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IPA - at the end of the NIL tax part
Hi, I have an IPA set up, and have been paying into it for about 7 or 8 months. The NIL tax part has now finished. Has anyone here been through this point before? The reason I ask is that Clarke Willmott have written to me saying that my IPA payments are complete, and I need to cancel the standing order.... but I still…
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Survived the court, waiting for the OR call now
Thanks everyone for your well wishes. Well the train was right on time and so I got there an hour early but at least I wasn't then worrying about time. Apart from the armed guards at the entrance to the court the actual room we went in was nothing like I imagined, it was more like a council office. Even though I was early…
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what happens when an IPA ends?
when you finish paying off your IPA, do you get a certificate or some form of written confirmation from the OR?
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Early Discharge??
I went BR last November and it was the best thing I could have ever done!! I have just got off the phone to my OR and they are looking into discharging me early!! Once I am discharged will I still be black listed or can I go on the mortgage with the missus instead of it being all in her name? I also have a joint bank…
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Voluntary Repossession Of Our House - Help
Hi guys, rec'd the form from the Building Society (The Chelsea) as we are considering handing the house back. We are not in arrears its just with moving abroad on the 19th Aug. We have had no offers despite house being on the market for last 3 months, not even 1 viewing. We could rent it out but we need a new boiler and…
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car insurance
Hi i was just wondering if anyone has had any problems getting car insurance while being bankrupt:confused: thanks y&k
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my Income and expenditure what are you thought ?
hi iam just finishing filling out the bankruptcy form and i need advise on my I & E. i have debt just over 25 k. this is for a couple with no child. mywife wil be bankrupt too once with have the fee. my outgoing: - income 850 pounds - tax credit 158( i think) total 1008 My outgoing so far (per month): - rent 417 -…
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The newspaper!! My name went in the paper after the judge said it would not
Hi Everyone Just wanted people comments on what i should do When i went BR the judge had wrote a letter to the OR to confirm my name would not go in the paper. As this was the company i worked for and would affect my job for lots of reasons. When i check the advert before we went to print to my shock all my details had…
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Help please with housing
Hiya All, Have sat back and read threads but never posted one before. I would be really grateful for any advice. We went bankrupt last year and basically lost everything. At xmas we had to find a house for six of us (hubby,myself and four children). We now live in a small two bedroomed house and have two of our children…
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Confidence boost needed - going bankrupt tomorrow.
I really need a confidence boost for tomorrow :o I've submited my online forms, printed 3 out. Got my £345 and got my Ex160 form and what I hope they will take as proof of my benefits so hopefully I won't have to pay the court cost but got the money just in case I do. Took my last few pounds out of my bank and arranged for…
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bankruptcy and compensation claim agaisnt ex-landlord
i am about to go bankrupt everything been fille din what a nightmare that was ! about 25 k worth of debt and i am only on low income. i am counterclaiming against my previous landlord for illegal eviction and trespass of goods, breach of the covenant quiet enjoyment and harassment. anyway if the court rule in my favour and…
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SOA help needed please!
Hi everyone, I'm now filling in my forms online to take to court on Tues morning and I'm stuck on the SOA.. I'm filling in the Step 4: Creditors and don't know what to put for the 'date incurred' in the 'Provide all details of credit cards, store cards and overdrawn bank accounts together with the date of purchase or the…
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tomorrow is the day
Hi All Tomorrow is D day or BR day, i am so scared, i know it shouldnt be that bad but am pooing my pants so to speak. Have got the all the money and hope as i am unemployed will not have to pay the court fees apart from the £345 for the judge. I thought that i would be ok but feel terrible at the moment. Will let you know…
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can we all just stop being ratty with eachother
Hey guys, i know i haven't been on for a while, last time i came on was when philnicandamy said they wernt coming on anymore. and today, every other post i have read has atleast 1 person being shi**y with each other. Its not needed, you either come on here for help are to help someone else. All any1 does is give you honest…
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scenario
creditor petioned me for br. now im br business partner not br business now ceased trading nat west after 40k from business partner now im br is this correct by them puzzled??
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IVA - Approved but DCAs keep writing
Hello, I have been on a different thread about my husbands IVAonce before and I am asking for someone's advice again! My husband was a gambler. He is attending GA meetings and an IVA was approved in May. However, even though the Chairman's report said it was approved, one of the companies working on behalf of a couple of…
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My I & E - what do you reckon?
Hi - My BR date is set foe 14th July, so this i my I & E - it is for a family of four (me, and three children) Income: £400 - wages (currently maternity pay) £832 - tax credits (of which £560 is child tax credits) £175 - child benefit £583 - housing benefit. Total - £1991 Expenditure: £875 - rent £40- council tax £30- gas…
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Natweat
Hi me again, just a quick question. I was doing an IVA but my ex left me and stopped paying. so our IVA failed. We were then handed back to the poeple we owed money to, now they have all got back in touch with me except for natwest bank and this has now been 1 and a half years that they have not been in any contact. the…
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Help need bankruptce but cab charge £500
Please thank you I have big debts £40000 my business providing workers to the farmers is not good now, i gwt many letters and bad phone calls form the baillif people they come and hurt us I think just like at home. must do something to stp this. friend told me of bankruptce i use hi computer or in libary to get on i have…
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BR - NT tax code and Housing Benefit
Ok so I am BR, am paying NT tax code and had to send in a couple of payslips to HB. As I am now not paying tax, it appears to them that I am earning more so no longer entitled to HB. I did include a letter explaining the situation but they haven't read it yet. That's a different department apparantley. So no I am not…
