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Happy Birthday Old Chap ( Phil )
Hi According to the list at the bottom of the Forum it is Phils Birthday :bdaycake::bdaycake: :beer::beer::beer::beer: If this is so I wish you all the best and thank you for all your helpfull posts and support when I was going through the process. Sir you are a diamond geezer :T ym
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advice needed
hi to whoever reads this email and thanks in advance to anyone who can offer em any advice. I entered a DMP with CCCS in Oct 06. At the time i considered bankruptcy, however, as I was planning on emigrating to Australia, I decided not to go brankrupt and took out the DMP. My question is whether I can now declare myself…
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SAO and what now?
Right as I have posted previously I am currently residing in the US and going paycheck to paycheck with family, with everything happening and debts in the UK our best decision, after much consideration may I add is to go bankrupt. Therefore I have created my SAO using the online forms for the insolvency service, however Im…
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How Would I be Affected
if my husband went bankrupt? We have a joint mortgage but nothing else...
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Wow how the time flies
Well it's been 5 months and almost 2 weeks since the judge signed on the dotted line and what do I find this through the door when I get home? Yup a notice saying I was discharged last week!!! 5 Months and 1 week to the day.... A question if I may?? So I'm paying an IPA of £520 a month, having spoken several times with the…
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form from or re ed??
hello everyone not been on for a while as playing ostrich after br 4 months now!! any how hoping someone can help OR has sent papers for me and oh to fillout as being considered for ed. We thought bit early but don't want to upset the big man!! Any how the soa included ain't set out the same as before so we are a little…
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Self employment and ipoq form
I am a self employed roofer and have just received an ipoq form.For my take home pay do i take off my business expenses from this figure eg diesel,tools clothing.Any help is much appreciated.
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Help scared girl here :(
Hey I'm about to ring reading court tomorrow and they said I have to ring because I have to naswer some question before i book my hearing. I was wondering if anyone could tell me what they ask. I am on jobseekers so do i have to pay a fee to go bankrupty I hope you can help im doing this alone
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Discharged, need a cheque book, any ideas?
Hi All, As the title says I am discharged from bankruptcy and would really like a cheque book. No overdraft, no debit card, nothing else just a bog standard account with a cheque facility. I already have a co-op cashminder account which is ideal but lacks the cheque book. I have applied for Natwest basic account but got…
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Blooming fraudsters
I have just had a call from "Royal Mail" fraud team to let me know that my c/c has been used to try & purchase £975 worth of stamps online. Now the only reason this fabby man rang me was because the address that these stamps are to be sent to, is well known to royal mail for being dodgy. Now obvs I telephoned my card…
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Handy card
My mother said to me the other day " I am going to pay off my handy card" When I queried this she said her credit card. Where does the handy card come from? She doesn't know the origins of this description of a credit card and neither do I. So anyone out there know the ' Handy card' story?
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Learning to use money again
All tips are welcome, having money and budgeting for everything in my debt free life, how do you manage now ? A box for everything maybe, i get through now from payday to payday but think i could do better, was wondering how you all do things now. Thanks in Advance.
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Pension fund
Hi, If I go BR can they seize my pension fund? Cheers
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Have i done everything????????
Ok br date is on wednesady 1st july, have got payment ready £520 x 2:eek: just printed of the forms 1 copy as court said they would photocopy them, do i sign them before we go?? have emptied bank accounts apart from the co op account is there anything else i should be doing, getting nervous now not sleeping again but…
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nobody listening
have spent all afternoon on the phone trying to call cccs for some advice, at my wits end cant get hold of them what do i do? is it to late to move back home? have things just gone to far now? if we offer payments to northern rock then go br will they throw us out again? i could not live through that agian????
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Advice needed please
Hi I am new to the forum, so forgive me if my question has been answered already. My Husband and I have filed for an IVA, but so far after 4 creditors meeting (1st cancelled, 2nd & 3rd adjourned, and 4th a no go) we are considering Bankruptcy, as possibly a less stressfull alternative. Our IVA application has been dragging…
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Rtlu??
Hi guys hope you are all well and enjoying this lovely weather! I should really take more notice of previous read threads but I have a memory like a sieve so just need to bend your ears about the above. Hubby got his letter today saying that his case is now with RTLU - is this a good thing do you think? Why haven't i got…
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Cycle to Work Scheme
Work is running one of these schemes where basically they buy the bike for you and deduct monthly payments at source. You don't pay tax and NI on the payments though and I was wondering if I would be allowed to do it? You basically save almost half the price of the bike. OR is a pain for ringing us back, he never does and…
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Living without credit
Is it really so bad? I have often wondered just why so many people chose to plunge head long into credit in the first place. Do you rememeber when you first discovered credit, maybe as a student or late teen and wondering 'whats the point of this, its just going to mount up with interest'? I did! Life takes its twists and…
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br today but co -op pulled out!!
this is getting really stressfull now!!!!!!!!! we were being made br by the co-op today turned up to court and they pulled out deciding it was not in there interest to make us br as we have no assets!!!!!!!!!! the judge said if you wanna go br you have to apply yourself (all very well if you have a spare grand lying…