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Finally my I&E - help appreciated!
I'm nearly 4 months into my BR and I have just been sent IPOQ questionnaire. I am temping so I'll see what my average was over the past 3 months. I get child benefit at £120 per month - this may be stopping soon if my kids decide not to stay in Education! This is for 2 adults and 2 teenagers My outgoing are: mortgage 1,365…
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Best childrens' a/c when parents going/gone BR?
We currently have a couple of children's savings accounts with Halifax in both our 18-month's old name and ours as we had to open it on his behalf because he isn't old enough to have his own. From reading on here, we need to get the money out of these as soon as poss before Halifax screw him completely :rolleyes: but could…
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advise please
need some advise please , ten years ago almost to the day both my wife and I were discharged from bankruptcy , things seemed to finally be sorted and life was back on track , then five years ago I lost my job once again and debts some mounted up again , anyway after about six months I found another job and we managed to…
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ED expected soon - do i need to notify OR of new job
I hope you can help. I have had a letter from OR saying that I am being considered for ED and that I shouldn't contact him until he notifies me of the ED date. I sent him my I & E as requested and haven't heard anything else (since May). However, I have just got a good job. I have checked the letter from the OR, there is…
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Working Tax Credits after BR
Dear all, I wonder if anyone can help me with this question. I have been discharged from BK and therefore according to my logic, all is sorted with the OR etc. However, yesterday morning I received a Working Tax Credits decleration form. I think is because I applied for WTC pre-bankruptcy when my struggles began and I…
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New Job & Br
I am currently not working and with our current I&E there is no surplus. If I get a job which brings in roughly £350 after childcare pcm would they take 50% of this? IN which case is it worth me finding a job? Can I lose £350 in our I&E? Don't know what to do. Feel i need to contribute again to household in these testing…
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Nil Tax Code?
I read somewhere on here about a nil tax code being applied when you went br. Does this apply in Scotland? Also - my husband has a dispute with tax people re he thinks they owe him about 5k and they say he owes them 2,300 so have adjusted his tax code and we are paying 2,300 over 12 months meaning he gets about £200 a…
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Ipa
Hi all, Well got my ipa today, £108 a month, now when i work out how much tax i would have paid on the normal tax code it works out more than the ipa! so i am in theory better off with the NT code. does this also mean my NI is stopped or do i still pay that as well?
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Updated - All done, now BR
Have to be at court for 9.45. Everything is sorted and ready to go, but im really starting to get a bit nervy about it now. :o Im sure all will be ok, just really not looking forward to it. Wish there was someone to go with me too, but hubby will be at home with our small baby. Having a bit of a sad time about it all.…
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Can anyone help please!!!!
:confused: :confused: I am now bankrupt (happy days) but i was wondering about phones bills put into the BR, do the phones companies cut you off if your bill is part of Br ??? help please
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Joint bank account
Hi everyone. Have been considering bankrupcy for some considerable time now, just need to get on and do it .... I have a joint bank account with hubby, cashminder at the co-op, we went there because we were so over the overdraft limit with Lloyds that our wages were being eaten up by the overdraft. We still have the lloyds…
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any advice please
Hello all After reading this forum for a few weeks, we decided to jump in to try to get some answers to questions that are maybe not major issues but are worries non the less We are seriously considering going BR very soon. A bit about ourselves;, we have been self employed for the past 10 years or so, and are now in 110k…
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Excel Counselling, any experience of them?
Hello everyone, We've had a letter from Excel Counselling, informing us that they have been engaged by the secured loan people (who know full well that we are bankrupt) to "resolve" our dispute and suggesting a meeting with them back at the house we left in May and are handing back to the mortgage holders. Billy fired off…
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Get to keep car!
Scary- letter from OR today but it was good news as theya ren't going to claim it. It was touch and go because as far as work goes I need it about a dozen times a year for evening work which didn't cover the monthly cost, but my lovely doctor wrote a letter confirming my mobility problems - its not enough for disablement…
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Confused....!
So i went to court last wednesday and handed in my petiton, so instead of having three i know have two, ones for me to keep, that leaves one, so where do i send that ? Ive just recieved letter from OR stating telephone interview date etc and a big grey envelope to stuff my financial records into, do i include the last…
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Monday could be the day!!
Hello Again! I have now got an appointment first thing Monday Morning at the County Court (9.15) I have my paperwork ready and the fees, I am really nervous now as to what will happen, will it happen on the same day? I dont want the BR to be rejected and do not want (and cannot) to enter an IVA, am scared of what is going…
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What does this mean please?
I sent a copy of my BR order to my creditors a couple of days after going to court. Capital One finally seem to have done something! So can anyone tell me what this means please (I've recieved 2 - one for each card) "We have been advised there is a bankruptcy notice against you. We have issued you a default notice because…
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What happens to.....
Interim charging orders in the event of bankruptcy?
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Get my BR date on Sunday!!
Chased Crewe again today, the BR lady said she would ring me Sunday with my date. At last I have light at the end of the tunnel, their in the 4,000 numbers so no wonder they are busy. CAB advisor helped get my forms ready, got to pop in and shee her collect my huge file of creditors letters too. Hopefully everything there…
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Bank accounts after discharge
We have a sticky for bank accounts for BR's but what about for discharged BR's? Or does nothing change when you are discharged?
