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Newbie Questions
Hi all just starting down the road of trying to sort my finances out:cry: had a trawl round the site looking at all the info. Did the online form thing and it came back BR was probaly my option but I have not spoke to anyone yet, so decided to download the forms and start filling them in so I had all the info for when I…
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Report benefit fraud?
Hi - just after a bit of advice please. I know this is a question only I can really answer but just wanted other peoples views. Would you report a family member for commiting benefit fraud? My FIL is currently bankrupt and claiming housing and council tax benefit but also doing several cash in hand jobs (pretty much full…
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Notice to newcomers re trolls.
Hi Everyone, Not sure if we have this thread over here on BR board but DFW bump this often so that newcomers new & old are aware of the possibility of `troll` issues. They `bump` it along regularly to keep it in peoples minds. Perhaps it would work over here? Pania`s words are so brilliant I could`nt better them myself so…
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life insurance/assurance
Good morning everyone, Four days to go. Not that I'm counting... Trying to decide whether to discontinue our life insurance policy (£73 pcm for the two of us, total). It's term assurance, originally taken out for the duration and value of the mortgage (£168k), and has no cash-in value. nb house is shortly to be vol…
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Money abroad
Hi all My husband and I are considering bankruptcy. In 2004/2005 we sent money to France to help out my family. Would the OR will see this and if so will he/she look into my relative bank account in France?
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A parting Gift, or curse its up to you, and how you use it
A farewell gift, the OR,s Expenditure guide Can be seen here Why am I posting this? Well firstly it is now available on the IS website in the freedom of speech OR,s technical manual section, and although this might be an oversight by some IT guy at the IS, at the time of posting this, it is available to all anyway if you…
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my soa
Could you all be so kind to help me out on the soa. cheers IncomeAmount(£) Monthly income after tax1000 Partners monthly income0 Benefits0Other income0 Total monthly income1000 ExpensesAmount(£) Mortgage0 Secured loan payments0 Rent475 Management charge (leasehold property)0 Council tax70 Electricity30 Gas20 Oil0 Water…
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Soa Finished Woo Hoo!
Hi everyone, I've just finished our SOA's, and I've filled in our BR forms, they are submitted and 3 copies printed, so I'm all ready for court on tuesday! :j Thank you everyone that has taken their time to help me, I'm really grateful and would never have been able to do that on my own. Hopefully I will sleep tonight! I…
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could you check my SOA/I&E please
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1250 Partners monthly income after tax....... 0 Benefits................................ 409.4 Other income............................ 0 Total monthly income.................... 1659.4 Monthly Expense Details…
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Property in Tenerife safe in the event of bankruptcy?
My partner is considering bankruptcy (although his assets outweigh his debts) as he cannot keep up with the huge interest, charges and repayments on his overdrafts, loans and mortgages. He has a home in this country and an aprtment in Tenerife which has a lot of equity in it. He is trying to work out whether to stop…
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I have been lurking for a while
So I thought it only right that I come and say hello. I have my date booked on Tuesday in local court, forms all but filled out and fee's are together. a little history if I may, Married, 2 small kids and 20K in debt on Credit Cards, for months I had my head well and truly buried in the sand, the bin was positioned under…
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Mbna
Hi all. Had myfirst phone call yesterday from MBNA. Have told them the score-can't afford to pay them. Didn't mention bankruptcy which will be happening in the next couple of months. Chap said i need to send them income/expenditure info, when i think i can pay minimum payment again and he will only be able to stop phone…
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eversheds
Hi, 1st time on forum-please bear with. Have got a bit of a debt problem with northern Rock who seem to have passed my debt on to Eversheds. Got a very vicious and nasty threatening phone call from them late one night - I can make things very difficult for you - and - i can make you suffer- were just two of the comments.…
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Farewell
After giving it a lot of thought over the past few days I have decided to follow Phil’s and another posters example and stop posting here, after the attack by cabvol the other day I have decided i dont need that sort of crap. I am tired of having to defend myself, and others for that matter when all we are trying to do is…
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Benefits covering mortgage payments - but saving towards BR!
I'm wondering if anyone can advise me on something. DH is just going through the process of signing on as he is out of work, and I don't work (home with kids). This is the first time either of us have ever claimed benefits so we are very ignorant about all of this. My problem is, by signing on, the benefits should pay our…
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An update on me...........
havent been around much lately as been poorly (low blood pressure and dizzy spells and feel exhausted) and my laptop had to go to the hospital of Toshiba as the fan stopped working in it and have returned to work from maternity leave and also may be being made homeless. On a good note though my 8 month old daughter is just…
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soa forms again lol
Ok! i've just been reading shadowdragons SOA post and now I'm totally confused lol. Both me and my hubby are going bankrupt. So on both our forms don't I just put down both our wages and incoming money, and all our joint outgoings on on both forms? and explain what I've done on a seperate sheet? that's what I was going to…
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OR interview
Well i got my OR interview on Wednesday at 10am, i will have to ring them Monday to see if they can ring my mobile since i will be at work then. also my BR was in local paper friday night i was not told about this? i thought you were informed as to when it would be in?
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Statement as to why i am petitioning for BR...
Just put this together and its not pretty reading as i have been very stupid over the last couple of years. The general statement is that i have gambled probably £30k in the last 2/3 years upto february this year. Taking out loans and gambling them instead of consolidating etc... They say honesty is the best policy but it…
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Bank cards
Hi, I'm in the middle of doing my bank accounts on my BR forms, its asking for my card details and the card number. I've found all my card numbers except for one. Is there anything I can do as I can't find it? It's an account we've never used. In the second half of step 5 I've put the account in but I can't find the card…
