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Got my IPOQ this morning, a few questions!
Hi guys, Well looks like it might be early discharge for me! Got my IPOQ this morning, but need a bit of clarification with the contribution element. As you know my little lad and I are still living with my mum - although looking for rented accomodation at moment. Nothing has changed re circumstances etc and contributions…
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Still not started BR yet
Hi all, We still have to sort out some things before we go BR, one of them being where to live. My d/h originally wanted us to go down south and live with his brother who lives in a 2 bed apartment. I'll try to keep this short, my bro' in law really irritates me, I can manage a few days but no more! A couple of years ago…
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Lump sum IVA
I called payplan yesterday as to aviod bancruptcy on my part for debts of £6K my parents have offered me an amount of money and i thought a lump sum IVA may be the way to go but they only do this with debts of over £15K , do you think i could write to creditors myself offering an amount (my parents can't cover the full…
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big step to BR ...help on SOA please
can anyone advise me on a couple of questions on the forms. I am the one going BR. All i pay for is the grocery and the child care fees which are alot higher than some may think. Hubby pays for all utility bills. It is HIS house. So on question 6.7 do i put down that husband pays for gas electric etc etc and the amount.…
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I & E question
Hi Well the court date is set for Tuesday and i'm ploughing my way through the forms:eek: , i have a couple of questions re the I & E. 1.OH will obviously put down his earnings as its his form i'm completing, do i put down my contribution down in parts 6.6 and 6.7 as being CTC, WFTC (although its based on OH earnings its…
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IPA's - dumb question?
Having read various threads here, I have a question..... Am I correct in my understanding that if you are not given an IPA at the start of your BR, you won't get one?
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Had our Interview - what happens next?
Hi Everyone Well we've done the court and now both had our interview with the OR.... What happens next? He mentioned the expenditure and said it exceeded our income - do you think we will get an IPA? He also said there is a slim possibility of a house visit? I'm scared we may get a BRO/BRU will they write or would he of…
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Rebuilding credit rating
hello there, I was discharged from bankruptcy last year and I'm taking steps to improve my credit rating, I've started to 'clean up' my credit file and I'm now looking for tips on how else to improve my credit file. I've read the article on this site about improving your credit rating, but i found it did not answer all my…
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Data Controller contact details for Barclaycard
Hello, I am trying to repair my credit record, and I need to write to the Data Controller for Barclaycard. I looked on the Information Commissioner's website and found these two addresses: BARCLAYCARD XANSA PARTNERSHIP LTD 420 THAMES VALLEY PARK DRIVE THAMES VALLEY PARK READING RG6 1PU BARCLAYS BANK PLC ONE CHURCHILL PLACE…
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A Big Thanks to everyone
I came across this site back in January 2007 considering bankrputcy after being finished from work due to Ill health, I felt depressed confused & alone...I took the plunge & posted my first question. I received some of the BEST support and advice not just going through the paperwork & deciding to do the deed but also while…
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On the road from Banruptcy to Freedom Mr-tonyc
Update !! My daughters boyfriend has had his OR telephone interview today who was most helpful.He has been told that he will receive a NT tax code which is Nil Rate and the money he would have paid in tax will be paid to the court until discharge.The only asset he has is a £1 premium bond from childhood which he has been…
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Newbie considering Bankruptcy & Iva or both! Help needed!
Hi,After lurking for a few weeks and reading how helpful everyone is, I've decided to post.The situation basically my partner and I are in is that he has roughly £65,000 and I have £30,000 worth of unsecured debt..(we will both be sitting down over weekend to do our I&E and then going to give CCCS a call). Up until the…
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Statistics Release: Insolvencies In The Third Quarter 2007
For those who are interested. From: http://www.insolvency.gov.uk/otherinformation/statistics/200711/index.htm Statistics showing insolvencies in the third quarter 2007 are published today (2 November) by the Insolvency Service. INDIVIDUAL INSOLVENCIES There were 26,072 individual insolvencies in England and Wales in the…
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Trust Deed or Sequestration
Hi all Please can i ask for some pointers for some friends who have got themselves in a pickle. Current situation is: Couple in their 40's with 2 primary school age children. Unsecured debt of approx. £100,000. It looks like it will take about 12/13 years to pay this back via a DMP assuming everyone freezes interest/no…
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BR in The Royal Courts of Justice - What's it like?
Hello, Since I live in London, I may have to present my Bankruptcy Petition at the Royal Courts of Justice in The Strand. This sounds rather daunting, does anyone have any experience with Bankruptcy in the above courts? and how do they compare with regular County Courts? Thanks
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BR and debts
HI quick question, Went BR back in June, finally thgorugh most of it, just handed house back to mortgage company, been told in letter can keep car\etc, got a job, no IPO as yet but after leaving property to now rent nI have huge electric and gas bills- Can I put these into the bankrupcy as I am not discharged? Cheers in…
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new bank account statements needed??/
Hi, Just A Quick Question, Do I Need To Keep My New Bank Account Statements For The Or? Any Help Is Appreciated!
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Help needed with Experian credit report
Hi, Hopefully someone can help me with this query. I was discharged from bankruptcy in May 2006 and I've just got round to checking my credit report. I'm finding it hard to understand something on the report, I've tried looking on the Experian site for answers and didn't find it much help, so i thought I'd ask here. Under…
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Bank Interview tomorrow - HELP!
We are due a yearly Bank Review tomorrow by telephone, it has already been hinted they will try and get us to take a loan to clear the O/D . We have cancelled a lot of our DDs and haven't used the account for a week or so and have drawn cash out to live on until our next payments go into our new account - what do i do…
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Debts and CHB
Can i put this idea across and see what people think. OH going bankcrupt which leaves me with debts of approx £5.5k, the only income i have is CHB(child benefit) in my name which would cover the minimum payments on my debts except for a joint overdraft which i would have to come to an arrangement with them to pay it off…
