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RTLU on Insolvancy website and a few questions! - UPDATED
I've just looked on the insolvancy website as I needed the address of the OR office to send them something and its changed to RTLU Southwest. What does this mean? Do I continue to inform my OR office of any changes? The guy Ive been dealing with is so nice and helpful! One other thing, my H has now got a job and will be…
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Taking a gamble
We have been in rented now for two years with a private landlord and never missed a rent payment, they have always been on time. Hubby becomes discharged in March (cannot wait). Decided we need to move as area we are in is not the greatest. We are putting in our application today for a house. We have admitted bankruptcy on…
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Mobile Contract listed as a debt
Hi all, I have two mobile contracts id like to include in my BR. How do i list these on the creditor section, should i contact o2 and ask them for settlement amounts or just multiply the number of months left by the line rental and list that figure. All help is appreciated. J
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Is all I need to do the Statement of Affairs and a Debtor's Petition?
Just curious. I phone my local courts and checked the lead time on petitions. Is the Statement of Affairs and a Debtor's Petition the only form I need to fill out?
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Couple of quick questions
Hi , I am just putting the finishing touches to OH online forms and would like to know if this reason for the cause of BR sounds ok ? I took on more credit than I could afford and started borrowing more to pay off others and to pay for day--to day expenses. which spirelled out of control . My wife became very depressed and…
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Still being chased post BR
I went BR early December '08 and although I informed some of my creditors myself, I decided to let the OR inform the rest. I am still receiving calls from those and now there is a new one calling - Allied Int. I am guessing that they have bought one of my debts and are chasing...more fool them. Firstly, should I just leave…
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Co-op ISA - UPDATE
Hiya folks, Has anyone has any success opening a co-op ISA. I just phoned them on an unrelated subject and the guy said I was eligible for one. The conversation went: Co-op Man: I see from your file you're eligible for one of our ISA savings accounts. Me: Surely not, I am bankrupt. Co-op Man: People with far worse on their…
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Any one else have these problems post BR?
I really am beginning to feel persecuted now:D Declared BR Nov 08 - british gas then wrote to me closing my account due to bankruptcy despite me not owing them any money - apparently this was a new thing:rotfl: Now, I'm still waiting for my CB and Tax Credits to be put back in payment. CB head office apparently need to…
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Wnich benefits are counted as income?
Sorry for starting yet another thread, but I thought it might be useful :) As explained in my other threads, my hubby lost his job in October. He couldn't find anything so applied for Carer's Allowance as I receive DLA. He applied for Income Support, but as I get an age addition for my Incapacity we were on the threshold…
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IP0/IPA Confused (?)
Hello There , I had my OR interview last Monday and at the end of the interview the OR said that he needed to check whether I would need to make payments. I was certain I would as I have quite an excess left at the end of the month. I received an IPO form this morning and they have asked me to list my outgoings AGAIN and…
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BR foward planning question - wages
as mentioned before I will more than likely be going BR in the next month. Im just worried about wages and frozen bank accounts! is it ok to have my wages paid in to a family member account i.e mum/sister before the OR freezes my account? edit: ment to ask this before my house is due to be repo'd om the 5th feb, do i have…
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Questions about bankruptcy - and claims against me
I was thinking of going bankrupt last year towards the end of last year at least, and the cost of actually going bankrupt and the finality of it, put me off. More recently I have written to all I owe money to after consulting with CCCS, and a solicitor - and made offers. As I'm unemployed many are unwilling to even accept…
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Filling forms online right now and im stuck
When listing unsecured creditors, do I use the original dresitors name, or the solicitors chasing me, or the company that the debt has been sold to? Many Thanks for every ones help
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Finalising forms - quick question
Who's soa should my childrens things go on - out of school activities, haircuts, clothing etc? Mine, my wifes or both?? My wife gets their child allowance. Thanks
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Advice for a newbie please
Hi, I’m new to the forum but am always on here. I’m feeling pretty foolish right now, realisation has caught up with me. For my sins I’m a debt adviser but obviously not heeded my advice very well. I sat down and went through my debts, like you do in January and can see problems just around the corner. My debts total about…
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Phew OR interview was this morning
Well as title says phew both our telephone interviews were this morning mine was first and oh after that terrible sleepless night it was fine he was a lovely man i was on the phone for 50 mins he was quite thorough but i was a bit rubbish with why and what i had my credit cards for (there were 9 of them):eek: i explained…
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It's over!!
Hello. The editor here. First of all, I would like to say a big thank you to all the lovely people out there who gave me advice up to and including my BR. I went BR in January 2008. The 14th. As of the 2nd of December, I am no longer Bankrupt!! I got a letter in the first week of December that I only just got as it was…
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OR interview today all done and dusted!
well that's it now all done and dusted 1 1/2 hrs on phone went through the soa thoroughly and was lovely asked about a few little things that i was worried about allowed me to keep my car citroen ax (£100) as it for work and will let me buy back wifes car many of you helped me with my soa and he took my figures from me, he…
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fees
I am sure that someone posted if you are on incapacity you dont have to pay fees but it is not mentioned on the exempt form. It states that if you are not on any listed benefits you have to pay or go to another section about incomings and outgoings. And When do we have to pay the fees? I thought you had to take all…
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Okay Help Everyone - Going to start the ball rolling tomorrow
Right now Im on a mission My local court appears to deal with Bankruptcy it is in Wakefield, West Yorks, so what do I do, should I go there tomorrow? can I go and book a date?? Do I need to take some money, do I need to download some forms to take with me? Im not letting another day go by without taking any steps. I need…
