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13 Hours
Ok I have 13 hours until I appear in court with my Husband to file for Bankruptcy. I never thought it was something I would have to do at age 27 but there you go. At least I have learnt my lesson young and am happy to start again!! The reason for our BR was a number of factors that included having 2 children very close…
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Cause of Bankruptcy
Me & OH are going BR on Wednesday. Do we have the same "cause of Bankrupctcy" statement? This is a first draft: "My husband and I have always made credit card repayments on time but began to find difficult when my maternity leave commenced in 2006. Statutory Maternity Pay equated to only half of my usual income. I had no…
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HELP PLEASE more questions??
Hi all,I posted my soa yesterday and got some great advice,so today I changed soa slightly and i have a surplus of 33pounds,yipee,will this be ok when looked at by or,I am self employed. Today i phoned my local court and have an appointment on the 31st march,so i need to know when to open new coop account and move dd and…
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Who is dependent on you?
I know this is going to sound daft, but i have listed my kids as dependants, but what about my wife? She needs my wage, and i need her's. What do i put?
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student grant from Open University and the OR
my Other half is doing a degree with the OU but he will be receiving a student grant of 250 pounds does the OR will have an interest into that ? thank you.
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British Gas Again & Again & Again ad infinitum
:D :A :A :mad: :mad: :mad: :mad:but :rotfl: :rotfl: :rotfl: at the same time. S:rotfl: cenario: Went BR 21 Aug 2008 and included a $93 (sorry comp wont show pound sign) debt on BR petition, have constantley fought B Gas since then as they adjusted my prepayment meter to collect his debt and have been abusive each time Ive…
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SOA help please
Hi (again) My OH surplus is £72. I get Child Tax Credit of £44. Will this be added to OH surplus even though I have Spent it on my SOA? Should I just put that I dont contribute to his earnings?
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Joint petition - how do we put SOA together
Hi there, my OH and I are going to court on Thursday and are just finishing off the paperwork. We are each handing in our own forms as we have a number of joint debts and are going BR together. When calculating our income/expenditure, say our rent is £1000 per month, should we half that and show half each on our forms?…
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Help
Any help would be appreciated - I have written on this site previously and today I have been down for my BR forms and made an appointment for Monday to hand them in and go BR - my questions are: As there is no equity in my house and me going BR - do I have to carry on paying my mortgage as I am hoping the OR will let me…
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Rubbish Left Behind ??
Hello all again , Just a quick question. we have moved out of our old house and into our new rented one but in doing so have left alot of stuff behind , old clothes, folders , furniture etc will we get charged by anybody for them having to remove it ? The house was repossesd and the official leaving day was the 10th Jan…
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Mother In Law Going Bankrupt!
Hi, My 66 year old mother in law is going Bankrupt this week on the advice of the Citizens Advice Bureau. Shes has debts of £13000. Her only income is her state pension and a couple of benefits (housing etc,) and she lives in a council property. She is under the impression that this will wipe the slate clean and will last…
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Bankruptcy while letting?
Hi all, does anyone have experience of becoming bankrupt while being an assured-shorthold tenant? I know that it's discretionary grounds for the landlord to break the tenancy agreement and turf you out, but I wondered if anyone had gone BR while being an assured-shorthold tenant and how the landlord/agent reacted, and what…
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Royal Courts of Justice
Has anyone gone BR in the Royal corts of Justice on the Strand in London? Is it alot more formal and daunting than a normal county court would? Any special experiences in this court?
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Can the OR get your figures wrong?
Can the OR get your figures wrong? I’ve asked questions before about tax deductions and thanks to everyone who’s advised but I don’t think it’s a tax issue, I’ll explain When we went BR in June my partner was working very long hours 7 days a week to try and make ends meet, they didn’t. During the first 3 months his income…
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BR Tommorow!
I am filling in the forms on the insolvency website. Is it just the one form with the 13 Sections? If so there is no part where I have to work out my OH contribution to my income and vice versa. It just asks straightforward questions. Am I missing a form?
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Will They Take my House?
Hi, I am currently in an IVA for circa 45k, however ommitted creditors of 17k threaten to fail the IVA arrangement due to the % in the pound being significantly reduced if these are accepted in. My IP is stating tha this will force the petition for Bankruptcy, which scares me to death. Given that I reckon I have approx.…
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Beat them to the punch
Hi all, Her Maj's Rev have made a bankruptcy petition against me in the high court. It's been adjourned three times, this last time for seven weeks. I'm extremely doubtful I will get another adjournment after this. Some people I have spoken to have raised the possibility of me declaring myself bankrupt before the next…
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OR Interview Wednesday - SOA, comments please.
Income: Wages (net): 390 Maternity Allowance: 507.78 Child Benefit: 81.46 Partner’s Contribution: 870 TOTAL: 1849.24 Rent: 650 Housekeeping: 350 Gas, electricity and heating: 100 Water: 53 Telephone: 50 Travel: 30 Clothing: 50 Council Tax: 112 Child Care: 304 Household insurance: 20 Union Fees: 8 Contingency: 20 TV…
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A Little Help
Hi I have had some problems with Lloyds TSB and need some advice. I’m thinking Bankruptcy is the best option but I’m not 100% sure and would like some other opinions I opened a Lloyds TSB account several years and after paying hundreds possibly thousands in fees and charges decided to close my account, a lot of the charges…
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Aaaaarrgghh
I have just phoned for a court date and the man said tommorow!! I don't know if we are ready but he said if not it could take months!! OK so: I have filled out a form on insolvency website. Do I just take this form (3 copies) and £495 to the court? Do I need anything else?
