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SOA incomings!!!! ARGGGGGGHHHHH
hiya heres another question for today - eyes are stinging now :o Situation : I am going BR AND OH going BR 2 seperate forms to do = 2 seperate SOA's on income on MY form do I put 50percent of OH's income and visa versa OR do I put 100percent of OH income on my form and visa versa?????? we have a couple of joint debts but…
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How does this look D Day tommorrow
How does this look everyone both myself and dh are going bankrupt Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 3 Number of cars owned.................... 1 Monthly Income Details Monthly income after…
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printed forms and ready to go....
Hi guys, just wanted to let you know that ive now locked in my forms and have printed out the three copies for tomorrow morning. Anybody watching will remember my last nighmare with forms so have done them early this time. Donna, good luck for tomorrow, ill be thinking of you when youre going through . Im up at 0930 so…
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Including an unused Cashplus card in my SOA?
Hi All, I've got an unused Cashplus card which required no credit checks to obtain. Should I include it in my SOA? I want to include an unused Cashminder and a yet to be obtained Barclay card. I'm thinking it might be better to tell the OR that I've the two latter cards (Cashminder and possibly Barclay) I'd like kept open…
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Question 3.3 - Endowments & Life Policies
Im sorry to flood everyone with questions here. My wife has an Life policy that she pays monthly, which is worth nothing unless she dies. Is this what we should list?There is no way of getting any money out of the policy, or am i being stupid?
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Section 4 Online forms.
I am just starting to fill out the creditors section online. Do i list all mine and the wifes? Some CC were in her name, then tranferred when we got married. Do i list everything as a household?
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Section 9 - online forms
Section 9 asks for details of any assets sold/given away/transferred etc during the last 5 years. does this mean if you have swapped cars a few times like I have you need to put it down? Ive swapped my cars 3 times I think. :confused:
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Using Cashminder account before BR
I have opened a co-op Cashminder account and am planning on going BR in March - I am worried about my existing DDs not getting paid on time - eg home/car/pet insurance/internet/phone and mortgage etc. My current account with my existing bank will no doubt be frozen and i was wondering if it would be ok to get my wages paid…
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IPA - surplus allowed
Hi everyone Quick one is the £99 surplus allowed per person or per couple? Just phoned tax credits and once back at work I may be on more help towards childcare than I thought so readjusting my SOA I posted the other day xx
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Help with working out SOA please
Hi I have just tried to put my SOA together and I need a little help. I am self employed and my although my income varies, I average about £2200 a month. From that about £500 is due in tax and NI. There are about £200 a month in business expenses too so I am left with about £1500. I live with my partner who earns about…
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Dh went br today - worried about OR interview
My dh was made bankrupt today. I went bankrupt myself at the end of July but we had hoped to sort out dh's debts but his business has failed and he is now desperately looking for a job so we are on JSA in the meantime. He had a quick telephone interview with the OR on the phone and they were a bit blunt with him. They…
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Making money post BR
Hi guys, I went BR in November 07 but continue to run my online business obviously in the name I used at the time of my BR. Anyway, I need to up my income a bit so have decided to sell off some of my belongings/books etc. Does this money have to be declared to the OR. Also, as it's not business money I'm assuming I don't…
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Feb 19'th seemed like a very very long way off ...
Hi All, I stopped paying CCs beginning of December and got a court date for the 19'th of Febuary ... giving me just over 10 weeks to wait :( I started receving letters just before xmas ... 19'th of Feb seemed a long way away. Since the new year I've been getting several phone calls a day. Not answered any. I've been…
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can i go bankcrupt?
i am so confused and really in need of some advice. my husband left a few months ago with £30,000 debt, all in my name. i came on here straight away and given CCCS details and asked for me to post my SOA my first came to -£275 with some tweaks this was improved upon but when CCCS went through their version of an SOA i was…
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Decided to do it.....
Right then, we have thought long and hard about it and decided that bankruptcy is the only way forward for us. I have spoken with national debtlinetoday who have advised mw and is going to send out all the paperwork. I have just got to bide my time now, miss payments on my IVA and save the money to pay the courts. I have…
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Debt Collection Solicitors - Notice of Insolvency Proceedings
Hi This might be in the wrong section but your help would be appreciated. My son was a partner in a shop but left the partnership in late December 2006. The partnership was not formally dissolved :rolleyes: and he came out with virtually nothing, leaving the stock for the remaining partner. A debt collection solicitor sent…
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Estranged husband going bankrupt
Hi - first post and I would really appreciate some help. I left my husband last July and now live alone, renting a flat. I am a university student and work part-time. I have a student account with the Halifax. My husband lost his job and is in the process of going bankrupt - going to court next week. There is a halifax…
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What about electricity bills sent to someone who is bankrupt as of 5th Jan 2009??
Now -- I just got a letter from British Gas charging me £248 for electricity used up since 21 August. What happens if I reveal my status of bankruptcy to them? Will they cut off my supply? Or do I have to find a way and unearth £248 somewhere and somehow? By the way, I have already applied for assistance from the Anglian…
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'Discharge Suspended Indefinitely'
I have been looking through the insolvency register and a good percentage of BR's have 'Discharge Suspended Indefinitely', some whom even went BR in 2000. What does this mean and why do so many have them?
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The deed is done,
Hi guys just to let you know that we are both officially BR No's 9 and 10. :beer: It was -9 degrees when we travelled up there, got there in time but had to wait 2 hours to be seen as one of the judges didn't make it in, bad conditions and accidents on the M4......:mad: We thought that they were making us wait cos we had…
