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Consumer Credit Agreement. Advice Please.
Hi all. I've been filling in BR forms online and come across a query. I'm in an IVA at the moment since August 08. However, when filling in the assets part I mentioned my car which is now worth about £1,500. I was able to keep the car with the IVA because it was a consumer credit agreement and not Hire Purchase. My concern…
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direct dmp???
has anyone contacted their creditors and arranged their own dmp direct. i am completely disenchanted with the CCCS which i have put a post on here about already so wont go on any further here. but am now completely bogged down with the amount of different forms and help agencies and i dont know why but was even considering…
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Ed Forms Today !!
Just wanted to shout it out loud !!! Got the forms and I AND E forms this morning have filled in and sent back already !!! Am utterly chuffed was bankrupt in July 08 so 5.5 months . Just gotta wait till the confirmation but by god thats a great start to 09 for me and mrs cider. Nothing could ever be as bad as 08 . once…
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Were in the club!
Weve done it as of 1222pm today we are 13 and 14 of 2009, quite painless really spoke to the OR assistant just who confirmed our telephone is 19th January 930 am and thats if we are definatly have one this will be confirmed in the post. We had to see the judge together who asked if we had taken advice i did all the talking…
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Going BR Soon!!
Hey Guys, I'm seriously considering going BR pretty soon, probably next month. I've managed to get myself in debt over the last 10 years or so to the tune of 35k. I'm currently in a DMP with the CCCS, this has been going on for about 8 months and I now owe an extra £500 on top as all the creditors haven't frozen the…
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Query 1 - filling in BR forms online
I am doing my forms over the next few days following the repossession letter we received today. First question (promise I won't be too much of a pest) Under assets what kind of thing is listed under fixtures and fittings? Also under property of any value we do have a TV we paid £1000 for about 3 years ago - it's prob worth…
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Plan of Bankruptcy - advice welcomed
Hi all im new to this so would welcome any advice/comments with my possible plan, ill try and make it as simple as possible! Im 25 and work for a Housebuilder as a QS, despite numerous redundancies over the last year i have managed to avoid the 'bullets' but im very concerned the time is upon me ie im going to be made…
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My Soa
Right here is my attempt at my soa and oh soa (have not added cc yet as this is bit I am struggling with) Mine Monthly Income 0 Partners monthly income 1800 Benefits 160 Rent 650 Council Tax 108 Electric 40 Gas 40 Water 38 Telephone 50 TV 12 Groceries 400 Clothing (have 2 children do they go here?) Petrol 0 (will prob lose…
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Repossesion Letter Has Arrived
The letter we have been expecting for the last month or so from Capstone has arrived stating we have 7 days to pay all arrears or house will be repossessed. We move into our rented house beginning of February, husband is going BR 16th Jan (company supplier has petitioned this) I am planning on going BR once all the…
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Possible bankruptcy
Hello everyone, i am new today and feeling rather upset, though i know my husband and i only have ourselves blame. We are in around 16K of debt. We had a debt management plan in place with payplan for the last year or so. This year my husband was out of work due to the business he worked for going bust for a while till he…
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Date Booked for BR
Have now booked my court for 3rd March, doing a lot of thinking now! Probably daft but can BR be declined due to amount of spend and balance transfers on my cards. I have spoken with CCCS and they advised BR as the only option. Have a lot of debts on cards, no arraers on essiantal bills
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can you check this out for me please
hiya right still on my incomings on my and oh soa form: my incomings are: pension: 463 child benefit 125 working tax credit 382 incapacity benefit 443 oh incomings are: wages 1040 total outgoings = 2119 for all of us 2 adults 2 children soooooooooooooooo need your advice on what percentage of OH incoming to put into my soa…
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Going BR - Need help on renting
Hi Guys, I'm going to be filling out the forms for BR this month but my partner and I are going to be moving in together at the end of this month. He knows exactly what's going on with BR and thinks it's best if it's just him who applies for the rent on the house. My question is if we both apply and I fail the credit check…
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Help with completion of the Online Forms
Now we have a date for our BR I am trying to complete the rest of our forms. Hubby’s is fairly straight forward as he doesn’t have a business whereas I work part time and have a self-employed business. I have a couple of questions if I may.* In section 2 about the business what industry would photography come under, I…
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Does OR advise if no IPA
:confused: Hiya all and a Happy and Stress Free New Year Still not heard from BR re. IPA or nil tax monies to Moon Beaver. Had a thought though. Does BR actually tell you if an IPA is not being set up? When my hours reduced it took our joint disposable income down to about £140; does this mean £70 on each of us - therefore…
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SOA Advice
Hi again, When filling out seperate SOA for me and DH I am a bit confused. The only earnings I have is child tax credit and child benefit. If i put half household expenses on my form i will be minus hundreds and if DH puts only half on his he will have hundreds surplus. We then would not afford to live. :confused: This is…
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Quick help with 6 month review form needed!
A few quick questions as I need to fill in my 6 month review form: 1. I dont have an IPA at the moment but my income has increased slightly. Hopefully it will be cancelled out by extra expenditure. If I get an IPA, is the amount they set it at fixed for 3 years or do they review it each 6 months - i.e. do they basically…
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should i go bankrupt? where to start?!
hi, please bear with me as i am a complete wreck and keep crying. i have lost my place on my course + therefore my main source of income + childcare costs. i have debts of a stupid figure,which all started with a credit card. i have been struggling to pay for everything for ages as i put keeping a roof over my dd's head…
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little question
I have included tax credits and child benefit on to my SOA So when hubby does his SOA doe he too put these benefits on or not ????
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How do i start?
Just a quick question on bankruptcy, How do i start the proceedings if ifeel this is the best route for me.Do i contact the local court for the documents to fill in or contact one of the IP firms you see advirtised? just wanted to know how to start the ball rolling?
