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Feedback appreciated - OH's I&E for SOA
Would some of you experienced peeps mind casting an eye over this and giving us some feedback? This is for a family of 5: Income OH's Salary: £1023 Working Tax Credit: £114 Housing Benefit: £86 Purple_piglet's contribution to household exp's: £400 (this is from my Child Tax Credit, I also have CHB in my name but that pays…
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Legal Contracts
Hi Does anyone know where i can get a copy of a loan agreement? Sure there is a site that lets you download contract templets free.
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Complicated car question?
Firstly, sorry for jumping straight in with a question! OH has an appointment on Monday at the court to declare himself bankrupt, we've had advice from the CCCS but unlike most of you here it seems that we've maybe been unlucky with the advisors we've spoken to because they don't seem to properly know their stuff as far as…
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When are accounts frozen?
Thanks for all your rpelies yesterday, I do however have a decision to mkae regarding when we should be filing for bankruptcy. I am a bit worried as we dont want our accounts frozen so we can not pay our bills, but we cant afford to wait till next month to make sure that is all clear before we declare BR. So, when are your…
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The missing pages are back!
Morning everyone, The missing pages seem to be back now. :j I suggest you copy any posts/threads you want to keep into a Word or as an HTML document, in case they disappear again. :)
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An Update
Hello strangers, I have been reading posts but not posting lately, but thought I would share my good news with you all. Today I received a letter from the ORs office, I have been given early discharge, the letter was dated 5th November and apparently I was discharged 7th November. I have an IPA so I will be paying some…
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what is the bankruptcy procedure? please any help?
hi, we are new to all this. and after reading some of the threads on here, i think br might be our only option. we are 50k in debt. we have only a small equity of around 20k on our house, but after penalty fees and sale fees, we would be lucky to see anything over 8-10k.the mortgage is 189k, and the house would be sold at…
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Where next? Bankruptcy?
Hi All, I'm not really sure where to start as our story goes back a year or so but here goes..... My husband and I realised things were out of control in terms of our debt last October when I had to get cash from bank machine on credit card to pay childcare bill! Anyway we contacted National Debtline, were referred to CCCS…
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Can U Help
Before I start asking serious questions can a person working with a very low income become bankrupt because of the extent of there debts. Mainly HP Credit cards and Loans?? Any input gratefully received
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Some help needed from you fab lot please.
http://forums.moneysavingexpert.com/showthread.html?t=601224 A sad and desperate situation, can any of you help please.
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i can't find the bsc site
dunno if i have missed something but tried to get to the site the other day and couldn't. is this supposed to be happening? i miss you all.... just started work today... loads of things going on. would love to catch up and see how you lot are doing..
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A couple of questions , help please
I am 4 weeks away from giving birth and my H and I are days away from filing for BR. I feel sick with worry and although there is nothing that can be done to stop the process ( we need to do it asap) I am wondering how I am going to be affected in terms of needing to go to court and doing or interviews just before I give…
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Bankruptcy help!
hi, i just been made bankrupt by my creditor and i have a 120 quid in my current account. im afraid that the bankrupty order will freeze my money and account. i definately need that money for the christmas presents for the kids. i like to avoid my bank account being frozen. please advise.
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The Trustee Wants The Money Back?
WHY DID I GET INVOLVED! All advice welcome please!! I lent my brother £10,000 over a period of 3yrs he was going through a messy divorce ~went to court 3 times~however after the settlement he was to pay me back which he did.You guessed it !! The divorce played its part in subsequent bankruptcy.He payed me back in May 2006…
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Question about car and insurance payment
Had an accident in October and my car was written off.Have been sent a cheque for the value of the car.I was planning to buy a cheaper car and use the rest to buy a new cooker.Is that allowed?Should I contact the OR to let him know? edited for spelling
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Ipa/ipo
Hiya, Could someone please tell me if in BR there is surplus monies over from I/E and an ipa sort by the OR, would the IPA incorprate BOTH the NT tax code AND the surplus , or would it be 2 seperate IPA/IPO's? :confused: Ta very muchly :D
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Credit Report showing money owed after BR and discharge
Hi, I went bankrupt last year 3rd November 2006 as I was unemployed and was discharged in June 2007. I opened a basic acount with Abbey to pay in my JSA and was told that if it had £500 going in each month I would be able to apply for a debit card after 6 months if the acount was run sufficiently. I have been on a low…
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Water Company question
I have received a letter from my local water company. The water bill is in joint names and because of this they are saying all the £350 debt is still owed. I went B/R in July so I naturally assumed that half the debt should be written off. If this is so does that apply to council tax arrears as well? Thank you
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Anyone else had Co-Op Visa Electron card issues in the last couple of days?
I was just wondering if anyone else had had problems with thier co-op visa electron? I was mortified when I went to pay for petrol the other day and it kept declining it (ended up having to phone my mum at 7am and get her to pay over the phone! She was very pleased!) even though there is money in the account. I phoned…
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Charges from Basic Bank Account - Please HELP
Hi everyone, I know this may not be the best place to post this but I did read on here some time ago that banks cannot by law take charges out of basic bank accounts that are not supposed to offer credit if the only money going into them is all benefits. Our money is all benefit now and yesterday because we made a mistake…
