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Nil Tax Codes.
am i right in thinking EVERYONE gets a nil tax code for the rest of the year from being made BR ? is there anyway of getting out of the nil tax code? Im saying this as my HR will query or dig into why im paying no tax... could then lead to possible no income due to the ending my employment!? If they think i have enough…
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I have my BR date at last!!!!
Well got the phone call I was waiting for today. The lady from Crewe rang to say I have a date.......... 14th August 11AM and then 12 with the judge. Just got to pick up my file of letters from creditors and banks etc from CAB. Along with my BR forms they helped me complete. They were checking them over for me. I feel…
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1st credit - the saga continues
The debt has now been passed to connaught as 1st Credit Refuse to acknowledge any of the offers of payment I have made does this letter sound ok- any suggested amendments You have stated you are now recovering a debt passed to by 1st Credit from Barclays bank. You state your intention to issue a Statutory demand as you are…
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Abbey National?
Is the Abbey National affilliated to other financial institutions? Like Capital One, Halifax (my creditors) or Barclays or Co-Op? I have never had any dealings with the Abbey but I recieved the below. To me it doesn't read right and smells of scam. Appologies if have posted this in the wrong place. Dear Customer, Thank you…
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A bit of good news!
:j I have been doing some additional work during the summer holidays in a summer school and, notified the OR of it today. They said that as it's not a regular payment it's not worth them collecting it so that's about £350 I get to keep! I had resigned myself to only getting between 50-75% of it so this news is brilliant!…
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thumperess
hi , my bf accumalated some 35k of debt b 4 i met him . over the last yr i av put him in hand and now he manages his basic outgoings well but all the 35k debt was put on hold awaiting him to apply for bankruptcy but as im sure u all no u need a large amount of money to do that . well i av guided him in the right direction…
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DLA benefits & Bankruptcy
I am currently applying for Disability Living Allowance and I'm also going to be going bankrupt either in August or September (depending on when I get the fee together). The DLA will take a long time to come through anyway but questions! DLA is paid for people who need the support / care by an external person. 1) Because…
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SOA questions
Hi, I apologise if I am going over ground that you guys have covered before but I have a few questions about our family expenditure. I have a partner and four kids. I work as a freelance sales agent. I earn on a commission only basis and have an average income of about £2000 per month gross. My partner takes home around…
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Help What a Mess
Ok in breif. I was declared Bankrupt at the end of May this year. At the begining of June I was signed off work with vertigo and have only just returned to work this week. All the time I have been off work I have received no income other than SSP @ £74 per week. In that time I have needed that money just to feed me and my…
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Bankruptcy ipa
Hi all, we went bankrupt on 3/4/08. Had telephone interview on 16/04/08. OR stated that we would have to pay an IPA but we have heard nothing since. Should we contact him or just wait? I have also read on here about nil tax codes. Can someone please explain what these are for?
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Just a question
Hi guys, Just an update regarding my bankruptcy that I petitioned for around a month ago, and it's going pretty well. The fact you can't get any credit as a condition of your bankruptcy sucks, but a huge amount of stress has been lifted, so no complaints. Since they took my car, I want to go to Manchester, and was…
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Survived OR interview, but have a question!
The OR interview wasn't too bad, only half an hour long, and I got to keep my car - which I was so worried I wouldn't! My only question is, the OR didn't ask for any of my new (basic) bank account details, and said that when my contract ends at my letting agents, I have to give back the deposit to them. He also mentioned…
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Filing for BR, but cant get creditor list from IVA
Hi everyone. My IVA is to fail on 5th August, and all creditors are free to do as they please with me, according to my IVA supervisor. I am filling in the BR forms online, and all is complete aprt from what i owe my creditors. It has been two years since my IVA started and i have no records of what they have paid them or…
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bankruptcy advice needed
i am considering bc due to having 16k+ in debts (catalogues, cc, loans, ct) i am a single mother on income support, child tax crediit, and child benefit. husband left nov 07 i live in council rented accomodation. 1, my debts were caused by living beyond my means. and sone dating back to when i was 18 and credit was too…
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BR with other half
qwertyuiop
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Company offering to rebuild credit history - there a catch?
Okay not the complete history, but My Cash Plus (http://www.mycashplus.co.uk ) are offering a way of adding positive news to your credit file by "loaning" the costs of their cash card (£59.50-ish) interest free over a year in order to say you've had a loan and paid it back on time and in full -…
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OR interview questions
Hi everyone, As I've posted before, had my OR interview last week and I've got a few questions about the letter I received before it, so if anyone can help, that'd be great. I receied a letter a few days after going BR saying when my interview would be, stuff to sign and witness and what they requested. They asked for 12…
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OR, family & definition of insolvent
Hi Yet more questions! My concern here is mainly about the OR asking family and friends for money following my (hopefully successful) petition for bankruptcy. For the last 5 years my wife and I have had seperate debts but a joint bank account into which both our wages have been paid and out of which both are debts have…
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Car hire - no credit card
Hi, does anyone know how you can hire a car when you have no credit card
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need help with creditors petition
Its a long story, but basically we recieved a statatory demand from Connaught collections back in February. We made an arrangement with them of a payment of £1,000 and £100 per month. Last week they served us with a bankruptcy petition. We,ve contacted them to pay in full but they would not accept the payment. We have paid…
