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Tax Credits/ State Benefits and Bankruptcy
This may help... 31.7.7 Income sources which can be included in the IPA/IPO calculation Various income sources available to the bankrupt can be considered by the official receiver/trustee when making an IPA/IPO calculation, as follows : * Employment and self-employment - see paragraph 31.7.8 * State benefits - see…
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I've been, I saw, I conqoured
Hello all Well was at court this morning All went well Was disregarded for the court fees £150 The staff/Judge was realy friendly Now I just have to wait for the OR to call 1 Question - Do you normaly get a copy of the form as I just looked and I dont seem to have one!!!!! Cant remember what I put down as I hid things in…
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Income & Expenditure
Hi Planning to go BR later this yr & was wondering what to put for my I&E. Do i put down things like: xmas & b/days; entertainment; holidays; cigarettes (smoking like a chimney at the moment). If i do is their a "going rate" that the O/R allows. Also i have to live with my parents i pay room & board this covers rent &…
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Getting A New Bank Account?
Hi Everyone, Just wondered should i open a new bank account before i go bankrupt? Also do i tell the new bank im filing for bankruptcy? Any ideas on what bank to go with? Sorry so many questions!!! Thanks to all for any advice. Sweedart1
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Inland Revenue & Tax man threatning court -not BR yet
Hi We have the IR and Tax man threatning court action. We havent even filed for BR what will happen does anyone know? Thanks
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Life Without Credit
life Without Credit Everyones nightmare, A life without credit cards or loans. yes, we have all experienced this thats why we use this forum.This question is raised frequently by most people that are entering the unknown, Bankrupcty, IVA etc, So lets see the facts. With the use of credit cards A false sense of freedom and…
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rebuilding credit rating and getting normal banking services
Hi,does anyone know of a bank/building society that will offer a "normal! account. there are so many restrictions on my account at the moment I can't even get a debit card!!Also how can I start to rebuild my credit rating. I hav been discharged from bankruptcy for almost two years. I have started my own business now which…
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Keeping my car. (Almost definately)
Hi I asked for advice on this board a few weeks ago as I had a date for BR and wasnt sure what would happen about my car. May 3rd was the day and it was so easy I would say please dont worry about it. It really does seem a rubber stamp job and no-one is interested in judging (even the judge)! I saw him for about a minute.…
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motability and BR ????
I have a mobility car for my daughter who is disabled , the 3 year contract is up soon does anyone know if I can still apply for another car when BR ? I know it is financed through motability but not sure if it goes on my credit rating or not ... worried sick now ....
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OR Interview
Can anyone offer advice on when i can expect OR Interview Made Bankrupt on Friday 18th May, received call Sat morning from OR ofice checking address, DOB, bank where utility bills are paid etc but they stated was not interview. Got outgoing/income etc ready just dreading what they make of it and what they will try to get…
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Debts you forgot about when going BR?
If you don't mention certain debts on your BR forms...not intentionally but because you genuinely forgot about them...are they still included in the BR? I ask because I know there are 1 or 2 debts that I can't place, they aren't on my credit files and I have no letters or anything, but I know they exist, if they aren't…
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IPA question?
I may have got the wrong end of the stick here, but from what i've gathered from various online resources is that if an IPA isn't established before you get discharged, then you don't end up with an IPA at all, is this true? If so, does this mean you could technically get a higher paying job just after discharge without…
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Has anybody gone through the Crown Court in London
As the title asks has anybody gone through the Court in the Strand in London for their BR? Is it easy to find your way around, I am in such a mess I dont think I could handle much difficulty on the day. Hope to go this Friday, all depends on a few things, OH money getting moved from A&L to his account in time (had to have…
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So...this is me! SOA & DEBTS added!
Hi there, my name's Pete, i'm 28 and i'm in debt...not a great deal, around £18.5k, but considering I take home about £180/week and have only £100 free a month which is eaten up by my tax bill (£6.4k with 7.5% interest a year), I can't see a way out aside from BR. I've been lurking around these forums for a few months now,…
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This has left a sour taste in my mouth
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big dilemma!!
About to go bankrupt. I've had an ongoing dispute over a laptop I bought two years ago and had almost given up when they called me today to say they're willing to give me a full refund for 1300 pounds by cheque. I could really do with this money for obvious reasons. Not really sure what to do with the cheque. I know it…
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So I've got my court date.
25th June. 9.30am. OMG!
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some advice if possable really.
my situation has got gradually worse over the last year and thought about BR then changing my mind again so i have an appointment with the CAB to work out a budget and expenditure form, all of my credit cards have defualted and been passed on to collection agents my debt amounts to around twenty four thousand pounds,im…
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I have no proof of my rent
I rent a room from an old boy I got to know while I was working in a pub a few years back (yes, I know it sounds odd but its not really). I have been here 3yrs, and have never had any formal arrangement or even rent book, I just pay him £330 inc of bills each month. Is this going to be a major problem with the OR?
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About to go Bankrupt -beneficial interest question!
Yup, am aiming to go bankrupt before I start back at work (currently on maternity leave). It's (only) for about £17k but I've spoke to both the CCCS and the CAB and they both agree it's my best option; I've been on a payment plan with the CCCS for about 2 years which has screwed my credit rating anyway. I can either carry…
