: does anyone know if this is true? i,ve added it along with tax credits to my SOA and after working my expeniture etc out inc child benefit we are left before paying any debts with £42 a month but obviously if they dont…
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Terrible Situation
this is tricky,so bare with me.im currently going through an iva,i borrowed £44k unsecured for my brothers business which he went bust,leaving me with the debt.we also bought a house to sell which he lived in,my IP said sell the house and make a one off payment of £22k,no problem as my brother had relinquished any equity…
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And Again
On the form it asks: Cash in bank, building society or similar account I have £4.01 in Nat West First Reserve and my daughter has £66 in her save to spend which is in my name, do I list these here? Thanks
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Outgoings...Is this ok??
Hello again everyone, Im trying to sort out my outgoings for for BR form. Just need some advice please!!: My Earnings are £1573 per month. Rent £400.00 Council Tax £70.00 Gas/Electric £70.00 BT £25.00 Loan £210.00 Credit Cards £200.00 Shopping £380.00 School Dinners £60.00 Football taining £20.00 (11 yr son plays for…
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Another Silly Question
Sorry to take up your time but here goes, Trying to fit SOA in Other essential payments (e.g. life/household insurance, car tax & repairs) and i only allows 200 charachters, I am trying to include all the items the CCCS listed, hairdressing, clothing, pets and so on and I dont think I will recognise anything if I shorten…
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Really Silly Question
This is a really silly question so please dont laugh, on the BR form it asks: Do you have the use of a motor vehicle that you do not own? Do they mean do I drive a vehicle I do not own, or do they mean that I have access to a car for lifts etc., I don't drive, but OH does and collects me and takes me places, I contribute…
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Oh look...another BR question, he he!
For example on my SOA, my mobile is down as £30/month...if the OR didn't agree with this amount, would they a) just remove it entirely from expenditure and say you have to pay for it entirely out of your disposable income or b) would they give you a lower allowance and say the difference has to be paid from your disposable…
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Do I Include
Just had a thought, my daughter has a savings account with Nationwide but because she was under 7 when we opened the account it had to go under my name, do I include this on my BR form?
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IPA/IPO - can it be temporarily?
My husband and I both had our OR interview yesterday and it went fine. As I am working and my husband is currently unemployed (and we can bareley live with my salary) the OR said we don't have to pay an IPA. As it happens my husband suddenly found a temporary job, starting next week for about 2 months and he will earn…
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Martin's new design for the site
Martin Lewis is posting on some forums details of a re-design of this site. The details are here: http://forums.moneysavingexpert.com/showthread.html?t=459761 Take a look.
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Debt Collection
My DD's ex boyfriend became bankrupt last year ( discharged after 9 months ), he has just given me a letter from buchananclark + wells chasing an old debt on behalf of EDF energy , he has assured me this debt was included in the bankruptcy. He spoke to them about 2 weeks ago and sent off the bankruptcy details , they have…
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Cant Remember All My Debts!!
I am filing for bankruptcy next week! Horay! One problem is that i cant remember all of my debts. I have kinda of ignored all my creditors for the last year and have moved etc. I have just buried my head in the sand really. Now i have finally decided that enough is enough and i need to declare myself bankrupt as i am…
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THANKS and posting
This is not particularly related to Bankruptcy, so I apologise, but twice recently I have been about to click someone's 'Thanks' button, and then noticed a little note to the left, one said 'hit the Thanks' and the other indicated people couldn't be bothered and essentially 'Thanks but no thanks'. Both of these notes…
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Helpp!
Hi I live in Spain but have serious debts in the Uk have managed to avoid them for a couple of years but feel bankruptcy is the way to go I seem to be getting conflicting advice myesta tell me I have go bankrupt in spain but earlier in the year I was told by them that I could do it in Uk as long as it was within 3years of…
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Car Question (another one!)
Forgive me, I'm just home from a night shift, I've had only 4 hours sleep since 7am Sunday morning, and my brain isn't working right. So if the question is in anyway stupid, feel free to tell me! Right. I have in my name a car on HP which is about 2/3rds of the way through it's term. 'Tis one of those deals involving a…
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Just noticed this on my IPA form
Until this morning, I thought that you had to inform the OR of any change of circumstances within 21 days if you've been given an IPA. However, it appears that increases in income may not be included in that. I've just re-read the bottom of my IPA agreement (I signed it in a medication haze), which says: "Until I am…
