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chester OR any dealings?
as title anyone on here dealt with the chester or office got interview monday just wondered what we in for?
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OR interview monday
we have our OR interviews on Monday, and I go before Mr, so im dreading it cos he is better at this sort of thing than I am! Most things are explainable, and we have the lists of creditors, what we owe etc, however we havent taken out any credit etc for well over 12 months, and the OR has asked for dates of credit taken…
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Internet while bankrupt?
Hi, not sure if this is in the right forum as its mainly about utilities, but it is during bankruptcy and needs the advise of people who know more about bankruptcy than phones. I was made bankrupt last year, automatic discharge due in June, at the moment I am connected to the net via pay as you go mobile broadband, but due…
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Question about income?
Hi, I have booked my br date for feb, but a question I have is ....... I work in sales and get commission on what I sell, As this isn't guarenteed income and not the same each month how do I put this down on the forms? Thanks in advance.
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Friend needs help
Hello My friend is in middle of bankruptcy he owes about £55000 when the OR asked about inheritence he said yes but nobody knew how much it was yet as was being sorted out well now he knows and it £300000 will he gets whats left after the paid the debts and the OR fees?
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now Im on the register
I have just looked and I am now on the insolvency register! This in itself does not bother me but what is bothering me is that they have printed all the last three address that I have lived at, one of which is now my sisters home address and I really did not want her address involved. Does anyone know if I can do anything…
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Fast-track IVA ??
Who knows more? :confused: I remember having read that it is a 'one-year IVA' not stretching the regular 5 years yet only accessible to undischarged bankrupts. Not sure if I remember this correctly. I believe the bankruptcy will be revoked if a fast-track IVA is offered and agreed upon by 75% of the creditors. What bothers…
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OH Going BR - Questions
Hi All My OH is wanting to go BR very soon. I already went BR last October and thanks to all your great advice at the time, managed to fill out my SOA easily and am now possibly pegged as early discharge! :beer: However, as is always the case, my OH's own money dealings etc are slightly different to mine and so I have a…
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Likely timetable of events
Hi all, Going to court on Monday to pick up forms for bankruptcy. Once i have filled them out (im expecting this to take a while!) do i just stroll into court and hand them in? Is this when i pay the court charges? Any ideas how long it will take for my case to be 'heard'? :confused: And then time between being in court to…
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First Post - decided on BR
Hi This is my first post so please excuse any errors. I have tried for an IVA - but not enough disposable income left, DMP suggested but if accepted would take 15 years to pay back, I'm 61 now! Have decided that bankruptcy is only way and my wife and me have a multitude of questions. Could someone suggest our next move,…
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Help required
Hi all, ok so I dont want to go over the magic £99 surplus each month but i've just found out my mort payment has now gone down which will leave me with 135 surplus, but i thought the most expensive quarter is here for elec (i have no gas) so instead of paying 60 i cud pay 75 and i've also just found out that my buildings…
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What if I forget a creditor
I ahve had my OR interview and my question is what if I have forgotten a creditor and when I am discharged on 5/12/09 the old debt was to come to light. Can they do anything. Also the debts that have been listed on my soa, can the creditors after my discharge come back on to me for the money and then they take me br.
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Becoming Sole Trader and Nil Tax Code
Hi All. I am planning to go BR next March / April. I am employed and paying tax under PAYE. My question here is related to Nil Tax Code. The lew says that : The NT code is applied to all income earned by the bankrupt after the bankruptcy order date, either until such time as there is a change in the bankrupt's source of…
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Head in the sand partner
Hi I'm posting as I need some advice if possible. I've been with my partner for just over two years now and he owns his own home. About 6 months ago we moved out of the house and re-located due to work commitments. We where planning on renting the house out and that would subsidise the mortgage payments a little, however 6…
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o/t Does anyone have 10-12yo boys
:o Ooops Sorted :D
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Gone BR, Barclaycard are a creditor and opening a Barclays cash card
Went into Barclays this morning to open a cash card account. Told the guy I was BR and that Barclaycard were a creditor. He said "no problem". He started putting my info into the system and it all came up automatically from the Barclaycard. It all went through fine. Left with a sort code and account number... cool... I…
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bit of help
hi just need a bit of help. back in october we went br since that date we have recieved 2 creditors contact us regarding a debt, i didnt write them on my court forms as i thought thay had been paid off. am i right to just send them a copy of my br as all unsecured debt upto the br date is included weather it was declared…
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Paying for court fees.
Hi all, My husband and i are thinking about bankruptcy and have a few initial questions. Do we have to apply seperately and pay 2 fees? or can we apply jointly? I understand the court fees are £495 each, is it acceptable to pay these on credit card (adding to our overall debt) as we obviously don't have a lot of spare cash…
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Joint Loan Help
Hi, I've just found this site via google and joined straight away! To cut a long story short, over 1year and a half ago me and my brother ended a business we ran together, the thing is we had a joint loan of £20,000 which we still pay every month. I've spoke to the cccs and they advised me to go BR ( I owe £54,000) but I…
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Can it really be this easy??
Hi, Just had to join and post, sorry if I go on, but no sleep (again) I just cant seem to get my head straight! I am 38 with hubby and 2 kids. I have worked since I was 15, been with hubby for 20 years next week and been in debt for the last 18 years! I have always paid my way, never claimed benefit til now, struggled but…
