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are the agencies (HMRC+OR) interlinked?
I know a guy who went BR in august, at the time he was unemployed, soon after he got a cash in hand job earning £600+ a week, after 3 months he went on the books/paye on £650 a week gross he hasnt told the OR, and they havent gone after him id have thought all these computers and databases would have rung alarm bells he…
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Do I have to pay pre Bankruptcy loan back???
I borrowed money before my bankruptcy from my friend. The amount was £1000 and it was around one year before I went bankrupt. There is no written evidence or agreement made about, we just agreed that I will pay when I will get some money. The purpose of the "loan" was to pay my deposit for my rented home. She moved the…
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nearly there
hi everyone, thanks for the replies to my last queries and hope you can help with a couple more. i understand that all courts differ in terms of "doing it" but does anyone have experience of uxbridge cc, do i need an appointment? is the £99 surplus a weekly or monthly amount? thanks again.
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Overdue payments as Self employed.
Hi, I'm currently self employed and i am due to declare myself bankrupt next week. I'm confused about what happens to overdue payments that are due to me from clients. I have over 1000 pounds that will take upto to 30days to be paid from the clients, do i need to declare this as an asset or do i just accept the payments…
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Please Help
Looking through my BK form ready for my OR telephone interview tomorrow and noticed i missed out one of my ceditors, I have a Halifax load, Overdraft and Halifax One card and missed out the Halifax One card:eek: , Will i be able to add it tomorrow at my interview? very worried, so stressed
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Bank Account closed before BR !!!
Hi all - thanks for all the advice from my previous thread- I am going to the court to declare BR within the next 3 weeks am currently filling in the forms - (my court is great I just turn up any day before 10am and will get seen!) Anyway I was on the phone to my bank (HSBC) yesterday and they have basically closed all my…
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Bankruptcy Credit Reference File Clean Up - Discussion
If you wish to discuss the "Clean up" of your Credit Reference Files and don't wish to start your own thread, then please use this thread. Thanks. :)
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Is an IPA/IPO backdated to time of BR?
Hi to all the good people on this board,your help has been awesome,i thank you all:T My question is this,is an IPO/IPA backdated? For example if date of BR was 01/03/08,but the IPO/IPA agreement was signed on say 01/07/08,can the OR claim any income between these two dates? Or is it purely based on income from the date of…
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worried newbie - please be gentle
If you need a wee or your favourite telly's on then you may wanna skip this one as it goes on a bit. Ive been reading the threads on this site for the last few weeks (usually at night when I am stressing most) and have found them really encouraging, especially the fact that all most have been in the same boat though for…
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morgage payment
hello all ,i havent posted for a while ive been sorting things out "for a change"! we have sold the house for 97000 and we can stay here private landlord just looking for investment says we can stay as long as we want. we need to pay the next morgage payment on the 23rd this includes the arrears payment set by the court--…
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Thought it was all over......!!
Hi I declared myself bankrupt in 2001 and was discharged in 2004. My wife bought my beneficial interest in our home so we able to keep it. We had an endowment mortgage with HSBC and when the magic 7 years had passed we remortgaged with RBS taking out a repayment mortgage. We have just tried to cash in the endowment and…
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Pension- is it allowed?
Hello again Just a quick question about a works pension. I resigned from my old job about 3 years ago now- I had a works pension- I think its got about £10k in it- it was just a normal deducted at source pension. Will the OR take it?? I never made huge payments into it- just the normal, and my then employer contributed the…
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Tiny equity in house,will the OR take it?
Hi,my house is worth about 115,000,the mortgage is 106,500.My solicitor said that sales fees etc would be about £5,500.So theres probably about £3,000 equity in it.Will the OR still want the property for such a small amount of money?
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Lloyds Tsb ignoring that we are bankrupt!
Hi all, Quick question for you, can anyone quote me the law on pursuing a Bankrupt for payment, writing letters to creditors ourselves now as our OR is never there when we ring and so far has done exactly nothing.
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Discharged Bankrupts and ISA's
I was discharged from BR in Mar 2006. Can I open an ISA?
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equita bailiffs threatening prison!
Firstly, I was made bankrupt on 18th December, 2007. I sorted all the paper work out, and spoke to the OR. One company, equita bailiffs have been hassling me constantly. They have said they will enter my home without my consent, the phone calls are awful. My OR has faxed the bankruptcy order thru 15 times, and they will…
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Debt sold to 1st credit finance- how to deal with this?
Hi all- Me again! Posted this yesterday on DFW board and was adviced to post here:) I went bankrupt on 10th Dec 2007. I had two joint accounts with Hubby which were overdrawn. My husband has tried to speak with both barclays and abbey to sort this out BUT Barclays closed the account and have passed the debt to 1st credit…
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Bk Form Question 3.5
Hi there all I am new to this site and hope someone can answer a question for me. Think i may have made a error on the BK form:rolleyes: looking over the form today, oh by the way went BK yesterday. Question 3.5 Have you in the last 5 years given away, tranfered or sold for less than its true value any property or…
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A quick (but maybe useful) BR to discharge blog.
I could probably turn our BR story into a modern day War and Peace however I will try to keep it concise and stick to useful facts which may help someone. My self and my wife accumulated debts in excess of £100,000. The main cause of debt being a failed business venture. There were holidays and a car however nothing…
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How Much Needed To End Iva Early???
Hi I'm 2½ years into an IVA and am hoping to be able to make an offer to end it early in about 1 years time, by way of equity release, but I have no idea what might be considered an acceptable offer by the creditors. Basically the total creditor claims in the IVA were £150,000 (still amazes me now!!) and the agreed…
