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biting the bullet
This thread has been viewed 0 times. Thread Tools vbmenu_register("threadtools"); Search this Thread vbmenu_register("threadsearch"); Display Modes vbmenu_register("displaymodes"); Today, 10:26 AM #1 sadsmurf vbmenu_register("postmenu_11888161", true); MoneySaving Newbie Join Date: Jun 2008 Post Count: 1 Thanked 0 Times in…
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Anyone good at sums?
Hello everyone. It's horribly late, I know, but OH and I have been thrashing away at the dreaded forms and have got stuck on the I bit of the I+E. Does anyone have any idea what tax and national insurance figures (Section 6 of the form) we should be putting down for gross monthly incomes of: Me £2175 OH £1677 nb we're both…
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Pensions and Bankruptcy
Well I'm now almost on the edge of finally going BR. I have a pension question and I'm hoping that someone may be able to help me. In the long lost 1980's, the good old days, I opted out of serps using Scottish Widow's pension builder, a few years back I opted back in to serps when it was beneficial to be in the official…
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IVA/Trust deed help please!
I've recently relocated abroad and am currently under a Trust Deed in Scotland. Where I have 2 and half years left to pay off the trust deed then I will be Debt Free in UK. I have now settled in my overseas country and have no intention of going back to the UK. My inquiry is basically to cancel my trust deed monthly…
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PO Box
Have any of you had to claim BR by using PO Box address? What if person doesn't have an address, surely you won't go to BR using your friends address whose sofa you are borrowing?:confused:
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letter from the IP....
Dear sir, blah blah blah...." basically, its been 14 month since the ltd company who had me over for £13,000 went bust, the OR (or rather the appointed IP) has found not 1 penny for anyone... happy anniversary
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last hurrah
I spotted a fairly good deal on ferry fares to Dunkirk next month, ie £60 max return for me, OH, child and car. Would it be madness to pay for this online with card (from account that it is in credit) a week before going to court? No accommodation necessary. Have friends nearby. Seems like best (only) chance of a summer…
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Go BR and they all come out of the woodwork..
Hi, I have recieved a letter from an old creditor when i say old i mean OLD it is addressed with my Married name on it - have not used that name for 7 years! How did they find me? i have moved 3 times since this barclays over draft of £100 was active!!!! Anyway, my question is as it was not on my BR petition will i have to…
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A couple of questions.....
Hi all, Thanks for taking the time to read and perhaps you might know the answers to these which I haven't managed to track down yet.... (I have already found answers regarding my DLA and bankruptcy here!) 1) Is a CDL 'Career Development Loan' regarded the same as a 'Student Loan'? (the CDL I took out was with Lloyds and…
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Embarking on the road to Bankruptcy
Hi all and first of all a huge thank you to all the help I've received thus far from reading existing threads! I think it's about time I introduce myself and tell you a bit about my situation and then hopefully when I'm in desperate need of help you know which pain is asking for it! :p A bit about me - I left my husband…
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Tax credit arrears from pre BR.
Hi all, A friend was made BR earlier this year. She has just had a letter from the wonderful tax credit people to say that she has been overpaid :rolleyes:. Am I right in saying that as she is not already in an arrangement with them then the arrears will go straight into the BR. Thanks folks.
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Soa?
Hi, I'm just about to try and put an SOA together, I'd be really grateful if anyone could give me some ideas as to what I put in it besides my rent, c.tax, and stuff like that. And what are acceptable amounts? Blimey! my head's everywhere! :) marste
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"stay of advertisement"
Another nerdy/deep in the manual question! (Is Penguin around today?) I've just been trawling through various subsections of other subsections of the insolvency and justice websites but have yet to find anything that clearly explains how one can go about applying to have one's address withheld from the advertisement in the…
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Co Op
Three cheers for the Co Op They have approved my cashminder account today!!!! Ive been without a bank account for a week. x:beer:
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Help Please going br need advice
I have decided to go br yeah !!!! :T The court said 3 weeks wait for date.Now i have been paying baliffs for 5 years now and i pay monthly, a payment is due this week but i havent got the money,in the past i have been late paying and have not had any contact with them for a week or so after payment is due then balliff…
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Date booked
Many of you may have read my previous posts about our debts and how we have lost control to the point of making myself ill. I have had some fantastic support from everyone and shed alot of tears after reading your heartfelt posts, just knowing that there is "someone" listening is comfort alone The date has been set for OH…
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Need Some Advice - Updated with SOA
Hi All, We are trying to get an appointment to go to CAB, but in the mean time I thought I would come on here for some advice. A few years ago we got in a lot of financial trouble and ended up entering into an IVA, which failed after about 6 months as I became ill and had to give up my job, so we couldn't afford to pay it…
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ok, own up....
whose got this 42" plamsa TV then?.....
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another nerd/wonk question
Good morning This may apply to Jono too. All advice welcome. If I were to receive money left to me in a will during bankruptcy, would the OR take all of it or would the 70% surplus income rule apply? ie Would I be allowed to keep 30%? Many thanks Lily
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BR and a unsecured debt
if i had an unsecured debt that was looking to migrate to a charge on a property soon, would BR stop that process?...
