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IVA can they make you BR?
I read somewhere that sometimes they could has anyone had this happen to them???? Thanks.
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SOA - Laundry/Dry Cleaning?
Good morning everyone.... Just having a last tweak of my SOA outgoings. I live in a very small electric only flat - so small I haven't got a washing machine and use the local launderette. I have put £20 a month on the SOA for laundry (the truth)... Am I better off calling it Dry Cleaning or putting up the Electricity…
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Court Fees
Hi My husband works full time but the only income I personally receive is Child Benefit and Child Tax Credit. Will we both have to pay the court fees? I have tried looking at the advice online but it doesn't seem very clear. Thanks
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Another bankruptcy question
Hi all Sorry to be a pain as these question have probably been asked over and over again. Ok when I get my soa sorted and say if I state my gas cost £50 a month, what will happen if that amount is more one month than the other. Does the OR take all this in account because I know my bills are never the same each month and…
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My Home
Hi Guys, Exploring the possibility of declaring myself bankrupt. The only thing that bothers me is my home. Whilst the home is in negative equity will a sale be forced? Thanks Ollie
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What a difference a week makes
:rotfl: I just want to say, this time last week I was in panic mode re court for monday morning. This week:j yipee, all over. Just waiting for OR interview on phone on wednesday. So for all those wondering...should I??? Just do it, the relief is amazing. X
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Idiots Guide?
Is there an point by point idiots guide on the steps and processes when to do what etc I might have missed something but it all looks so complicated at this moment! :eek: Thanks xx
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IPA and a subsequent reduction in salary
Hi, I'm expecting to receive an IPA as part of my BR. However I will be seeing a decrease in my salary a couple of months after the BR. Now the reduction in salary may leave me with no surplus for an IPA or considerably less than when the IPA kicked in. What would happen in these scenarios as regards IPA payments? Will my…
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Bank Accounts
Happy New year to everyone I feels like ages since I have been on hear, I had to activate another account. I read the sticky about bank accounts, I have been discharged since last year may and although I'm happy with my bank accounts I have, I would like to upgrade my card to a debit card. Some companies do take the visa…
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BRO/BRU question
i was wondering if you are expecting a BRO/BRU does it affect you having an ealy discharge ? how do u know if u get one ? i do not have an IPA/IPO but in my OR interview i was warned that i may get an a BRO/BRU because i took some credit when i knew i was insolven. ima not saying as i was a saint a but i needed to pay for…
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BRO/BRU ignorant????
:confused: Can someone explain this for me please I'm having a thick moment.:confused: Can you get a BRO/BRU on things you did previous to BR, I understand if you take out a credit card/loan the day before or something then yeah maybe, but, when you……. took debt out based on an expected windfall like NTC did. Even though…
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When do fees drop & things change
Just wondering as friend going BR this week. Says his paperwork asks for everything in his home to be listed? his boss says new laws coming in that OR's can be really strict as fees coming down. So only allowing you to now keep essentials. For example only one tv, washing machine etc...... He also messed up a bit last week…
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Useful (?) Budget Guide
Hi guys, I thought I would post this as I often see that people ask for guidance regarding their SoA's. I have to do my income/expenditure every 6 months for my DMP (with Payplan). I have been on this DMP for 3 years and this guide has never changed. Apparently Payplan have said that these figures are provided by the Bank…
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BRO Or No BRO, Your thoughts Please !
I have got a date to go BR in March and am borderline BRU I think ! Incurred alot of debt last year through taking out new loans and credit cards when a relative had a property on the market as I was due £50k from the proceeds. It is now taken off the market due to the slump in prices so I can't use that money to clear my…
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I Am Back!!!!
Have been on the phone and emailing since 8am till just now trying to sort whole mess out.Am in so much agony with my back I feel like my head is going to explode. I will have to come on tomorrow with all the details but the up shot is that I have been advised by a different agency to go bankrupt I have solictiors calling…
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Family buying interest in your house
Hi all, Sorry folks despite what I've read, what is this all about... We have negative equity of about £10-15k in our house so does that exclude us from this. This may not even be relevant as I really do not know what it means??? I just know my particularly v. caring yet v v inquisitive sis :eek: will ask OH and he needs…
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BR, OR & Paperwork
Hi all, How many years worth of bank/credit card statements does OR normally want to view. Ive realised I only keep about a year's worth - will this be a problem?:o Lisa
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Council Housing?
Another question! sorry!! We are currently on the council housing register would going BR make a difference or not as to whether we can still be on the list (if a house became available??) Thanks xx
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The assets section of the Forms! Arrggh
Does anyone know for definite whether or not i need to put details of some endowment policies i cashed in 4 years ago? I dont have the policy numbers and one of the companies has ceased to exist as it got taken over about 5 times more since! Help:eek:
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Still not clear about my house!
Sorry to be thick, but can anyone help me get this straight in my head? I have a joint mortgage with my wife and the payments are £1300/month (interest only). We're up to date with the payments. We could rent a similar sized house for around £700/month. Obviously, there's a risk the OR could say we have to rent, but we're…
