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if the OR isnt happy..
what can he actually do if he isnt happy with your explanations of stuff at the interview ?
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paid in cheques.
i work in I..T for a large company, last year i did some jobs for people and was paid by cheq to my current account. 4 in total, the biggest being £125 when the OR gets my statments he will see these, should i be worried ?
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Trouble with HMRC due to IVA
Hi, I would appreciate it if anyone could shed any light on this issue? The Facts 1. My wife and I both took out IVAs in Oct 07 to deal with our debt problems. 2. We were both self employed until March 07 3. I filed my tax return for April 06/April 07 in September, by post, as usual and was notified that I had a repayment…
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OR Interview Monday AM.
Well. Its my turn!!! Tomorrow at 10am its my go. And I am "bricking" it (ever so politely!) I am worried to death mainly about some compensation that was awarded to my Step Daughter in 2006 - £20k worth. Its currently in mine and my ex's names as trustees for her (she does not know how much she got!) I am really worried…
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Bankrupt but reclaiming charges - not part of orignal debt
I was made bankrupt in august (discharge due in aug)and at the moment am unemployed so am not paying back anything to the OR, I am wondering if I can reclaim bank charges from a bank which was not part of the original debt and was closed before I went bankrupt? If I won back the fees (about £500) would I have to give it to…
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My bankruptcy
Hello, I hope no one minds me posting this, its probably going to be long and rambling- but I have really been helped/comforted by reading other posters stories/experiences of bankruptcy- and Id like to return the favour, if my ramblings aren't too boring. I alway had credit, not massive amounts- and I could always pay it…
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Query re: partners
Sorry, asking loads of questions today. It looks like my I&E is about to be reviewed (auto discharge in July this year), so I'm going through things now to save time later. I rent in a tiny one bed flat in London (I'm disabled, so have to be near my city job and house sharing is impossible) which is extremely expensive,…
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Amounts allowed on I&E
Someone posted a link which showed the amounts that OR's would accept on your I&E, but I can't find it now - does anyone have it to hand?
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Cheque cashing places - advice please
Hi all I have several cheques totalling several hundred pounds, paid to me over the last couple of months for freelance work I've done. Can't cash them in as really struggling to open a bank account. Could I take them to a cheque cashing place? They're made out to me, from the company I worked for. I'm not sure whether you…
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B.R fees
can anyone tell me the update total cost of fees pleese ?
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Sorry- another question
Im filling in the SOA forms- I&E. I share the bills/mort with my sister- Ive put in what I pay- it dosnt ask about any contribution from anyone else. Reading some posts on here I was under the impression that you list everything and then it asks about any contributions- but the online SOA dosnt-( maybe Im confusing it with…
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Coop bank account
just another quick question- I openned a Coop basic bank acc a while back- its currently empty as I intended to use it after I go BR- my salary will be paid into this account as of March's payday- end of month. I told Coop I was going bankrupt and they were ok with it. Im a bit worried now as filling in the SOA form its…
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can someone check my expences please ?
these catagories are off the SOA form. net income £1472 board inc all bills £ 80 pm paid DD to mother ( yes i know its low but mother dakes into account i have the car aand take her about etc ) housekeeping/ food etc £200 pm this is lunch at work + evening ( still thik this could be on the low side ) mobile phone /…
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how to get early discharge ?
i have noticed quite a few on here manage to get discharged early.. what enables this to happen ?
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More SOA questions
Hi, Am filling in SOA form for tomorrow- think just going to do it by hand rather than online. Just got a couple of questions. 1. I owe my sister about £1k- should I put her in as a "creditor" 2. I have an old style student loan- it is deferred at the moment- I know BR will not wipe it out but should I still declare it? 3.…
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will i defo get basic account ?
when i go BR, will i defo get a basic bank account ? one of the banks i owe dosh to is halifax so no go there. nearest co-op is nearly 20 miles away . i just have this horrible thought of not being able to get one and not being able to get my wages ...
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CAB Are angels
Well after losing our house(reprocessed) we finally got round to getting the br forms filled in :beer: Our local cab made me a oppointment and the lovely lady filled the forms in for me :D So April 4th the deed will go ahead :o Still feel like im gonna have kittens though :eek:
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Official reciever's office is miles away.
I went BR on 11th March, at Swindon County Court and have my telephone interview on Thursday. The two people I met who went BR at the same time as me have ORs in Gloucester but mine is based in Swansea. Is this just because Swindon split cases between the two offices or would it have something to do with the complexity of…
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How long does the OR have dibs on your income?
Hi Guys, I'm sure I was told this in my interview but I really can't remember :confused: I went BR in February and I know you have to inform the OR if your income changes or you inherit or win the lottery etc etc but how long do they have this claim over you? Is it just until you are discharged or is it like, indefinite?…
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Compensation
hi all,been lurking,a while,but its time to ask a question to you nice people,went bankrupt and just my luck 2 days before it happened i recieved a compensation offer for criminal injuries ,any how i accepted the offer and sent off the letter the same day ,it gave me the option if i did not have a bank account the money…
