-
Claiming for allowances when overseas?
Hi, I''m new here and I was wondering about the allowances for food, housekeeping etc that can be claimed. How do these guidelines apply when the amounts are for someone living overseas? I mean do they go by the GBP equivalent or do they try and find out whatever the guideline would be for that particular country? Thanks.
-
Really don't know what to do !!
Hi Folks 1st time on this board, have posted a few times on dfw but things seem to be spirralling forever downwards so here I am. I have debts totalling around £118,000 not including mortgage ok let me be honest with myself. What I owe to other people/organisations = £238,000. :eek::eek::eek: My business has collapsed, it…
-
well finance company want to take the car (pre-br)
Well had knock on the door, apparantly they want to take the car, im few months behind now and im happy for them to take it so can add the bill to my BR but means i wont have any car to get to work so going to stuggle until can afford a cheap run about :(
-
Does this letter to the OR seem ok?
Please dont judge or laugh at my letter to the OR, its taking me a lot of guts to post it here, im looking for constructive critisism only please, no jokes ect, dont think i could cope. Thanks Shadowdragon
-
Goodbye...farewell
.....from me. I've decided the time has come to walk away from MSE...what again?? some might cry?......this time its for definate (and no Broken Hearted i'll not be back in a few weeks!!) The support over the last 2 years or so has been fantastic and I'm slowly starting to turn my life around. However, I now feel I have…
-
APB, calling all cars, missing person....
where is forestpotty? last post 26/5..........
-
Pre-Bankruptcy Advice
A month or so back i posted that i had been informed that bankruptcy was the best option for me, as i'd been off work ill for 12 months and hadn't been able to make any re-payments to my debts for that period and it was unlikely that i would be going back to work anytime soon - and i was looking at ways of raising the fees…
-
Going round in circles!!!
Hi, I have read a lot of the threads on this site and they are very positive and supportive in this scary time. However, there is a lot of information in here and I am one of life’s worriers and can drive myself insane with what ifs, buts and maybes. I have managed to get myself into over £43k of debt through bad…
-
Silly Question? Any Ideas?
HI I HAVE BEEN MADE BANKRUPT BUT HAD NO CONTACT APART FROM A LETTER SAYING I'M BANKRUPT. TODAY I GOT A LETTER FOR A COUNCIL TAX BILL FROM A COUCIL WHERE I USED TO LIVE. THEY ARE SAYING I'M IN ARREARS WITH THE PAYMENT WE AGREED. I AM IN ARREARS AS I STOPPED PAYING WHEN I FILED FOR BANKRUPTCY AND INCLUDED THIS WITH MY…
-
New beginning or game over?
Hi Guys, I have been reading this forum for about a month now and have found it to be a fantastic source of information. There is no better advice than from people who have actually lived and breathed a situation. All was going well until today, but this evening I have hit a downer, and I thought it might help to actually…
-
How is lday to day ife after bankrupcy? please help
unfortunatelly, after been taken advantaged by one of the biggest sharks in london (yes, finally saw him all over the newspapers fews months back), I have been advised to go bankruptcy. I have financially being depresed for almost an year now and still in denial. Everything i fought for my life after leaving home due to an…
-
Thoughts on my SOA / IPOQ
I went BR on 29 April and had my OR meeting on 12 May. At the meeting he never really looked at my SOA, mainly I guess because I had started work in between going BR and the meeting. I got a letter this morning asking me to complete the IPOQ form and would be grateful for any advice. Anyway, any thoughts on this would be…
-
help
ive been in a iva for 13 months and managing well but ive now lost my job so ive missed 3 payments i have debt of £27000 but now all i get is £500 a month and i get £140 a month off my son my rent is £200 council tax £70 gas £60 electric £30 water rates £35 can the ivp make me bankrupt i need some help on which way to go:o
-
Clarification: Repossesion after Bankruptcy
Hi All, I went through bankrupcy last year, after my business partner made fraudulent use of an Invoice Factoring agreement which i was a Personal Guarantor on. Struggled through the last year in a new career (self employed) and was discharged in March ( 4 months early). For the sake of the kids and my wife, ive been…
-
BR and Mortgage
Does anyone know if I would definitely lose my house if I go bankrupt? Just got the quarterly statement and there is a very fine line between the value of the house and the amount owed - about 5k so by the time they sold it and paid sol fees and hips there wouldn't be much left and with the falling house prices it's…
-
Job Interview tomorrow
Feeling scared and excited - :j
-
Any comments on the OR for Essex?
Can anyone who has been made bankrupt in Essex(southend/Romford etc) tell me of there experiences of the OR for that area?Thanks
-
Just 'who' do the OR inform of your bankruptcy?
Reason I ask is that, I was made BR on 9 May 2008. Recieve a letter from one of my creditors (18 May 2008) saying they'd been informed of my bankruptcy ... blah .. blah ... blah ... writing debt off to 'bad debts' Today I've recieved a letter from one of the debt collectors (Blair, Scott and Oliver Ltd) another creditor…
-
Sainsburys bank!!!
Hi everybody, Just had a very rude lady on the phone from sainsburys bank. I explained that I was BR and she asked me the court and case number e.t.c. And then proceeded to tell me that I was still responsible and they would continue to contact me. I ended up hanging up. What do I say to them next time they call? Regards…
-
So the pupils I teach know I'm broke and have been discussing it in class.....
A bad day today for me. Firstly pupils I was teaching (well, on cover for) started discussing at the back of the class how Miss December's name had been in the paper as she was bankrupt, followed by a discussion of what bankruptcy is with the decision being made that it's when you've got no money in your bank account.…
