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Moving house and SOA
Hi all, Just a quick Q. We live in a rented house and our tenancy is up in August. We would like to move and in our area the rental prices have dropped since we moved into this house. At the moment there are things that our budget won't allow us to put on our SOA, things like holiday fund or contents insurance but if we…
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Filing for bankruptcy from overseas
It is looking likely that I may have to file bankruptcy in the UK. I am currently living in Canada though I was wondering if anybody had any experience in doing this from overseas. Is this going to have an effect on my account here or just my Uk accounts? What happens with regards to attending court? What is the best…
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SOA Couples help needed
SOA for me and the OH nearly complete. One Question. When putting the household income on to the forms do i split the joint income parts ? Example ; My JSA is 300. OH wages 320. Only other income is child benefit 132 and Voluntary child support 120. Do i split the last two ? Half to go on my form and Half on OH form. Court…
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Please can someone help me?
Hi I am desperatly seeking some words of comfort. My husband and i are due to go bankrupt next thursday. I am so worried and scared, i cant sleep and i keep crying. I'm pregnant and so worried we will have no where to live, i feel i have let my baby down. My main fear is loosing our home. We bought it nearly 3 years ago…
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BR app in 2 weeks- question about ccj's
Hi I planed to file for BR on 29th Jan. I have already cancelled my dd's to the cccs. I have stopped my wages coming in on the 30th june and the money usually goes to the cccs on the 1st. Obviously they will know not get this payment. I have to CCj's though which get paid by the cccs money. I am now worried that if the BR…
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Scottish Trust Deed Question
Hi all, I've been lurking on the board for a while, trying to get as much info as possible in a bid to solve my debt problems. I've got an appointment with a council money advisor in a couple of weeks and I will be discussing both a DAS (Debt Arrangement Scheme) or a Trust Deed. Regardsing the Trust Deed, I've got a NR…
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s.o.a. confusion
hi everybody,we cant get this through our heads.we cant put s.o.a.on here yet as we not got full figures yet.my hubbys benefits monthly £679 an his expenditure is £677.so he looks to be ok after b.r.however mine i recieve £385 per month an if i put down all utility bills same as hubbys got on his s.o.a.plus all my personal…
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Job same, income same, do i need to tell?
Hi I've just read in the guide to BR that I need to tell my OR if there is an increase in income. Do I need to tell them if I have changed my employer but my income is still the same (or has gone down)? I dont have an IPA. Thanks in anticipation.
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NT Tax Query
Hi all, Went BR in May 2008 and ED in Jan 2009. Had IPA applied due to exceess income and was told by OR that I would get an NT Tax Code as expected. Letter received from Moon Beever in August 2008 saying IPA payment and NT Tax payment paperwork would be sent through shortly. I only ever received paperwork from Moonbeever…
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HMRC Bankrupcy
Hi All Still not bankrupt have been trying to fight it to save my home in Spain as we are going to move there when all this is sorted. My home in the uk has now been repossessed however it is up for sale by the mortgage company for 30k more than we owe so I was hoping this would pay the HMRC and I could do a debt…
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I'm at my wits end...help me
I have been struggling for some time with both a business and my own personal finances. I am getting loads, (and i mean loads unfortunately), of threatening letters from debt agencies relating to money i obviously owe. The final straw came this weekend when i received 2 letters both claiming for substantial amounts and as…
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Disassociation
I moved in to care for my father and been sleeping on his sofa for 3 yrs a 2 bed bungalow has become available would it be a good idea to disassocate with CRA due to changing utilities etc everything will be in his name. I was bankrupt on 20th May
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bank account
Hi I am new to the forum but have found the wealth of information here both helpful and reassuring. My question concerns the length of time it takes to set up a Co-op cash minder account. If you apply by phone do you get an account number etc straight away or do you have to wait for it to be approved and get the info by…
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At my wits end and need help
New to this forum and hoping someone can help me as I don't know where to turn. I was made redundant in April and have acumulated a total of £140,000 of un-secured debt, creditcards and loans. I have no one to blame but myself. I cannot service these debts any more and this has caused ill health and family problems. I feel…
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Co-op Cashminder Debit card
I've just had a long drawn out conversation with the Co-op, the out come of which is "The new Visa Debit card is just a name change to the electron" - YOU WILL NOT be able to use it at any of the places that refuse electron!! The only way you can get a full visa debit card with the co-op is to change your account to a full…
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bank account
Hi I,m new to the forum but have found the wealth of information most valuable and reassuring. I am saving for my fees and am concerned that when I do become bankrupt I am able to keep my day to day expenses in order so as not to incur fees from the bank or get behind with my utilities etc. To this end can anybody tell me…
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Taking the plunge - help needed soa and forms
we have finally got the funds together and will both be going br early july. i am trying to fill the forms in and confusing myself:confused: firstly outgoings do i just put the total amount that goes out or am i expected to work out the percentage that i would pay? The creditors names and addresses, do you need to put the…
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Bankrupt and now reposession
Hi All, Myself and my partner went bankrupt in April 09 ( best thing we have ever done).Before going bankrupt we moved out of our mortgaged property and phoned the mortgage company asking for a voluntary repossession, they said they would sent out forms. They have never been the quickest company to send out forms. And we…
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Joining the BR Club
Hi All, My boyfriend is going to be going BR at end of this month and we are just making sure we have the procedure correct, dont want to mess it up. Im going to put his SOA on here for you all to quickly look over before we do yo make sure it looks ok, we did this a few weeks ago but it will need one or two adjustments.…
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Tesco's Finaince
Tesco called this morning said they have recieved notifacation that i am bankrupt . They are checking the official receiver letter isnt fraudelent :confused: . I told them to ring official reciever and ask them:confused:
