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Accepted amount of household expenditure?
Hello After reading through other posts, I just wondered if there are guidelines out there as to what your monthly expenditure should be when you're filling in the br forms? I'm just about to get a new house, and guess that as long as i don't rent a mansion, c£700 rent pcm will be acceptable for Gloucs as it's expensive…
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debt not detailed in bankcrrupcy?
I have filled in all my forms, but I can now rememeber I signed up for broadband three years ago with Orange, I got a broadband account, but it was never set up properly, I tried to instal it, kept having problems, rang them, they wouldnt fix it e.t.c I gave up. I got Talk Talk broad band but the need a MAC code, I rang…
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Letter from OR
Hiya My dad had a letter from the OR this morning asking what he did with some money in 2005. He had an online Egg account from which the OR is saying shows transfers of about £8000 in the space of about 4 months in 2005. We know where this money went, my dad gave me the money to help me through my divorce and to pay off…
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Am I being too positive???
Hi all I've been lurking for a few weeks, trying to pluck up courage to do something about my awful situation, I'm sure a lot of you will identify with this. Now I've looked into it all, and taken CCCS advice, it doesn't seem as bad as i thought it would be to get out of this mess. Basically, I've split up with my partner,…
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Wish me luck!!!!
I have just had a phone call to say I am invited for 2nd interview for job (monday 14th).:j Unemployed since 17th March so.......something else to be nervous about:D Sandy
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Co-op account now I'm BR
Morning BR's! Well it's my first day of being debt free after court yesterday so I decided to phone the Co-op and open my Cashminder account as I know the Natwest one I've got will be closed soon. The application went straight through and I was accepted.. is this normal? I thought I would be referred for a decision? Has…
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Nearly there!
Hi all, Just wanted to let you all know that I have received a letter to dischage me early from BR! I went BR on the 16th November last year and i have been discharged since June 11th this year...although i only found out yesterday! Not entirely sure how i feel apart from relieved that the nasty part is over and now i can…
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Post bankruptcy questions & other
I've received bumf from the OR's office. I've to send back 1yrs worth of bank statements & CC statements. No problem there but the envelop they sent me is a bog standard business size A10. Mean so and so's - how the hell am I supposed to fit it all in that!!???:rolleyes: They haven't even sent me an address! Any way,…
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hi how to save links + what accommodation ...
Hi there, specially Dez-titute who thought I desapeared. well, i did, as it's so many thing going on. Need to find a new place to live first and still dont know to which budget to go for. If i go around paying £500/600 for a room dividing with 2 or 3 people as most of the people i know do, in the end of the day take…
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What way does bankruptcy work?
Hiya, I'm new here and am wondering if anyone can help me!! PLEASE!! My sister and her boyfriend split over a year and a half ago, she moved out and he stayed in their home, which has a joint mortgage. He continued to pay the mortgage etc. They have had the house up for sale and there has been ZERO interest, the price is…
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Increases in earnings if you have an IPO/IPA
Sorry if this has been asked before but I'm not having much luck with the search thingummy :o We are anticipating being landed with an IPO/IPA (not sure of the difference) and I know that anything over and above £99 disposable income is liable. Do they take ALL disposable income over the £99? If not, is there an average…
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Starting a new Job do they need to know??
Hi, I went Bankrupt in May 2007 and was discharged in October 2007. I am due to start a new job within the next few months and I am worried that I will have to tell them. I have spoken with a couple of friends and they feel that the new employment company will not need to know because I have now been discharged. Does…
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change address and start fresh for bank account
Hey guys got nealy 3 weeks till auto dishcarge and am now thinking beyond and looking to get a decent bank account.... If i move address and apply for bank account how can they tell i have been bankrupt? do they check the register?
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What is happening on this forum?
I've not been on in a month or two and I posted a question earlier so i was looking around expectin the normal friendly posts and I see people talking about "others" that dont post here now and not so friendly answers...
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How long to default/DCA on loan?
Hi there - have another question.... Just got in to find a letter from Egg loans saying my arrears had risen to an unacceptable level and that they will issue a default notice on my account and progress with collections activities. What does that mean, DCAs? How quickly will this happen do you think? Does a DCA involve…
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Can anyone help?
Hi there, I was declared bankrupt in January 2006 and discharged October 2006. All my debts bar one went into my bankruptcy and that was a loan from my parents to buy our business...I say our, my ex husband who is now refusing to pay anything towards the massive £455 a month I have to pay on my parents mortgage! I have two…
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IVA - Certificate of non compliance
Arghh the other thread has got me panicked a bit. I do not have one of these but do have a letter from my IVA people saying they are happy for me to go BR. They have given me a printout of my creditors, but this is as at the beginning of my IVA (18 months ago) as apparently none of the money I have paid to them has been…
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Bankruptcy, tax and self-employment.
Good afternoon, Here's a little light reading that should help with some of the queries relating to the treatment of taxation for self employed people. It does seem a little daunting, but it is reasonably straight forward. The references used are actually live links at the time of posting this Thread, which is useful.:D :D…
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3rd time lucky
I have my BR appointment booked for 17th and will be my third attempt The first time i went they said "oh you have an IVA do you have the certificateof non compliance?" i said there was nothing in the paperwork that asked for this and didnt know i had to get one. They said yes we know its not clear ( well if you know its…
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Calls at work?
Im about to do bankcrupcy, but I got a loan out about 4 months ago, before everything went pear shapped, I stopped paying it once I realized how bad it had gotten, so I paid then two monthly payments, i got one letter from them a week ago, since then nothing, they have my address, my mobile number, my home number, then…
