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IPOQ help needed
Hi it is almost a year since i contacted this forum and i have 6 weeks to go till the end om my BC. It was thanks to everyone on the site that i got through this year especially at the beginning. I recently received a IPOQ form to fill out which i did stating my income Income £679.60 made up of wages £520 housing £159.60…
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Joint bank accounts
Hi , My husband has his bankruptcy hearing on thurs 22 jan , I am really worrying as we have a joint bank account where my child ben and child tax credit is paid into weekly . Will OR freeze this account if it is joint ? or could we maybe take husbands name off account and me just keep the account ? would OR still be…
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IPOQ help neededfinances and end of banruptcy
see other item
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Council Tax
I got a Liability Order for my council tax for the year 2008/2009. I also got a letter through my door last year saying that a bailiff had paid me a visit (thankfully I wasn't home!!). I thought that if a Liability Order is issued that I would not be liable for any council tax for the whole of the year (ie April 08 - March…
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Cashplus & Using it abroad question
I've tried searching their website to no avail so hoping someone knows whether you have to inform Cashplus that you want to use the card abroad before you do so, or whether it will just work? Thanks
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Looking Good!!
Just a quick update, We have a moving in date, yeah!! Saturday 31st Jan we pick our rental keys and move in on saturday & sunday. Had a draft copy of the rental agreement through, there is no mention of any termination points other than if you dont pay the rent and if you wreck the house. The letting agent is asking me if…
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will they freeze my lone account
Hiya my husband is planing on going bankrupt having been left with no other choice has been told it will take 3-4 weeks instead of usual 3- 4 days, anyway what i need to know is that we have a joint account which I know will be frozen but I have just opened an account just in my name with same branch, is it likely that the…
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probs with benefits going into frozen bank account
hiya had a hairy fit this afternoon as I found my benefits have gone into my now frozen bank account :mad: cant believe it!!! phoned them and they were like oooooh sorry cant do anything about it! even though I had sorted this out weeks ago - apparently its in the process, the irony is that actually I put a request to stop…
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IPO advice...
Hello all, I'm nearly at the end of my 36 month IPO agreement (Hurrah!), Now I wondered if I have to contact the people I pay or can I just cancel the standing order? Does it automatically finish or do they review it? Any advice greatfully recieved...
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What sort of bank/building society/post office accounts can a Bankrupt open?
What sort of bank/building society/post office accounts can a Bankrupt open? Accounts that they can have money paid into? Preferably ones that can be opened in person (not online) & with minimum funds (operhaps £1). I know there is a card account from the PO, but ONLY central gov benefits can be paid into that, NOT local…
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OR Interview
Afternoon all, we have our OR interview booked for 3rd Feb. I have spoken to the lady twice and she seems quite pleasant. I am now so nervous that she will want too many details I can't give her. I mean lets face it, when you start using cc to pay cc and live off then it is all pretty much a blur! I was sure they would…
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New Board - Redundancy & Redundancy Planning
For those that may not have noticed: Redundancy & Redundancy Planning Sad that it is neccessary, but hopefully it will help.
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booked my br date
Hi all i have posted before several months ago and I had to bite the bullet and book my br date. When I rang up they give me the date Monday 2nd Feb at 12 noon, and asked my name thats all. My question is ..... Is that all the details they take? they never told me how much to bring or what forms to fill in, so I will call…
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just had a call from insolvency so guess they are sorting my forms now
just had a call form a guy at the insolvency just checking about my bank accounts so guess they are going through my forms now, so hopefully the few creditors they are still ringing will get lost soon. also that means they will be contacting me about the car aswell so might be saying bye bye to that very soon aswell if…
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Is my car safe?
Hi, I am unfortunatley going to go bankrupt in March when I have saved the money to do so.. I am full time employed and also have a little taxi business which I do at weekends and early mornings. I have a company car for my full time job and I own outright my car which I use as a taxi. Will they let me keep my car to carry…
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relationship split and bankruptcy.
i just cannot seem to find any details on this topic. Me and by ex split one year ago, and are just starting to solve housing issue out finally! We jointly own a property. Mortgages £127,000 and £11,000 that i have been paying. I am currently in the process of taking over these mortgages and getting the house transferred…
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Reason for Bankruptcy
Hi, I am preparing my SOA ready for BR in February. I have seen that a few people have posted their reasons for BR for examination here. Could you possibly have a look at mine. Do I need to add more detail at this stage? I am no longer in a position to make repayments to my creditors due to a big reduction in my disposable…
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2nd IPOQ anmd early discharge
i don't knwo if it is current practive or nto but in november 2008 i was sent an IPOQ after my OR wanted em to put forward my case for ED.. i have sent back my IPOQ recorded deliiverey they have recieved 2 days latter . but today i received an other IPOQ with the same letter where they asked to send anIPOQ within 14 days…
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TV programme about debt & bankruptcy
Tuesday 20th Jan, BBC1, 22;35, Bust: http://www.bbc.co.uk/programmes/b00h50j7 ''Bust is an intimate portrait of families struggling to cope with personal debts, as the credit crunch unfolds during one of the worst recessions for decades. Like many other families in Britain, Tracy and Melvyn opted to buy their council house…
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Considering BR, but want to protect my wife.
Hi all, I'm sinking into the doo-doo, and am looking ahead to possible BR. Over the past 10 years, I've worked successfully (sometimes employed,. sometimes self employed) and also built up a property (buy to let) portfolio. The situation now is that I lost my job, debtors didn't pay me, and the outlook for new business in…
