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Advice Needed
A big hello to all I wonder if any of you can help with a small problem - I have just been declared Bankrupt and i have one year to go before I am discharged all my debts have been cleared so I no longer owe any money. My Query is this - I currently live in rented accommodation and my Boyfriend wants me to give up my flat…
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Bankruptcy Question
My Partner & I have around £38,000 in unsecurred debts. We have no assets and privately rent a house. We have 4 children aged 1,4,13 & 15. Our only income is state benefits as my husband is disabled and gets DLA. We have an appointment with the CAB at 9am on monday morning to discuss our money issue's. I am going to ask…
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Early discharge on a VERY big debt
hi all, most current posters wont remember me, Ive not been around since March but wanted to come by and tell of my ED on 5th Aug, 6 months to the day from BR date :j :T :D I had a HUGE debt and like many other posters I see, I always thought I would be penalised much harder than others with lower debt and it was that that…
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What a surprise!
My husband was outbid by £9 for something on ebay so he looked at his online bank statement and noticed £2,000 paid in from WTC and CTC that I applied for recently!!! I can pay the mortgage this month! Yippee.:j :j :j I think I'll buy a lottery ticket tonight.
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Bankrupt yesterday. no bank a/c and general panic taking hold.
Hi, i had my bankruptcy hearing yesterday. fool that i am thought i would stroll into the nationwide today, tell them all and open a basic account in ten mins or so, feel a bit embarrassed and be on my way. ho ho ho! seems nationwide no longer offer bank accounts of any kind to undischarged bankrupts. even if they did it…
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Shocked by my OR ... but in a good way!!!
After my telephone interview with the OR back in May, I was sent a figure of £199 for an IPA payment (which equated to £332 surplus per month). This I didnt agree with - so sent a letter with more evidence - suggesting that I could pay £122 IPA payment (£244 per month surplus) ... ... and they've agreed to it!!! I'm in…
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Really need some guidance..
Hello all, I hope some lovely people can point me in the right direction... Things have got so bad financially for hubby and me, i feel we have to consider bancruptcy as a way to move forward. I am now on antidepresents and he has started to have fits in his sleep, because the pressure of the debts has mounted to an…
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Benefits backpayment
After a quick search, I'm not sure if this question has been asked before, so forgive me if it has. I have recieved notice that the IR are going to pay me some back pay of child benefit, around £1900. Does the OR get this or can I have it? Simple question I know...............LOL Shrek
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equity
if my daughter sells her house at the cost of the mortgage ie comes away with no money from the sale at all. but is left with £80,000 of debt from elsewhere and so declares herself bankrupt will the fact that she has sold the house with no profit be classed as disposing of ones assets?
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Co-op Refused Bank Account
HI. Advice please - has anyone been refused a bank account with co-op. We are not yet bankrupt but being chased left right and centre from banks, credit cards, repossession. Hubby applied for cashminder account but has been refused. Anyone any ideas? He really needs a separate account for work expenses so i know and he…
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Insolvency Practitioner Fees
Hi, Just wondering whether anyone else has ever paid an Insolvency Practitioner before to help with filing for bankruptcy? We're due to file the petition next week but someone has recommended an IP to us but he wants £500.00 from each of us for fees plus court fees etc.., What is it they exactly do? We havent got anything…
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Confused
Hi all. Am confused as to whether child benefit and tax credits/working tax are classed as an income regarding the i/e soa forms. We have had help with our form filling in from a non-profit debt counsellor. Like i said we are just confused!!!!!!!! Sorry to bore you all but think we need more help-surprise surprise Rent 520…
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Income/expenditiure Posted
HERE IS MY I/E FOR ANY HELP WITH TWEKING (all per month) Rent £700 c/tax £120 gas/elec £150 water £58 tv lic. £11 food £600 car expense £150 clothing £140 hairdressing £40 maintainance/csa £240 house/life insurance £80 holiday fund £120 mobile phone £50 landline £30 total £2369 INCOME from wages and benefits is £2529 Have…
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Cars & BR
My car is worth about 1K and I am really hoping that I'll be able to keep it. Does anyone know if occasional hospital visits for a child would be likely to help my case? Thanks :)
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Something else that's niggling me a bit
My nan died when I was about 14 and I'm sure I remember something about her leaving me some shares (I doubt very many) in trust with my dad till I was 21. For a little while when I was a teenager we used to get the odd statement and cheque for about £3 come through the post from someone or other (might have been British…
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Question re CC company selling my debt
Hi there, 1st post for me. I was delcared BR in June (Scotland), still getting the occasional letter but sending them the BR certificate and a letter seesm to be stopping them. My CC co sold my debt to some scum collection company 11 days after I was declared BR, and I got my first letter from them yesterday, phoned them…
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Council tax arrears from previous property
We owe about £200 in council tax arrears from our old flat that we moved out of in April- it's a diferent LA to the one we live in now and we are up to date with current payments for this LA. Can these arrears be added to our BR debts or are council tax arrears exempt from BR? Thanks x
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Company season ticket loan
Hi, Where I work, one of the benifits is a season ticket loan. They take the monthly payment direct from my wages. I have one at the moment, should I list this as an unsecured creditor? I'd much rather not as I don't want my company to know. I only have around £100 remaining. Also after the BC, can I take another season…
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Getting along nicely.
I posted here a few months ago when I was in a dark dark place. I had some top advice from some of the posters on here, and the support was tremendous! I am now over 4 months into my BR. I had a 15 minute phone interview with the OR who was also brilliant. He has written to me just the once so far to ask for more payslips.…
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How's your OR?
Hi Everyone, I'm soon entering the eighth month of my BR. Had one letter and a very short phone call up to now. Apart from that nowt. Of course, I'm hoping it stays like that until the 19th of December when I get an AD. I reckon I'm being looked after by the chap on the right. Glad to have avoided the other two! have a…
