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Work related
Much to my relief im not losing my job now alougth my hours have been halfed which is better than some, im self employed subcontracting for company i rent a laptop of the company for £20 a month i do not wish the company to find out about BR will the OR cotact them any way, ive never defaulted on a payment with this
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transfered?
does anyone know why my br has moved? it was with the or in northampton and today got a letter saying it was now being delt with by the insolvency office at ipswich is this good news?
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Magic guideline to calculate outgoings?
Hi, I am sitting here trying to work out my outgoings for section 7 of SOA form :mad: . While it is straightforward enough for costs that dont vary each month eg. rent, council tax, how do i work out how much to put down for things like clothing, housekeeping and holidays? I've read a few posts here but i want to know if…
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OR Interview next week.
Nearly there, phone interview week after next! I have had my pack, but it only contains an ethnic monitoring form, a form that has to be witnessed and a permission form to HMRC. It hasnt asked for any business accounts, or bank statements? has anyone else had this problems before as i cant see that they will get the…
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What do I need to do?
With 9 days to go before BR hearing can someone tell me what I need to do and what paperwork I need to take to court. I'm being made BR by Vertex Data so they are picking up the tab :D
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Will OR inform council of bankruptcy?
If you're a council tenant will the OR inform the council that you have gone bankrupt and if so does anyone have any experience of what the council's reaction might be? Not sure if it makes a difference but I've never had any rent arrears and my c.tax is up to date however I don't yet have a secure tenancy as I have been…
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CCA help !
Hello, After being advised to go BR by CCCS, and posting on here someone recommened I send off for copies of the CCA for the credit cards I owe, got the first one back today from one of the credit card companies which is a photocopy of my original application form which I signed in 2005 plus 2 sheets of A4 paper which they…
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Help: court date is Wednesday!!!
Being made bankrupt (presumably!) on Wednesday by creditor, which in a way is a good thing as it should release me from a business lease and the associated business rates which it has been crippling me to pay for the last few years (sale of property fell through a couple of times, property now worth diddlysquat so more…
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My Car & Bankruptcy
Hi All I've had some great advice from people here over the last week and I was hoping someone might be able to give me some advice about my car. My car isn't worth much, in fact I'm not sure I'd be able to find a buyer because the car will need a lot of work done to it within the next year or so and I don't think I could…
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what does the or want to know????
ive been reading lots of threads about when u spk too the or after going to ocurt what exactly do they want to know? what paperwork do they need to see, if any? do they want to know how your debt has been made up? so will they give me a grilling about what ive spent per month and where ive spent it? i only have my house…
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help again confused
hi i sent a message the other day that i was thinking going bankrupt i now know that ive got to go bankrupt as im going to have live of £67 a week and this is no where near to 1 bill a month i have, i have phoned cccs and they have advised me to just wait as i was on a iva (i paid 1 payment ) to wait for a dissmissed for…
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new job!!! whoopee do i need to tell br?
hi everyone i have been offered a new job today after a long jobhunt. i went br 21.1.08 so i have just passed add.do i have to disclose? i have a bru 5 yrs will it show up on a crb check? thanks
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My BR day - from start to finish
6.45 and the alarm sprung into action. I had hoped for a gentle start to the day, but my children decided otherwise! It was probably better that way, as I was so busy getting them all ready for school I didn’t have too much time to ponder my fate. My appointment was at 10, and although the court is only about a 15 minute…
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Going BR - but keeping house
HI, I know I should look through all the threads but could some kind soul save my frazzled mind. Got £26k debt on c.cards - all non secured. Neg equity on hse of approx £11k - mgage payment of £968 & all SOA's we've done for CCCS, CAB, etc have shown we have a monthly outgoing deficit of between £100-200. So been advised…
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Had OR interview today, confused.......
Hi Everybody, Me and OH did the deed on Monday, the court experience was fine in and out in an hour could not believe it. Relief.... Had interview today, the lady was very pleasant, however she did say that child benefit was taken into account for the inc/exp. Also my wifes interview is on Monday, her car is needed for…
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HELP! Br & Renting - are we panicking too early
Hi - soz, mega long post as usual! Ive posted threads before and probably asked sme questions before (so apologies to the kind people who have already replied) but my OH and I are getting ourselves into such a state about Br. Our papers are ordered and our wonderfully helpful CAB advisor is helping us to complete them on…
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Car Auction Prices
Here is a link given to me by our salesman at work: http://www.wisebuyers.co.uk/motoring/used-car-prices/ Just checked my 04 Mondeo Ghia and its well below £2K. I'm going to argue this point with OR if they say I have to sell it. Hope it helps.
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A Big Thank You
Hi all, I have been reading threads for newly a year! Have just found the courage to post. I found myself in a huge hole financially after a long illness. The bills kept coming and the debts got bigger. I read all the sound advice and after much soul searching I declared myself BR on 5th Dec, 08. For anyone like me who…
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help!
Im due to br on the 5th march. Ive been told that the office where i work is to be closed aswell this month which also means im out of work. The industry im in i can get a job fairly quickly again so isnt a major concern. What happen if i havent started my new job before the haring?what happens to any ipa if there was to…
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owed child support
Should I inform my trustee that my ex has not paid child support for our daughter for the past 4 years? Will he be remotely interested in this?
