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Received OR paperwork
Hello peeps, Hope you are all good! just need a bit of advice I received all my forms from the OR's office to sign and send back requested paperwork, but they have mispelt my surname on each and every form, these will need to resent wont they from their end? bit of a pain really as want to get started! Thanks ClaireyD :p
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Any Police Officers on here?
Any police officers on here or am i the only one? I could do with a chat if possible (private message of course...) re pensions & commutation etc BR
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Bankruptcy seems only choice
Hello I am new to this forum although I am a regular on DFW pages. Firstly, I would like to say thank you to Rosey and Scarlett I have read both of your diaries from start to finish and you are both an inspiration :A Also thanks to those of you that replied to my post on Headache's thread. I have several questions tho, so…
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IM In Such a MESS :(
Im due to go BR on 6th august my fee of £495 was to be taken from the sale on my car.. ( i put it on ebay to sell quick and alot less than book value) to get messed about, i have today relisted it in hope i sell before end of month. also i have £400 bond and £345 rent that was also taken from the sale of car , im due to…
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Also survived OR interview
:D Hi friends..romans and others 64 minutes for my interview..she went through every page!!!!! Didn't bother with I&E as have no income!!!!! final solution my drop in income from £31k to temp work and jobseekers,plus loss of income from lodgers main reason for my debts and subsequent BR. Just a few things to send her and…
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Threats Of Issuing A Sd.
HI, have three debts , with on going CCA requests . Receiving threats of the issue of statuary demands. My question is should I let it go ahead ? I have no disposable assets and I am on a low income. My partner is sole owner of her house . I had to sign a agreement before mortgage was agreed , that I had no financial…
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tax and bankruptcy
hi all, i just have a question which really has no bearing on me but i am just curious. what do people mean when they say they dont pay tax during bankruptcy? i was bankrupt some yrs ago, old rules discharged in 04, but i paid tax just the same had same tax code ect ect as i say just curious and nosey!!! lol :j
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Financial links?
Hullo. Edging closer to bankruptcy - just trying to get the cash for court fees and pluck up the courage - but have one big question remaining, that none of the advice charities - CAB, Payplan, even Shelter - seem to be able to answer. My question - how does having a joint tenancy on a privately rented house affect the…
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Open post - my explanation.
First of all, thank you to each & everyone of you for your help and advice. Compared to others my debts are either small or large in comarison. 17 and a 1/2 K. I have MS. Gave up work in 2006. Took out a loan to consolidate in 2007. Actually had every intention of getting work. Moved in June 2007 to an adapted property.…
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Resend or wait?
Scottish Forms all filled in and sent off on the 15th 1st Calss receored. Still not been delivered. So I resend special or wait?? I dont know.
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Just had OR interview!!
:T :T ... its over!!! Just had the interview and I was sooooo nervous but I think it went pretty well. I had high debts from a failed business and personal living, tons of accounts and credit cards etc.. and the interview lasted barely half an hour to run through my reasons and SOA etc. I was expecting it to be a good…
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Starting to work on our I&E calcs - can you take a peek please
This is only a first attempt and I'm sure it will be tweaked and modified as BR day draws nearer but would you mind casting an eye over my I&E and letting me know if it seems realistic... Salary £1505 (net after deductions inc. train season ticket loan of £181 p/m) CTC £40 (will go up in Jan) CB £70 (will also go up in…
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Considering UK bankruptcy (living in Australia)
Hi there First of all this is my first post - this forum has been a great source of insight and advice so I figured I'd be completely remiss if I didn't ask for some advice on my plight before deciding what to do. The (hopefully) brief summary is this: my wife and I (and our 1 year old son) emigrated to Australia from the…
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9hrs to go.
Wonder why I'm counting. I'm nt looking forward to it. This is going to be sooooooooo bad. Will tell you why after.
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CCCC Appointment Friday
Hi All, I have my phone call booked with them this friday. Just a quick question, at the moment i am renting a place with a friend so we split the bills, a week after my phone interview with the CCCC i will be moving out and renting a room privatly. Is it ok just to give a fee of how much i am paying a month as the charge…
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SOA Advice needed please
I am new to this forum and BR, I posted all of the details of my problem yesterday and I have already receieved a few really helpful responses. Please see the following link for the details of my post under the living with bankruptcy section. http://forums.moneysavingexpert.com/showthread.html?t=1046363 One of the…
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Petition being heard tomorrow
Hi. I am new to this, so please excuses any howlers. I have a petition for bankruptcy being heard tomorrow, but this afternoon have come to an agreement with the creditor that they can have a charge over some property that I own whilst I try and sell it/raise the funds by other means. Should I still attend court? They say…
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Help after OR interview
Hi Hubby has just had his OR interview and she told him that his tax code will be altered to 0 and we will have to set up a standing order to pay his tax to another company. I have never heard of this before. Does anyone else know about this? Thanks GV x
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OR interview in the morning
Hi everyone, yet another question from me!! (thanks in advance for everyone that always takes the time to answer) Got my OR interview at 11am tomorrow morning (Wed 23rd) and I wondered if anyone who's already had them can tell me what info I need to get ready tonight? Need my SOA... what else? Also I don't know how to go…
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A Word Of Caution Folks
Right im going to stick my neck out and probably get it bitten of faster than a bat at an Ozzy Osborn concert but Can we exercise caution when advising contacting the OR re lump sums of money? As a recent thread highlights the Official receiver does not always follow the rules and also make errors, whether this is due to…
