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Soa Final Draft - Single Person
Hello again :) This is my final draft of the SOA, i live with another person so the numbers for the household bills are about 52% of what the monthly cost is. Will the OR ask for statements and bills to confirm my figures are correct? They are, but i dont have my gas and electric bill yet, we have only been here 3 months…
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Right all sorted!!!
OK, 3 x forms printed out for me & OH. 2 x Envelopes with £495 each:eek: . Can of beer and watching the tv with my OH. Not alot i can do now, forms submitted online, so will try and get a good nights sleep, and we'll be at court for 9am tommorow. Praying all goes well for my wife's (and mine) sake. Im on half a day…
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My brand new Co-op account - already a blemish!
I can't believe it....... Beware all those of you opening a new account and transferring d/d details. The story - I opened my cashminder account in late Dec ready for BR. I have transferred all my d/ds over and ALL except the TV licence are starting on 1st Feb after my wages go in. Sky said that they wanted paying as soon…
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private landlord
Hi Everyone This is my 1st ever post ever any where..!!! Going BC on 30th this month jan.. takeing over new private rented property on 1st feb not moveing completely for about 2 weeks ish...dont want new LL to know so will it follow to new address...?? I dont mind as long as new LL doesnt know..Hope ive made sense..? Have…
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Official Receiver Interview (Brighton)
Hello There, I had my OR interview yesterday by telephone. Although I felt the same stressed feeling as I felt before going to court. It was really ok. The interview lasted an hour, with alot of probing questions as to why I got into debt etc (I guess as far as what is asked, it depends on the situation and the OR) He was…
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Bankrupt going abroad to travel & do non-paid work
Hello all I have been Bankrupt since April 06...Paying a reasonably hefty IPA each month since then. Since then I have also got married. My Husband works in the housebuilding trade. He has recently been made redundant for the 2nd time in 5 months and employment is looking bleak!! Although we don't have huge savings..We…
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Difference between IVA and DMP.
Hi fellow debtors! I had a telephone conversation with CCCS last night and have been given a telephone appointment with one of their debt counsellors for 26 January for them to advise about my debt problem. Before doing so, could anyone tell me the difference between IVA and DMP so I can understand this before speaking to…
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Ta Daa
Hi Everyone, The good news is we got offered our rental house today!!!! We are moving in on the 31st January/ 1st February Such a relief!! Now the hard work begins!!
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Bankruptcy
hi there i am just about to go bankrupt and was wondering what happens when i do my tax return, some one has told me that i don't have to pay it is that true. if the bailiffs come can they take my sofa etc thanks
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Opening A Co Op Account Before Br
sorry just feeling very confused at the moment:confused: i am going br when i have saved up the fees am currently failing an IVA at the moment as when it was set up we were all ok and then had to move, rent doubled ,council tax went up etc ......... also court wants the IVA failure form my question is do i set a new bank…
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Done and Dusted
Well we have done it. As of 10.25 am we are BR :j It must have been the quickest BR ever. We arrived at Court at 9am this morning and the clerk came to see us at 9.10. He took us to a small room and went through both our forms. This took 10 minutes. He took our money and said thats it come back at 2pm. He said you do not…
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Is this a record?
I have just been informed that details of my Bankruptcy were published in our local paper last Friday. Nothing strange about that - except that it is TWO YEARS AND THREE MONTHS AFTER MY BANKRUPTCY and TWENTY ONE MONTHS AFTER MY EARLY DISCHARGE. Anyone beat that??? :confused: :rotfl: :rotfl: :confused: :confused: :rotfl:…
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Redundancy while undischarged
Hi all Well as redundancy looms in the motor trade another question. If you are advised of redundancy in the offing but it will happen after discharge date, do you have to tell OR?:confused:
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have i been released from my bankruptcy
Hi all i was made bankrupt in 2006, will i have been released from my bankruptcy by now even thou i am still making payments.Ive never had a letter to say i have. Thank you.
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Default Dates Missing on credit file
Hello There I wonder if anyone can help me? I went bankrupt in March 2007 as I had a number of old debts going back right back to 2002. I was discharged from BR in August 07 and sent letters to all my creditors asking that they mark the accounts as settled and the balance as zero. My creditors have done this but I notice…
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Info for IVA was wrong on insol service site
I noticed last week that under my name on the insol website they were showing both my BR, and my previous IVA still as current. This failed last summer, a couple of weeks before I went BR. I clicked the link on there to say there was an error, and after a few emails back and forth it turns out that this was an error on…
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H Has got a job!!!
Yippee, My h has finally got a job after 8 months unemployed! Its only working in a supermarket but hey, its a job! So I obviously need to inform the OR about this, is it up to 21 days after he gets his first pay packet? Also, he's only going to be earning around £700 a month, I earn around £1500 a month so on my new SOA…
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bankruptcy & avon
I was declared bk on 5th Dec 08, so im only a month into it. I was just wondering if i would be allowed to be an "Avon Lady" Ive had a meeting with the area manager & you are basically your own boss?! Any advice would be welcome xx
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SOA's - a couple of questions
Hi everyone. We (my OH and I) are going to court on Friday to file for BR. We have filled out our own forms and are just finalising the financial side of things. Should we post our SOA before going to court, or is it only really relevant when we have the OR interview. Also, as a lot of our finances are joint (loans, credit…
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Could I be a solicitor?
I am currently doing the first year of a business degree. I have the option to just do business, to do business with law modules , or to just do law. I have been looking into a LLB degree, but didnt know if it was all pointless.. does having been bankrupt prevent me from being able to be a solicitor or barrister in future?…
