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been bankrupt since nov 2007 got some problems
hello everybody, am new to this so bear with me. I made the decision to go br when iva got narsty, ie they wanted more dosh which i didnt have! anyway did the nervious bit getting paperwork together and booking court, got that sorted and went to OR, followed their instructions to the letter:j ......NOW :mad: 4mths down the…
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HMRC "collecter" (baillif?)
can a HMRC appointed official just turn up on your door step and distrain goods? ive had no court date/warning/letter/date, just demands for £9000 theyve been twice and drawn a blank (like id have £9000 in the house) (i was out today, first time they blagged thier way in - told wife i was expecting them) im 6 feet…
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ok here goes, ebay paypal question
hi there everyone, i have just found this forum today and would really like some advice before i start with my query/worry , please dont shoot me down in flames or severly criticise me , you simply would not believe the level of debt that i am in. basically i am having to declare myself bankrupt (with the advise of cab and…
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Gone And Got The Br Date!
HI all well one hurdle has passed , hubby has got br date for court, so thats one thing out of the way i suppose, a few things are really worrying me 1) what is a bro/bru and who gets one and why???? 2) what are the chances of keeping the house , dont think a lot of equity in it judging by same houses in the street going…
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Or advice please!
Hello, After going to court on 29/02 to file for br, I have my phone interview with the OR on thursday and am getting more and more worried and would be grateful for some advice on the following - sorry if they seem like silly questions! 1. When they asked me at the court how I paid for br I said I borrowed it from a…
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error
error sorry
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going bankrupt, next step
hi everyone after being advised to go br what is the next step , do you have to call the local county court for an appointment?? i know this sounds silly but what exactly should i say without making a fool of myself, cheers
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Gambit, BR and an apology
Hi, and sorry for not getting back sooner but I think I fell out of my tree. Nothing to do with the BR. I went to court on Thursday and it was all straight forward, no surprises due to the excellent advice and support I have received here. I'd like to say more but to me it was just a formality as I knew what to expect. My…
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Can I keep my cash account?
Hi all. I would like to know if I will be able to keep my cash account that I have with Lloyds once I go BR, If not, am I able to set up the CO-OP account before I go BR to have benefits paid into? or will I have to wait, also do I have to tell the council or tax credits that Im going BR? Thanks Alot C x
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tax year ending quickly.
Hi All I am self employed and filling in all the BR forms as we speak.Am I right in thinking that I will have a nil tax code imposed? My question is as the tax year ends on the 31st March if I go BR before then will I only have to pay my nil tax to the OR until then or will it carry on into the following tax year. Many…
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bro
hi soz to be so thick but just reading through some threads whats a bro please
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early pay off of IVA
Hi There, This is my first post on here as i really need some advice. Me and my wife did a joint IVA last year, however we have recently split up so we are selling the house. We are using this to pay off the IVA. House should be sold around middle of April. I need a loan as i owe some friends more money and i need a new…
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help with IVA or Bankruptcy please
Hi guys, 1st time poster here so hope some one can help or offer advice. i have posted same thread on the DFW link and have been advised to come t here for some more advice. i will give some life history as to why im in the mess i am now. Approximately 1 year ago i split with my longterm GF, together 8 1/2 years, We split…
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BR and Ebay
Sorry if this seems like another silly question, just wanna do everything right really. If I sell some stuff on ebay, I'm not talking big bucks here, more like about 20 quid, do I have to declare this to the OR?
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Need to get this off my chest - Sorry!
Hi As part of facing up to this big mess I am in I just need to get things off my chest and get a bit of advice before I phone one of the debt lines. Here goes! OH and I have always worked full-time and been reasonably well paid but neither of us have had much respect for money and blew most of our salary every month. Then…
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Is freedom really out there?
Hi, new to this but been reading over last week or so & feel inspired (esp thanks to Scarlett1974 for BR diary) to make this entry. For ages my OH & I have worried in silence...scared that it was just us that have let everything get `out of hand`. We both have good salaries & for years have covered repayments , sometimes…
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Just Completed Online Forms
a friend is going to print them for me tomorrow, there was one box i left empty asking me a date when i got a particular credit card , i really have no idea.. it didnt have an asterisk next to it insisting it was filled in so i guess it must be ok.
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Got NT taxcode today
Got a call from personnel today to say they received a new taxcode for me, NT for this months pay packet, they said they had to call some number to confirm receipt, luckily i had let them know last week that i should be getting a different taxcode due to being on the incorrect base rate code for last 6 months so i dont…
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Online Forms
Hi Guys Just started filling in the online forms.I can now finally see light at the end of the tunnel. I know theres a long way to go but it is a small relief to actually make a start. Cheers Andy
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charge on house
hi not posted for a while, but now another big problem .i whent b/r in feb 06 got discharged sept 06, my parter ownes the house ,im not on the morgage, but a soilcitor working for the o/r is now after half the equity of the house as i have been living with him for the 12 years that he has owned it, saying that i have…
