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Budweiser
Hi folks. The forms are filled in and we are drinking BUD-is this wrong-however we do need a clear head for tomorrow-court at 10-think i'll need a nappy! Thanks all J & A
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Life Moves on
The consequences of going BR are often voiced on here and so I would just like to raise a few positive things that have happened to me.* A recent pay rise means that I actually benefit from it now that all my wages are not being swallowed up just servicing my debts. * A backdated payment of this pay rise (it was due in…
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Can anyone advise me re Rule 6.66
Hello to all on the board. I first came to the board for advice earlier in 2008 after becoming bankrupt ( not self imposed). Much appreciated support helped me to settle into the bankrupcy mode and deal with the stress etc. A big thankyou to everyone who answered to my posts at the time. After not hearing or being…
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Hi Guys
Us again! Filling out the forms, but if we put A's 1,688 tax bill down-who exactly do you put as the creditor and where? We are in Brum. Thanks again XX
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Can we sell the house with a charge on the property?
Title says it all - he has been made bankrupt, neg equity... house sale would probably only pay off the mortgage and any BI?
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What Happended With Your Court / Or ??
Hi all, Just wondered how thorough or not the OR was in your case and what was the proceedure at court ?:confused: I went BR having ran a business for 5 years as a sole trader with 3 employee's. This was my experience.......... Copies of paperwork to court nil see the district judge no How accessed the court appointment -…
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IPA/nil tax code issue
Hi Im asking this on behalf of a work colleague who went bankrupt in July and has a bit of an issue with a nil tax code IPA. He got the IPA from the IS last week and they have estimated he will be £270 a month "better off" once the nil tax code is in effect. However- his tax each month is £220, so they want £50 more than…
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Look!!!
:j :j I just got my 4th medal!:j :j :beer:
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Question
Hi chaps-just filing in forms-have got writers cramp. Do we add OHs taxbill on to SOA amount is1688. Sorry to be a nuisance, but thanks J & A
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IPA calculator
D I Y IPA calculator from the insolvency service ! Dont know if youve seen this before, keep practicing till you get it right !;) Income Payments Calculator
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Stressed
Am going to get dressed-then we are going to fill the forms in-headache looms!!
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ED - bank statements
After the OR puts you forward for ED, do they want to check your bank activity
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BR Update
Hi all, Just thought I would update you all on my BR. After OR interview I felt a little down, not sure why just the stress of it all I think, since then I have had a letter from OR asking for some info on my time with CCCS and the forms to sign for IPO. My landlord has had a letter regarding my rent etc (all standered…
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Rent before BR and stop paying mortgage
Hi there just wondering is it worth renting before going BR we currently have a mortgage house and the plan was to not pay the mortgage for as long as poss to save up some money. Is this a good idea? Should we rent before BR as if we say rented somewhere for 800 and the OR said that was too much do they do that? Can they…
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Coucil tax
Hi guys-Jo again!! How can we put Council tax arrears on our SOA? Thanks
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Should I stay or should I go...?
Hi all Having established that my new landlord will take the bankruptcy clause out of my tenancy agreement (yay!) we have a date to go and sign the contract...and now I am scared if we are doing the right thing or not. Our intention was to go for vol repo as we have been unable to sell and the current mortgage is a…
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SOAs
Hi folks-another question-i'm sorry! We SHOULD be in court Tuesday morning-apparently IT will provide the funds. Anyway my latest question is-we have seen a non-profit debt counsellor in Brum who has been wonderful, and has filled the forms in for us. However having been on this site for a few months now,andposting a few…
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IVA advice
Hi all, I am currently in an IVA a few months in now, but I have struggled to make payments on time in recent months. I know the next step is bankruptcy, but I would like to know what happens next. I own my own house, but I only own 70% of the home as I entered a shared ownership scheme with a HA. What would happen to the…
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Form EX160 help
I have filled in form EX160 in as we get income support and we would like to apply for fee remission. What do you need to take to court with you to prove you are on benefits? Will a letter from April this year that states how much we get and how often be ok? or does it have to be more recent? Also do we need to provide…
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A few questions ...and worries..pls help!
Hi - I just wondered and am quite worried....in my attempt to manage my debts I recently applied for a credit card so that i could do a balance tfr...anyway, Im not entirely sure I stated that I had a loan in addition to the 2 existing credit cards I stated I had.....would the creditor say that theyd never have given me…
