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advice please
hi come on for a bit of advice please im going to apply for bankrupty this month hopefully if i can get the money together im was made redundent at the end of jan and are now on benefits i have one daughter age 3 and are pregnant again (4 months) will the OR take in to account the change in benefits when the new baby is…
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Newbie
Hi all, I have been recommended this forum by my friend, she says that everyone on here is very supportive and helpful and I am in dire need of that right now. Needless to say I have got myself in a right pickle and really would like some help and advise. In a nutshell, I am employed on a salary of £1400 net take home and…
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Paypal accounts
Hi all First post and lots of questions to ask on my way to a possible BR. One thing which i've been wondering is about Paypal accounts. In readiness for possible house repossession ive been selling all my garage junk and stuff in a sort of 'life clearout' on ebay and have managed to get a few hundred pounds which is…
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A few quick questions
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Scottish Sequestration and Offer of composition
I was Sequestrated in at the end of march, the agent for the AIB have been in touch and the relevant forms filled in. They did a rough I&E evaluation over the telephone with me and worked that i had a surplus £800 per month which can be contributed to my debt which is approx £22,000. Over a 3 year period this would amount…
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Do you get BR status right away ?
Once you have been to the court and had your BR appointment are you then BR or do you have to wait for a decision by post or something ? Do they tell you right away that is. Thanks in advance.
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Potential increase in income/IPA?
Hi Husband made bankrupt May 2009, had OR interview nothing heard yet. From October 2009 child benefit will not be taken into account when assessing Housing Benefit so this will mean an overall increase in our income. (I know the OR ignores CB). This will effectively mean that our surplus will be £130.70 per month does…
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Help,little confused
Im a bit confused, been looking round in circles on the web. Basically just went for an interview with a cleaning company,cleaning houses. Got the job and they told me that they dont deal with all the tax and national insurance etc and i have to do that. I'll be employed by the company but doing my own paperwork. So does…
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OH emergency tax and rebate
My OH has been on emergency tax sicne November so is due a big tax rebate. This will still take a couple of months to sort out. What worries is will the tax rebate go entirely to the OR? This is money we need to just get through the month :confused: and should have had towards basic living expenses, but I am sure I saw on…
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Health in pregnancy grant
Do I have to declare the grant I will receive soon for £190 from the govt for Health in Pregnancy? Surely the whole point is I'm supposed to use it to stay healthy in pregnancy? Thanks in advance!
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Form Help!!!
Hello All, I've been following this forum for over a year now and have finally taken the step of sorting myself out and getting my bankrupty date - 26th June!!!!! I'm currently filling the forms in online and have a question, I know this has been asked before but I can't find the post. In section 4 it says to list all…
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Income Increase Since BR - Help!
Hi I went BR on June 4 and yesterday received my letter from OR and it stated that he didnt feel it necessary to interview me at all. Yay!! The amount of money I had spare between income and priority expenditure was £4. However, I know that my tax credits are due to increase from tomorrow. It will leave me with spare money…
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are college costs allowed in a SOA???
i am currently br and on benefits as im a single mother of 2. ive got my work focus interview today and really want to go back to work, only working 16hrs as got the kiddies. but also want to do a couple of open university courses. will i be allowed the costs in my soa? i know i can get most courses free being on benefits.…
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worried
Hi All, I am new here and had my court date on monday(15th) where my bankruptcy was granted,went straight to the OR office as advised and had a brief meeting with an examiner who quickly went through my SOA and took my bank account details so they could write to the bank to tell them they have no interest in the account…
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Savings Account Closed
Good morning all, I'm sure you could all use a laugh so here goes. Got a statement for an old inactive savings account from B***lays. It showed 64p balance which they mark as paid to me with ref: C F (S). Immediately below that marked account closed. As I've not received the 64p should I chase them or get the OR to do that…
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IPA - how much rent is "reasonable"
Hi there I'm planning bankruptcy in a month and looking to move into a new flat beforehand. I live on my own, but need 2 beds for when my girlfriend comes over with her kids. My question is, If i move into a nice 2 bed flat for £700 a month, are they going to say that's too much for 1 person living on his own. It's not an…
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Sound like a BR plan?
Hi everyone, well I can't believe how fast this is going we only realised we had to go BR in the last few weeks, now very dazed! Done the dreaded deed and told the parents at the weekend - felt about 10 years old. They're not happy but hey ho just got to plod on. Anyway, I am getting myself confused by reading too much…
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Was going to be IVA, now ?
Went thru the incomes and outcomes with a company and thought everything was fine for an IVA; now a bombshell .. my monthly payments would be too low, £115 over 5 years for £22,000 debt. It has to be at least £170 a month which is impossible for me. Now they recommend Debt Management Plan which will take 30 years to pay…
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Can anybody help me please ??
Hi, Am very new to all this but long story short - I am currently living on credit as my wage only pays the minimums on all my cards etc - very soon this will tip over so I can't afford it etc I have so much to say and ask but may I please start with an easy one. I'm currently off work with severe depression/anxiety -…
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Newly Bankrupt. Advice Needed
Hi All I recently went bankrupt, about 3 months ago. I would like some help with the following: 1. We have a Together Mortgage with Northern Rock. (mortgage 100k, unsecured loan 20k) As we want to keep the house we have been paying the mortgage amount only, and included the unsecured loan in the bankruptcy. I was on the…
