-
soa please could you take a look.
HI there everyone, not been on for a while we have been saving our pennies for the big br day! now nearly there, court booked for next week.:j please could you have alook at ins and outs. many thanks, lala XX for me, partner, two children. Income wages, me £560 partner £615 working tax credit £79 Child tax credit £379…
-
Walk away from job..... with debts
I am currently on a DMP. At my current income/expenditure it should be paid in the next 4-5 years. My job is starting to really do my head in. If I walk away from my job and get a much lower paid job but with less stress, it may take many years to pay off my debts. I don't own a home, my car is only worth £500. If I walked…
-
Another "will I keep my car" question - sorry!
Can anyone tell me if GP letters hold any weight with the OR with regards to keeping a car? I've got a long standing back problem that would mean long walks to go shopping etc would be very difficult for me. My GP is happy to provide me with a letter stating that I have this concern and he feels that I need my car for…
-
Pre-paid card questions
Hi everyone, I've taken out a pre-paid credit card (which will shortly be cancelled as I've just got a pre-paid PayPal card which has no montly fee to it) and I was wondering.. Who knows I have this? Does it still show on my credit file even though it has no actual credit to it? Will the OR be able to see I have it? Thanks…
-
Pay as you go web access post BR???
Hi all, Did ask something like this before but not too technically minded ((!!?)) so be gentle on technical terms! Old emplyers soon to cut my web connection at home-are there any 'pay as you go' monthly schemes?? Seem to remember someone said you can buy a 'dongle' ?? whatever that is?? I'm happy with a 1/2 gig…
-
How long should I wait?
Hi All Firstly, thanks for all the helpful feedback and comments in response to previous email...much appreciated! Secondly, maybe my question should be 'how long have I got?' Having had long discussions with National Debtline and The Bankruptcy Advisory Service (v.good but needs £25 annual subscription!) it seems BR is…
-
Few questions still...
Just checking through my paperwork that my CAB adviser did for me. My oh pays money towards his debts, but his full income has been put on my paperwork. I know I need to amend this BUT would I need to recopy all the forms or is it ok to have a mendments. It's only 30.00 but that of course ups my surplus. My gas and elec…
-
newbie
Hi been on for a few months and probably like a lot of other people was trying to block out my debt but after reading a few of the stories decided last week to do something about it. I would like to thank you all for the advice I have read
-
Children's Bank Accounts & BR
Reading the thread about how to actually save money while you are an undischarged bankrupt has got me thinking about our children's savings. We emptied their accounts with the HSBC a while ago when things went t1ts up with our own accounts. I haven't got around to opening new accounts for them yet, but would like to get…
-
Fee waiver if not working BUT not claiming benefits either
Two friends of mine are going to be going bankrupt soon and I was wondering, I know you can have 150 pounds waivered off the fee if you are claiming benefits. Does anyone know if the fee can be waivered if they are not claiming but just living off their husband (the wife isn't working). Do they need proof of no income? If…
-
Crisis Loans
I read on a thread on here that someone should get a crisis loan from the social to pay their bankruptcy fees. Is this allowed and do you need to say why you need the money for when filling in the forms? We are on benefits and would probably go down this avenue to raise the bankruptcy fees if this was allowed. Jaks
-
Provident & Greenwoods
My Partner & I both have loans with Provident & Greenwoods. We are planning on going Bankrupt, we have an appointment with the CAB in the morning. Has anyone who has gone Bankrupt had either Provident or Greenwoods as one of their creditors? If so how to you stop them coming round to collect the weekly payments? Do you…
-
Deficit Income and Bankruptcy
Hi All Ive just read another post on which if I understand it correctly means Im in BIG BIG trouble. I am about to go Bankrupt on the 21st August after struggling to get my fees together Im now worried that I might get it refused on the grounds of still being insolvent when declared bankrupt,,I still wont have enough…
-
One creditor not come forward
Hi i am currently in yr 2 of my IVA and was informed by IVA annual review that one creditor has not yet come forward. - i am presuming this is CTC as they have stopped my payments to recover the amount of overpayment. So initially i estimated that in total i owed about £25,000, but only £21, 000 worth of creditors are…
-
whats happens after BK
me and my OH are going to be goin BK, my OH is all for it however I am still a bit wary. Financially we have to but we have just got our step on the property ladder and I worried that once we come off it we will never be able to get back on it. So my question is, I know it is a long way away but what life is there for us…
-
CCCS advice - a couple of questions
Question 1 CCCS advised son to write to all his creditors and offer £1 token payments. Postal orders were suggested but this will be costly for so many. Question 1 Are there any other options? His bank account is overdrawn so his JSA is now paid by giro. Someone suggested online payments from a bank account but will anyone…
-
Paperwork for OR
Hi, I will file for BC next week in the RCJ. The forms are ready and have been checked by CAB but I just want to check what the OR will then ask me for later. Is it my past 3 wage slips, last 12 months of bank / CC statements and loan agreements? For the loan agreements, I only have the summary page from the internet. Will…
-
Going BR Weds, Tax credits due thursday?
Hello Im going Bankrupt on wednesday. My only other option is Monday, but the judge will only be there on the wednesday. My tax credits are due on Thursday but if I go BR on Thursday I wont have a bank account for them to go into? There isnt another account they can go into. If I open an account monday with the co-op, will…
-
Informing OR of changes
do you have to inform OR of a new job
-
owning cars and bankruptcy
Hi We are going bankrupt. I have a car on HP which I assume will be repossessed. However, we are trying to save for 2 run around cars. I need one for work as I work 20 miles away, we can get one for about £500. My husband will also need one as we have 3 children, as he has to take them to school and nursery, and we can get…
