-
Changes to income once Bankrupt and SOA
I'm planning to go BR in hopefully May/June of this year (saving up for fees). At the moment I'm holding down 2 jobs (53 hours a week) to try and keep my head above water and believe me its killing me, not to mention not spending alot of time at home with my son. What I need to know is although at the time of going BR i…
-
IPA/IPO Contest
who has had the fastest IPO set up from Interview with OR till first payment? and who's had the longest?? There is a prize promise;)
-
advice needed plz regarding volutary repossession & bankruptcy
hi ok i will start at the begginning. my husband & i bought our house 5 years ago. last year we finally gave in and moved back to my parents as we couldn't cope with all the bills. we have still been paying mortgage, reduced council tax as the house is empty, water, electric & gas. we have also been paying other debts that…
-
Just been to CAB.....
....but i'm still unsure of a few things , please can someone help. From the advise we got and other advise we think the best option is bankruptcy. We currently have a mortgage and a loan secured on the house (also credit cards and overdraft). We have got somewhere to rent and move in in a week or so. We have had the house…
-
Yet Another Inheritance Question - or How Unlucky am I!?
Hi there, I owe the tax man about 35,000 and they are, I think, about to try and force bankruptcy on me. This wouldn't have got them very far as house is in negative equity and had very little else of worth... Until, that is, my mum died after a long illness. Not unexpected. Now, after a few weeks, I can estimate my…
-
Computer Says No !
Hi all, Sorry ive been off the 'air' for about 10 days or so, my computer has blown up, new one should be installed by weekend ( im on work computer at the mo !) Just to let those know who are awaiting replies to their pm's I shall get back to you as soon as I can. Thanks. DD
-
Skintsteve's OR Interview.....OVER
Hello! Well what can i say?..... The phone went at 2.00 o'clock on the dot, and i was greeted by a very nice lady indeed. We went through the declaration etc, and then started at the beginning of the forms. She asked if any amounts had changed on the forms she had, and i just told her that the co-op account balance would…
-
Early discharge
Hi Everybody, I have just received my ED and I am chuffed to bits. Thanks to everybody on the forum. Phil:j:j:j
-
Can't book a BR appointment that far in advance?!
Hello All Just called my local county court (that was nerve racking alone!) to see what system they operate. I have to book an appointment, and I said I was hoping to go BR end of March (this is the soonest I'll have the fees) and she said it was too far in advance to book so I would have to call back end of Feb. Is that…
-
Business Bank Account
I posted this previously on IVA board but that board doesn't seem to get that much attention so thought I would post it on here too in the hope that maybe one of you guys can offer some advice. I am pre IVA and need to open a very basic business bank account to enable me to carry on trading does anyone have any suggestions…
-
Question about repossession
Hi Guys, I spoke to the CCCS yesterday and I've now decided I'm going to take the br route. My only problem is I have a mortgage with an ex-partner and he's no longer living in the property. I've decided that I'm going to leave the house and include the shortfall for me in the br. The CCCS suggested voluntarily…
-
Marriage after BR...
My partner and I were both declared bankrupt earlier this month. We had a real tough time of things in the build up, as I am sure everyone did. My OH borrowed a ring off of his mum and proposed to me on Xmas day and it was the best news I could ever have hoped for, it cemented our relationship in what had become a really…
-
seoarated from my husband and he is going bankcrupt
Hello Can anyone offer me any advice? I am separated from my husband and he is going bankcrupt. Myself and my two young children live in the house I am paying the mortgage, bills for the house and all costs for the children. We have a mortgage in joint names with approx £20K equity. My husband has £50K of unsecured debt.…
-
Paying into a company pension scheme and BR...
Early last year I had the CSA make a very large deductions of earning order upon me (for a period of two years). I thought I could ride it out and one of my means of doing so was to stop paying into my company pension scheme... though I intended re-starting when the CSA DEO ceased (Jan 2010). The pension payment was…
-
OR just called, NT code and IPA...HELP!
I’m in such a fluster! Just had a telephone call from the OR. He asked me if I had gone onto an NT code yet. I told him yes, and he asked how much extra I was getting in my wages then – so I told him. At the end of the conversation, I asked him where this NT money is paid, and he said “same as with your IPA”. Now, I…
-
Second Thoughts - please help??
All I am on my last days leading to my BR and now I am having second thoughts. Very concise history: I am a single mother of a 3 year old his father bailed and left the country before I gave birth which was probably a good thing, due to the abusiveness of our relationship. My son and I became homeless and were put in a…
-
Re: Any point in carrying on?
I was discharged in June 2005. I have since started a new life and have a new partner etc. I now want to look at a mortgage but every person I talk to states my partner can have it in his name but not with me on it. My credit file is fine as it is not listed so I cannot "clean it up". I do however have to disclose it as…
-
Daft question
Can someone advise me? I went bankrupt in December. DH has debts of 5.5k, his CC and the debts he accrued from me from the joint bank account. I am trying to do a debt remedy for him via CCCS as he works away in the week with no internet access. Anyway, to get to the point, obviously the SOA done for the bankruptcy is far…
-
How does the freezing of accounts work??
My husband has just had a long OR interview (his businesses were involved so not the normal phone call). The OR is writing to every bank account to inform them of my DH bankruptcy and despite my husband asking her to write and say no interest in the Barclays basic account she said she has to send them all information of…
-
Is student loan classed as income or benefit?
My main monthly income is from the Student Loans Company. Will the OR count this as "earned" income or as a benefit? Thanks! L
