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Live from the 3 Pears
Hi Guys, Sorry you could not be here to enjoy the night.But we will continue regardless. DEZ Cor blimey! What to say...well its really great, in fact we're all just jelling and jiving!!! & I'm not even drunk. A lot of fun...recommend a meet to anyone. UptheCreek It's lovely to be here with everyone, finally putting faces…
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Nationwide say I can keep account?
I got a letter from nationwide yesterday saying I could keep my account open as the OR has no interrest in it? Would you trust them? I have a co-op one now anyway!
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SOA Confusion
Hi all. Income is 400 a month from State Pension (65yo) The Bankruptcy forms have slots for: Mortgage - 0 Housekeeping (inc food/cleaning) - 160 Gas/Elec/heat - 60 Telephone (+mobile) - 24 Travelling - 25 (taxi once a week? are you allowed this is your old :P ?) Clothing - 20 Maintenance payments and fines - 0 council tax…
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Anyone any ideas on this?!?!
Bankruptcy proceeding imminent but I was wondering about the following. I have a private number plate on my car (that was bought for me, by my parents, for my 21st). Even though Im more than likely going to lose my car I want to keep my registration (on retention). I think its worth around £300. I would need to pay around…
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Help, please
I've been lurking for a while and thought now was the time to post. I'm in a total mess and bankruptcy seems the only way out (had advice from CCCS and an IFA). I still have queries and just can't seem to take everything in, no matter how many times things are explained to me. Just as background to how I got here, I was a…
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Error on credit file from old bankruptcy - advice please!
Hi - hoping someone out there can help me with some advice please. In 2002 I declared myself bankrupt as I was being held responsible for a debt in joint names accrued by my ex-husband. In terms of peace of mind, it was the best thing I ever did. I managed to get a basic bank account and when I was discharged in 2005 it…
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Early Discharges
Can someone explain how this works or point me toward a link that explains this please. .... What determines if you get an early discharge? Are those on a repayment scheme (sorry, new and can't remember the terminology ... when you go Bankrupt and then because you have "surplus" income you have to pay some back ... by the…
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Still haven't heard from OR
Hi, Its been 2 weeks since BR and I haven't heard from the OR to arrange interveiw. Only had a very short phone call the day after. Is this normal as they're so busy?
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Cleaning up credit files after Bankruptcy
Hi all Having been dischargedfrom BR over 3 years ago now i decided to get my credit files (all 3 of them) to see what they had on them and what sort of condition my credit status was in. I am so glad i did because i came across quite a lot of information on them that was incorrect and accounts that should have been closed…
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Renting
Anyone got any renting tips struggling to find somewhere with such a bad credit score everyone wants the term of rent upfront which is a lot of money any advice im in the Hull area looking for something around 700-900 three bedroom but withou paying six months upfront
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My plan, some advice please
I am not definate but I think I may be going bankrupt. A bit of back ground is that my husband isnt working at the moment and is claiming JSA. I earn around 1460 per month and am paying all the bills etc bnut cant keep up with the credit as well. We moved to Devon from BRistol ion June but its not really working out as he…
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another question about NIL tax code sorry
i dont have an IPA as i am only working 16/hours per wqeek and as suchon lwo income . how do u know that you are put onto a Nil tax code ? to be on a NIl tax code do u have to have an IPA or not ? have heard nothing from my OR about this ? sorry iam reallyt confused about this! if i am on a NIL tax code how do i work out…
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Quick question about OR contact...
...still nowt from my bloke since 12/07. Things still sooooo slow or everyone still on holiday? Just thought I'd ask this before Martin's Men deprive us of the chance to "hug" all day tomorrow. Just over three months before AD. ED out of the question now, I assume? cheers
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The Tax Man
I've seen posts on here about tax and never quite understood, now I've got one myself so could some kind soul explain please? The letter states that tax will not be deducted from my pay until April 2009. Well that's very nice but where does it go and does,'pay,' also include pension? Along with this letter I also received…
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IPA and NIL Tax code
Few questions looks like we or i will almost defenately get an IPA 1:-Do you automatically get a nil tax code if you go BR and you are PAYE tax? 2:-Can the OR just ask for the money saved from the NIL tax code? 3:- Does an IPA change once in place i.e. two years time you get a good pay rise? 4:- Does the IPA always last…
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Bankruptcy query?
What happens in bankruptcy when you have a large amount of equity in your home? From most of the posts on here, people seem to have no or even negative equity which means they are able to keep their house by buying the BI. If we are no better financially in 12 months time then BR's a (hopefully slim) possibility , but we…
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IPA- longest someone has waited?
Hi all, I know I am going to get an IPA, but have still heard nothing. Went BR on 03.04.08 and had interview a few days later. As the title says how long has everyone waited for?
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BR - Accessing my wages??
Hi, Can anyone offer any advice and what I can do? Me and OH got our Bankruptcy order on the 21st aug, are we offically BR now or after the interview? mine interview is via telephone on the 12th sept and the OH's is in person on the 16th sept:eek: I started maternity leave at work 2 weeks ago and before i left i asked them…
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Mortified
Just had a call from the OR. He said that in my paperwork he had found papers relating to an unsecured NatWest loan which I took out a few years ago for £15k (but I think I owed £8k at the time of going BR) and this wasn't in my SOA!!! I can't believe I missed this off. He wasn't very happy about it. He said it raised my…
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Ipo
Hi, I've been looking into this from all the posts on this forum. The CAB advised me to go BR from my current address. It is from here my expenses traveling to work are high but once moved and if they take the car my expenses will go down. Which figures do they take into account when working out the IPO?
