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How long after OR interview?
Hi all, how long after OR interview does it take for them to get in touch with you again re car, and anything further that they are looking into? Mine was 2 weeks ago, and I have been waiting for a letter on my doormat every day.Is no news good news?
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OR interview - advice please?
Hi everyone, My OR interview is on the 16th Feb - can any of you advise me how to tackle the following..... I do not receive my Council Tax bill for 2009/10 until the end of Feb. It is said to be +/- an 8% increase on last years bill. My HA rent always increases on 1st April - last year it was a 6.5% increase. We are…
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Going BR 5th Feb - Final SOA
Hi All, I am posting my final SOA as I am going BR next week. Any comments/advice would be most appreciated. My wife is going Br at the same time and her SOA is the same as mine. My SOA Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars…
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NT Repayment
Hi, I've had an NT tax coding for the last few months but I'm still not clear as to how the monies are to be repaid. I read the information :eek: but I'm still confused. Do they ask for it back in one lump sum? Do you pay it back under an IPA? I'm now retired and still waiting for the P45.....a very inefficient County…
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Scared N not sure what to do!
Ok Ill try my best to explain! My husband and I live in a housing association home, which we pay rent and council tax on, We only have one low wage coming in a month (around £700) I have looked for work, but in our area there is nothing unless you have experiance or drive, but I will keep looking! Yesterday I sat down to…
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Does it matter who makes you Bankrupt?
I've been toying with the idea of making mayself bankrupt for about 8 weeks now- i even ended up at Slough court with all the papers, SOA, Fees etc etc about 6 weeks ago, before being told that they couldn't deal with it as it wasn't their jurisdiction. Anyway, its getting to the stage that HMRC are threatening me with…
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If I get a job will a IPA change?
Hi all. Just with regards to going BR. At the time of going BR I wont have a job but afterwards I will get a job. I assume since my only income is JSA they wont be interested in an IPA so it will be written off. If I get a job say, 3 month after going BR will I then have to have an IPA set up? Many thanks Ash
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New SOA
Hi All I am going to post a new SOA later but need some help. I am currently BR and not on an IPA. I have recently changed jobs so going to inform the OR. My partner is due to start maternity leave this month so do i have to enter her maternity pay into this or leave it blank as she wont have alot of money left after…
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My final SOA how does it look
How does this look,im just finished filling the forms in online. This is based on me recieving JSA,ive had to cancel everything to do with my car,i give my parents £140 a month(thats all i can afford at the minute) I havnt submitted it yet,i am waiting for your final thoughts!! Statement of Affairs and Personal Balance…
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Income and expenditure please help....
Yes this time of the year again, I have been sent a letter to state my incomings and outgoings...Im a single mum and i dont have alot but they still take at the monent £100 a month off me. What can you get away with putting on your income and expenditure so they wont take so much as im really struggling to cope just now,…
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Starting to get really down now
I phoned our local county court for our papers, advice etc on Monday and it still hasn't arrived! :mad: Tried ringing CAB ALL WEEK! and it's either engaged or office closed which according to their website it is open.......... OH just wanna get a meeting to sort everything out and a clear idea what will happen...... sorry…
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IPO payments
Hello Can someone please advise me. I am going bankrupt and moving to my parents address. I take home approx £1600 per month. What can i tell the OR my bills are??? Obviously i will be paying board. Do I pay my parents £1000 per month??? I know i cant lie to the OR. I also pay my ex for my daughter. What about general…
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Please Help Advice Needed
Please help with any advice possible. Going back to my thread on £40,000 to pay for my expartners bankcruptcy 6 years ago. I am so mad he has put me in this situation due to his addictive gambling behavour which i put up with for 22 years. after explaining in previous thread his creditors have won and request me to pay the…
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ISA with CO-OP.
Hi all. I'm emailing regarding a thread from several days ago from a MSE member asking about ISAs post BR. I contacted my CO-OP bank yesterday morning as I was unable to log on to internet banking, that was swiftly sorted. The telephonist asked if I would be interested in an ISA, I replied I opened the account as I am…
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Stafford OR
Morning, Court date set for 4th feb stafford crown court anyone had any experience of this court or the OR in stafford.. cheers
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Nil tax IPA increase and backpay questions
As you probably know from my other posts, my wife's pay has recently increased. Obviously as my wife's pay has gone up, I would expect her contributions to her nil tax IPA to increase too. I've never been sure as to what level of responsibility BR's should assume here. Should we be pro-active and pay what we think the tax…
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Work in Progress Statement
Hey, below is my work in progress cause of BR statement, could I have some feedback please. Thanks (looks a lot but only 2000 words) I realised around October 07 that I was not able to pay back my debts. I had been borrowing off credit cards to pay for everyday living expenses and servicing my debt. The main bulk of my…
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Platform 0 - Train to Bankruptcy!!!!!!
Hello Hey hey My cashminder card arrived today, registered online banking, its not bad at all, gunna transfer my balance tomorrow (card looks a bit tacky but hey Im a bankrupt almost!!!!) Rang WFTC, made sure they have got my earnings right, and that they are not paying me too much (thats a first!!!!!!!!!) Got my pre-check…
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Terrified to ring business landlord!
I really feel sick at the thought but just so you know why, The lease for the business premises have been dragged out for so long! We have traded for 18 months, expanded and then cut back down in size. Now the Landlord is pushing for a signature on the lease. Now I cant sign it as I know we have to go BR very soon, but I…
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anyone used wigan county court to go br?
calling up 2moro for an appointment so just want to know what theyre like! did u have to wait around all day? did u have to wait for an appointment wks away? are they ok when youre there? any comments gratefully recieved!!!
