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Judge - wot judge?
Hi everyone, All over at 10.44am this morning. :j Here is the blow by blow account. My court runs an appointment system and I was booked for 10.00am. At the court desk, bang on 10am, a clerk checked my papers (in front of people, wasn't too happy about that) for about 15mins. I swore my oath and paid the fees to which she…
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SOA Help please??
Ok heres my lastest SOA all comments REALLY welcome: Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 2700…
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quick car question!
hi there we went bankrupt last week and since then i have been off work with a bad chest infection so no pay either back to the drift! we are thinking that they will take one of our cars from us m reg 1ltr ax paid 100 quid for it last year for a cheap run to work and back. r reg ford galaxy rear quarter panel damage but 7…
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Utility
I have just informed some of my creditors of my bankruptcy this morning. British Gas were really pushy and said that I would still have to pay the bill outstanding that is from my house which is being reposessed. Informed them that they should speak to the OR and they said that is not for them to do but me and wanted a…
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Paying the fees on credit card
Having just had my telephone interview, I thought I should pass on their comments on paying for the fees using a credit card. I took my fees out on a Barclaycard a few weeks before going to court. In the interview, I was asked if I'd used any credit card knowing I was going bankrupt, to which I replied no, other than for…
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Bank Account
My OH and myself are starting BR proceedings. We have opened a cashminder with the co-op to get his wages paid into. I was in the process of setting up DD for council tax, rent, gas, elec etc. I have just realised that if they freeze the account these wont get paid. How should I get round this? Thankyou
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OR Interview - Some Questions
I have my (telephone) interview on Wednesday and am tweaking my SOA. I am due to return to work from maternity leave for one day per week on Tuesday, should I write a SOA which takes this into account? The difficulty I have is that, as I work as a supply teacher, I am not guaranteed the one day a week, I may or may not get…
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Which utility company should I apply to???
Which utility company are the most friendly to people with bad credit??? Sorry I have already posted a similar post but my question about who to apply to was half way down a big post of mine (if that makes sense lol) so my ? didn't get answered. Basically N Power are being included in my BR end of Feb as in arrears (about…
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Bankrupt 12th Jan 2009
Just a thank you to all those who have given me advice and hopefully will continue to prepare for the OR interview. Appointment at 09.00 today. Office clerk checked my bankruptcy forms, must say that she was rather miserable, anyway checked papers, took the oath, took money, said the judge may want to see me may not. Met…
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SOA First Attempt - Advice Please
Well a new year has arrived and im hoping to find light at the end of the 2009 tunnel My debts have finally gotten too much for me, and it would seem that debt collection agencys are whipping up old debts to celebrate the new year, i had three letters in the past week chasing debts id all but forgotten about. My total…
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T-20mins and counting
Morning, The phone's going to ring at 10am and the OR will be on the other end. The only thing I'm still not clear about is my employment status. At the moment, I'm essentially working for free as I've not set up a bank account in my name. My wife technically owns the business, although it does what I did before I went BR.…
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Money in Bank Account
Hi, just a quick question......... My ex paid my maintenance into an account which went into my bankruptcy in Nov 08. Would it be ok to ask the bank to let me have it? I don't know if the OR has contacted them yet as I'm still getting letters. I was just thinking that if the o/d went into the bankruptcy then they can't…
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Money parents have given me
Hello again Forms practically complete. I do have a query however. My parents leant me £10,000 a few years back to put into my business, the plan was to start paying them back once the business was doing well. Shall I include this amount in the BR forms and if I do what paperwork will they receive from the court? I don't…
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new teeth while going bankrupt??
sorry if this has been seen on other post but it didnt get many replies so thought would start new thread with it. after speaking to a different agency from CCCS last friday, this one advised bankruptcy and has arranged for a solicitor to call at 2pm today. but need question answering before i speak to him. to cut long…
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Savings and bankruptcy
Just want to clarify regarding a husband and wife's individual savings. If husband was main source of income over the years and has placed savings in his name and wife's individual name for eg full ISA allowance to take advantage of tax free status. Husband then goes through bankruptcy proceedings. Are the savings in…
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Tips for post bankruptcy.
Thought it might be nice if some of us regular bods were to give our tips for life post bankruptcy to those who are about to go or were about to go bankrupt. 1. Join Freecycle www.freecycle.org . For those that don't know about Freecycle then you join your local groups and you express your interest in an item, if you are…
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SoA: Members of Household
Quick question on SoA page 26, I live with my housemate who has no relation to me. Do I include him under household members? Thanks!!
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I have an IVA, but want to move in with OH who is on benefits...
As the rather long title suggests... I'm currently living with my parents in their house, which is paid for. I have an IVA for about £30,000. In March I will be entering into my 3rd year of the 5 years. I want to move in with my OH, whose only income is benefits (INCAP £102pw and DLA £250pcm) Should I contact my IVA…
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Yet another question.Ref:IVA
Hi Not sure if this is the right place to post this question. My IVA has been terminated and just waiting for the certificate. Once I get the certificate the creditors could petition for my bankruptcy or will start sending me letter saying I owe them money and I will probably have no choice but to go bankrupt myself. As…
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NT tax code
I have just been given an NT tax code, as i was made bankrupt end of october 08 will i get a rebate ;)
