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OR interview tomorrow, only one worry really.
Hi again everyone, i'm still here, been busy counting down the days to my OR interveiw, and that day is tomorrow, 4th March 2008 2pm, the last stepping stone on the road to BR.... I'm pretty cool about the interveiw, as i have have already spoke to her last week, and she sounds very nice and told me not to worry if i…
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HMRC and tax bill
Is a HMRC offical "recovery manager" empowered as a baillif? coming back on the 10th, i was out.......shame ill have to get a BR date and stall em now i think ive held off long enough
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Can you take a look at my I & E
Hi again, going BR 2nd April. Im on benefits at the moment so i understand the I & E is not going to be that important as i wont get an IPA anyway, but if you could have a look and make sure it's ok that would be great. I have a massive £50200 debt! :( Im a single parent with a 1 year old and another baby due shortly, 1…
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Help with form filling please
Hi, today i have booked my BR. I was hoping to get it done asap but their next available appointment is not til 2nd April! They must be busy Decided to fill the forms in online which seems pretty straight forward but have a few questions, i've filled them in the best i can but want to check. 3.1 - Assets Cash in bank Im…
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Thats me......all done and dusted!!
Woke up this morning before my alarm at 05:50 (I say woke, although I had hardly been asleep if I am truthful) and decided to get up and potter. I had wanted to leave at 07:30 so showered, checked all my paperwork for the millionth time, tried to eat but felt sick to my stomach so took the dog out, checked my paperwork…
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Help needed
seahorse101
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BR and car on HP
My OH is in the process of filing for his BR However he has a car on HP, which he believes is in negative equity. He needs a car for his work. If he were to sell it and use the cash to buy a cheaper one, how would this be viewed by the OR. Any advice or suggestions would be most welcome Thanks
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gone br
hello finally went br on friday had the or person ring me up to day asked if i had any assets for which i had my car worth £1120 before accident,(got a independent engineer out)now worth about £150 (car still going though insurance issue they said they will take any money i get though insurance which is fair enough but…
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need advise please
I am thinking of going bankrupt , but need some advise to ease my mind before i do 1. I have no fixed address , i am staying with friends , is this a problem. 2. I have a CCJ that I have just found out about that was served 3 years ago when i was Guarantor for my ex hubby at previous address 19K, he went bankrupt , the…
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Benefit payments
Im looking at booking my BR date asap, ringing the court this afternoon to get an appointment. I am on IS and get Child Tax Credits, and Child Benefit paid into my Lloyds TSB account, now they will close this account soon as i go BR. So what do i do with my benefit payments? Do i ring them now and get them paid by giro,…
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Thats it. HAD ENOUGH!!!!
:mad::mad::mad::mad::mad::mad::mad::mad: Flammin Slough Borough Council - have no idea. NONE. And I am cross. Explain: Early 2006 I had a small amount of housing benefit - £68.46 to be precise. I handed in all my documents, and handed them in again when they asked for them (which seems to be standard practise with these…
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What to do with gas, elec & water
I currently owe a fair bit to my current suppliers for gas, electricity and water charges. Stupidly i didnt set up direct debits and now have big bills that i keep getting letters about. Edf Gas £190 (dated Dec 07) Edf Elec £350 (dated Dec 07 Northumbrian Water £240 (dated Oct 07) Ideally i want to include them in my BR…
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Link Financial Problems
:mad: Hi everyone, Hope you can help, I am so mad. I went Bankrupt in 2006, as normal listed all creditors etc. Discharged in 2007, sent off for Credit files, no settlements on files, so I wrote to each creditor with the Template from Sticky. Most have replied informimg me that they will add 'settled' to my file. So far so…
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Court tomorrow....Where were we? cazjenki Thread part two
All the best for tomorow cazjenki :D
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Hi, up to 97% of forms done.Quick form question HB CTB? HELP
Hi, getting there now. Thanks to you all for your support Done my I&E was hoping someone could check it over for me Incoming : Wages £386.86, dont pay any tax or NI Tax Credits and Child Benefits (this is WFTC and CTC) £478.43 I get HB and Council Tax Benefit should i include these in this section only there wasnt enough…
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cima accounts
hiya i am considering going bk, i opened a restaurant a year ago and its a huge place, business is picking up, www.minzu.co.uk but i dont think i want to do it anymore and its too much for me to carry on.......i cant sell the lease because it is crunch time and i am technically operating insolvently. i have a house here…
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My BR woes...
Hello everyone... not been around much, been quite busy at work and knackered in the evenings, so have been lurking mostly. Anyway, was just thinking how difficult things are when you're BR with no form of credit. I now know how my situation got to the way it was, I just can't live on the money I earn, unless I want a…
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D day is upon me!
Well court is at 9:15am tomorrow. Absolutely bricking it!! Mum has offered to come with me but I have decided that i'd rather go on my own! Have got all my forms together, along with a book and a bottle of water. Need to go and withdraw the rest of my cash on the way there (which will take me back into my OD) as i could…
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2 children, but I didn't declare them on the I and E forms! help!
ok I am in a bit of trouble, I have 2 children (both with different partners) but when I filled in my I and E forms, I did not put on the form that I have any children as I don't see either one of them (not by choice). I went BR in January and I have had my interview with the OR, but what if i tell the OR about my 2…
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IPA/IPO question
My OR says he will not be looking at an IPA for me as i dont have enough surplus (deficit at the moment) for one. My question is how long does the possiblity of having an IPA/IPO given to you last, is it just until you are discharged in 12 months or less if ED or could you be liable for upto 3 years (normal length of IPA).…
