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Nil tax code AND now an IPA is being slapped on? HELP!
After having a smooth few post-BR months, we're starting to hit bumpy grounds. OH was given a nil tax code and is waiting for that to kick in and will then send the tax to the OR once he starts getting it. Fine. Then today he gets a letter saying they want him to pay £75 per month, of his disposable income, for 36 months?…
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Question r.e council tax bill after B.R
Hi all, I went B.r last month and it all went very straightforward:D , I've not been working since september due to health problems and was having my council tax and rent paid from income support. However the council are saying that Me and my partner owed a months council tax previous to the council tax benefit starting…
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A worry that's just occured to me :(
We're hoping to move into a rented house in January, do a voluntary repossession of our house and go BR in February. With our less than squeaky clean credit history we will need to pay 6 months rent in advance. Now, we can't save that much in a couple of month, not with needed additional funds for the BR, deposit and bond…
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SOA Questions
Well we have nearly finished filling in our SOA. But I have a question about the banks and credit cards part... The question asks us to list all accounts we have held in the past two years including dormant ones. Now we have our details for our main run accounts but over the past two years have had a few other accounts…
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inheritence
I went bankrupt in febuary 2006 and my mother passed away in march 2006. now my mothers house has been sold and the lawyer is arranging for the debts to be paid of the estate (which seems to be taking forever)and the remainder is getting split between myself (which i know is going to the aib) and my sister. what i was just…
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How does this Charging Order Work?
I have been issued a letter from the court saying our biggest creditor has a hearing for Charing Order on our property. My Qs are: 1. How do the courts know what your property is worth?, do they ask us? will they do a drive by? etc etc. 2. if the creditors get awareded this charge, is it only realised when the house is…
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OR Interview over
OH had his OR telephone interview this morning. We were both very apprehensive beforehand and were bickering at each other but they rang bang on time. She said she was trying to build up a picture so asked about how long we had lived here, when we got married, what had led to going bankrupt, when did the credit card last…
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Do my landlords get told?
Hello world :D Do i have to tell my landlords that i rent my house from or do they get told by the court? One more question, I live with 2 other people one dose not want anyone to know she is living there (except landlords) do i have to tell the court about them? Thank you so much x
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Please keep an eye on your benefit accounts
By now, we've probably all heard of the disgraceful loss by TNT of the two cds containing Child Benefit information on 7.5m families. Please monitor your accounts closely. I suugest the following:* If the benefit is the only money paid into the account, withdraw any credit balance, so that there's nothing for a crook to…
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Charging Order on property
Hi, Can someone please help I am feeling very despondant again! I am in the middle of writing to our creditors offering full and final settlements though I doubt if it will be accepted as the amount I will have to offer is probably about 25%. Bearing in mind that if this fails our only alternative is BR. We are in negative…
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HMRC - Words Fail Me ......
..... but I will have a go ;) What an absolute farce / joke / scandal / c#ck-up you name it :mad: This is the same HMRC that petitioned for my BR , sending me RECORDED DELIVERY letters many times :rolleyes: The BR was based on my lack of completing Self Assessment forms , now I am wondering why I even bothered filling them…
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BR, house move and utilities?
Purely a hypothetical question , at the moment!! I know about all the hassle of renting and BR, but what happens if you move and have to change electricity/gas providers? If i moved to a property with a different supplier, would they want money up front? If i changed supplier it would take about 6 weeks to do. My worry is…
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Bankrupt a few years ago now
Hi all i'm new to these boards, so bear with me.:D Back in 2002 my partner and I went bankrupt, just with spiralling debts, we had no assets or business just debts from credit cards, loans. We all know how it goes. Anyway, now my partner has been offered an opportunity to start up his own business next year and wonder…
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Slightly off BR - but hoping for some help?
Went BR in Sept and all has gone OK really, except Ll***sTSB and their £25,000 Security on our house for our ex-ltd company's Overdraft. Our ltd company went BR in Aug and a few debts became personally liable by me & DH - hence the personal BR's. All have been resolved with the exception of the above mentioned - and they…
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A Question about Inland Revenue
Hi all, A quick question for you - I am currently paying back some overpayments of tax credits from 4 years ago. I pay it back at a rate of £10.00 per month. There's approx. £1400 still outstanding. Now, my question is this - can this debt form part of our BR or is debt to the Inland Revenue seperate? I guess I'm worried…
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House to be repo'ed and council tax
Hi, Our house is going to get repossed, we have not paid the mortgage or secured loan since April 07 and moved out in July 07 as we wanted to get settled. The council tax was transferred to the new address and we was told we had 6 months to sell the house or we would have to begin to pay the council tax again. The 6 months…
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OR info
Hi all, Had a call from my OR this avo after going BR last friday.... Apparently he is sending me a letter for me to get some stuff together to send back to him by the beginning of next week and then we have our phone interview a week on thursday. Now, i was on a debt management plan with a company called Harrington…
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More BR Advice.....
Started new thread as my last one got hyjacked by spam message and replies! We attended court hearing today where interim charging order was due to be made final but judge choose to adj until January when a 2nd redetermination hearing was already set. We not sure what to do from here, we are doubtful that Picture Finance…
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Help
Hello all, a few questions if you dont mind... 1 would anyone know if my alcohol licence will be affected with br? 2 do the OR check all recipts and bills, or is it your word? 3 an iva will cost me about the same as br each month but 3 yr for br and 5yr for iva. What should i do? 4 can someone send me the % that you pay…
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Bankruptcy and running a small business
Background: In July 1989, my then wife and i took out a secured loan for £19,000. Unfortunately we split and divorced in 1990. The split was very amicable, i handed over my part in the house to her for a small sum. I wrongly assumed this would also end of my liability for the debt. I then backpacked around Europe for 9…
