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Early Discharge
Hi everyone Have not been around much of late but still visit the site when I can, I just wanted to share my news .................. EARLY DISCHARGE :rotfl::rotfl::rotfl: Got the letter this morning, was a total shock was not expecting it at all. I wanted to thank you all for the great support you gave me through a very…
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Late in the day blonde moment
Hi, Just trying to work out or monthly expenditure to see what amount the OR will consider 'surplus' for IPA. We are currently paying £150/ month on credit cards (min payments, of which only £20 is off the actual balance :eek: ). Is this classed as expenditure or not ? If it is we have just £140 surplus and can prob get it…
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urgent qu re-BI
i've received a letter from OR asking if i want to buy BI, if i say no now what will happen? there is a little equity, prob 10k, so is there a chance they will write back and say i need to look for somewhere else to live? if they did this could i then turn around and say yes i'd like to buy the BI? as house prices are…
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OR INTERVIEW 17th FEB - FACE TO FACE!!!
We received our BR packs this morning - all the usual forms but on the letter from the OR office (the one you sign to return and one you keep) it asked for 12months Bank and Credit Card statements. Now that's no prob re the bank - got it all online but I have ordered anyway, but I never keep my Credit Card statements once…
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IPA Income and Expenditure
Does anyone have any ideas on figures that they allow for expenditure with the mortgage rate going down we have more of a surplus but when we had OR interview in November they said that a IPA may not be set or will be looked at again before discharge due to my hubbys illness and that he has only just returned to work but I…
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CCJ status after br?
Hi all, I went br 30/01/08 and was discharged 16/07/08:beer: . Just started looking at my crfs as last year was a very long year, spent most of it in hospital after having a premature baby. All of my enteries are incorrect and so far, I have sent letters to them all. First one I have heard from is black horse, who are…
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BR issue with Father in Law & Husband
Hopefully you can help me. My Husbands Mum and Dad are about to enter into a DMP or Bankrupcy, currently working through the options. My husband has a credit card under his dad's name (he is the second cardholder). There is currently a balance of approx £5000 on this card, some of this is my husbands and some of this is…
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Nil Tax Code
Hi, myself & hubby went BR in November due to his illness, this week we have recoived a letter from tax advised that nil tax code applied but employers are still stopping the tax, spoke with OR who said that this correct and Inland revenue will pay OR is this correct
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handing in the keys
Hi, maybe someone will know how we stand with this one. We are going to finally go for bankruptcy in the next 10 days and we have already moved out of our house and intend to hand back the keys. Our in laws dont have heating in their home and we have suggested to them that they could have the boiler and radiators from our…
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Utility suppliers
I get my gas and electric from British Gas, do I have to tell them when I'm BR or just keep paying them? Virgin Media provide my phone, cable TV and Broadband. Same there, keep paying or tell them. I owe money (about £400) to Wessex Water, if I tell the OR what happens to the new water bill?
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Go BR or not?, how does it affect my partner.
My partner of 6 years has recently been made reduntant and has "signed on" for dole money. He has been living with me for about 18 months and has debts of 35k which untill recently he was just able to meet payments. He has been advised by cccs to go Bankrupt, but is worried how this will effect me. He has no assest, the…
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Redundancy and IPA
I posted this in Redundancy board but was advised to try this board so here goes... To cut a long story short, I declared for bankruptcy last year after some difficulty with paying the mortgage (with 3 partners who went AWOL leaving me to tackle the whole mess, bad legal advice, etc.). Since then, I have been discharged…
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Not sure if you know this
Just been reading a thread and realised that many people might not know this but... If you want to do your shopping at tesco online you can open one of their basic saving accounts and pay for it on this. You do have to put the money on it in any store or you can if you are able set up a direct debit to it weekly. I always…
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BR/DRO Surplus & Jt debts
Hi, I am looking at the option of going for a DRO in April should it all be rolled out by then. Two questions. The surplus before IPA is £99 for br & proposed £50 for DRO. How long is this in place for? Is it just until discharge or for the 36mths to allow for any future ipa's? Secondly with regards to jt debts, do you…
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where do you start
I own my own company which has seen the turnover reduce by 75% in the past 9 months. Despite reducing overheads and staffing levels the turnover is just not meeting our income requirements. For example we have not paid ourselves since November 2008. We have put our house on the market offering a house swop in an attempt to…
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Trustee
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Amounts owed to creditors? When filling out the forms?
Hello everyone, just a few questions for all you guys who have been there and done it! I am doing all my forms online. These forms are driving me crazy but here goes.... When entering the amounts owed to creditors is this the amount initially borrowed or the amount to date including all interest incured or do i enter a…
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My wife's been offered a job
Hello again. My wife (who isn't bankrupt) has been offered a job teaching in the local school as maternity-leave cover. Her income, therefore, for a few months is going to go up. However, with me still self-employed, our income is still variable. Do I have to inform the OR of my wife's job (if she decides to accept)? If…
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Reduced full & final settlement
Morning all. The only debt my wife and I were left with following my banruptcy last year was the joint current account overdraft of £5000. The bank (HSBC) have now written to my wife demanding either full repayment of the amount, or a satisfactory repayment proposal. My wife has an Egg Card with 0% until well into next…
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Court on monday, bit of advice needed
hello Filled in my SOA but some of the debts i do not know the reference numbers address etc. Will they kick it out because of this. I havent spoken to some of my creditiors for 2 years!!!! Also what if i go bankrupt and i forget to put some of the debts in? Can they still chase me!! Help
