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after br can the or see you bank account?
hiya just had a thought that if I budget hard and actually saved up a bit of money (after soa is accepted) can the OR still see what you are doing with your money ? just dont want to loose any money if i have scrimped like mad to save some ie for kids bday pressies etc! even xmas (v sorry for saying that word when it has…
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Help on SOA please
Wife and myself both bankrupt. Our surplus is child benefit. Does this indicate no chance of an IPA ? Any advice / help needed and appreciated. many thanks Monthly income after tax................ 1984 Partners monthly income after tax....... 1818 Benefits................................ 238 Other…
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Trouble with partner, assets and bankruptcy forms
Hi, i'm in the process of filling in the forms online but my partners been "hearing things about bankruptcy" IE: their going to make him pay my debts, their going to take his car, the telly and the furniture ect. so he doesn't want me putting his income or anything on the forms. We do live financally seperate, he pays the…
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Our SOA's please check for me.
our soa's please check and correct. Here are the seperate SOA of myself and hubby. Could you please check through and see if correct. I know that things will go up in the new tax year so will put them up accordingly. Thankyou. HIM Statement of Affairs and Personal Balance SheetHousehold Information Number of adults in…
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Yet more questions..
So my other thread on being bankrupt while renting raised a discussion in our house last night, and we think we'll be entitled to 2 months notice if LL decides they do want us out. Which suits us fine. 2 months is good time to find somewhere else!! If the OH went BR now, it'd serve us better - I'm in my final year at uni,…
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Dont know where to turn
We have a small family business that we have built up over the last five years and we were finally seeing a reward for all our hard work with a good reputation and repeat business coming in when orders took a nosedive from May of last year. We can only put this down to the credit crunch (plus I spent the month of June out…
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Facing sequestration and terrified!
Ok, deep breath, here goes! I am being sequestrated by my council for council tax arrears which amount to over £5,000. This debt has accumulated over 12 years, mostly with my ex for the home we jointly own. We seperated 4 years ago, and I still live in the home with our daughter. I have lost contact with my ex, even though…
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observation
Is it me or has the number of posts and new threads on the BR section of MSE risen a lot in the last few days? i cant keep up
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Todays the day
Good morning all, Well this is it, 9.30 this morning I shall be in court with my OH! Do you sign all your forms before you go (and if so which parts) or do we do it at the court? If OR gives my OH a nil tax code wont his wages drop therfore altering our soa? How long is it before you usually here from the OR? Thats all for…
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Sent my letters last week, Update
I posted earlier this month that I had been advised to go BR but it turned out to be a little complicated due to bank owing me money ( in dispute ) and the fact I live in Scotland. Well last week I sent off letters to everyone I owe money to and asked if they would consider writing it off in light of my age which is 70 (…
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OR and open uni grant?
Hi , i will be declaring myself BR in the next few months , however Im doing a I.T degree with the open uni part time, for this I receive my course fees paid and a non repayable grant of £1050 every october from student finance wales because of my low income, will this: be taken in to account when the OR calculates my…
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What will happen? :( I'm scared
I'm a 53 year old single mother with two children (22, and 18) I am currently signed off work because of illness, and the government is willing to house me for free. I have 28grands of debt which I can't repay. Would it be worth declaring myself bankrupt to free myself of the debt and the depression its causing me? The…
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A Quick Question...
Im in the process of filling in my forms and im wondering, i live with my girlfriend, we dont have a joint bank account, we arent married and we have no shared credit. We live in a rented flat with both our names on the lease, mine is the main one but she is listed as an additional tennant. Do i have to list her earnings?…
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Hello and some clarification please...
Hi there, Firstly, sorry for the long post. Due to seperation and large debt issues my wife and I are looking at bankruptcy as the only real option we have to make fresh starts. Out shortfall liabilities I estimate are in the region of £70,000+ I am employed and we have our own company. Own company was doing well til mid…
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Last minute panic
So I've found the money to start it now (don't ask me how). But I am having a last minute panic as to whether I am doing this in the right order and whether I have enough time left in the month to get this sorted (i.e. enough time to get a Barclays/Co-op account set up in time for pay day at the end of the month) So I am…
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How bad is the stigma and the judgemental ******
Where do I start http://forums.moneysavingexpert.com/showthread.html?t=1406043 CP
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newbie to be
Hiya, new to the site although i've been trawling the archive for about a month. Need some answer, please, if anyone knows. We have negative equity, (house worth £235k/ mortgage £245k/ other unsecured debts £120k) self employed and tryying o establish an income. When I go down, will my wife and daughter(23) be allowed to…
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Still liable years after going bankrupt
Does anyone know if crediters can come after someone who has gone bankrupt, if years later they have managed to sort themselves ou,t and have savings once again?:eek:
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Redundant & Bankrupt!
Hey All, I was made redundant nearly two years ago, and have since been discharged automatically. I still carry on to pay the monthly payments. I am to be made redundant in 4 weeks, and receive £850. Is this money mine to live on? Or do i surrender this or part of? Personally speaking, i try to have minimal contact with…
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Please help me
I am new and feeling very worried. What do you do when you have no disposable income ? I have written to my creditors with a template letter from CCCS and sent each one £1 token payment. I have sent all the card and loan people CCA requests with £1 fee via recorded delivery 6 days ago and no replies yet. Because my…
