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OR Interview
Well I was told that this would be the interview. Another woman from the court was there too and she handed in her BR order but was told he'd be in touch about a face-to-face interview later. So I am assuming, (and I hope you can clarify) that this was it. There were a few questions about the name the debts were taken out…
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Letter from OR about RTLU ???
Hello all Have not been on here for a long time and cant believe that I am now 7 months into the BR. I got a letter today from the OR saying that my case has now been transferred to the RTLU, does anyone know what I can expect from here on in or if there is anything that I need to be aware of whilst at this stage. Thanks
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SOA - Could anyone quickly cast an eye over it plse
Hi, Completed the SOA so would any of you experienced peeps just check through it and see if it looks ok before we transfer it over to the insolvency site Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 0 Number of…
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BR - to battle on or to jump in?
Having lurked for a few months, and having read lots and lots about IVA, bankruptcy and debt management in the past three days I am here to throw myself open to all the wise and wonderful amongst you. These are the facts I owe £35,000 (give or take a couple of pounds) I pay £200 a month towards these debts, I made the…
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Renting and will OR contact landlord
Hi all I'm in the process of going BR and have a house that I'm going to give up to move in with my boyfriend into a house he rents. The rental agreement, bills etc will all be in my boyfriends name but my question is will the OR tell the landlord about my BR even though my name isn't down on any rental contracts etc? i'm…
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British Gas and Elec
I included my outstanding elec and gas accounts in my BR and faxed and told BG my bankrupcy details Today i log on to my account and it says this: Gas (**********) Your account is up to date Electricity (*********) Your account is up to date When i view the accounts it says this GAS: Balance: £ 1058.67 in debit Tariff:…
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Now officially BR!!
Today at 2pm, bit of running around to regarding the remision on the court fee but didn't see a judge of any sort, just had to pick the BR order up all signed by the judge, now just awaiting the OR to give me a call in the next few days, hopefully i get to keep the motor, if not i just hope he gives me the opportunity to…
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IPA percentages/Early Discharge
IPA Would someone be kind enough to post up the chart with the IPA percentages? Do the OR's stick to them? Many Thanks:D RE: Early Discharge - Has anyone had it without it being mentioned at your original interview? After what period can you get early discharge? How do you know it's happened? Many Thanks:D
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Co Op cashminder
I paid 2 cheques into my account at the post office last friday. Logged onto my account today and its showing Account Balance£268.50 CR Available Balance£268.50 CR Surely these cannot be cleared already ???:confused:
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It will get better
Hello Everyone Been viewing for quite sometime and today created my account. This was my life a few years ago...... I was made BR back in December 2006 ... reading the many posts here it brings back those dark days for me. Before I went BR I was just living to pay back what I owed which is right after all I had taken the…
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Im filling in the SOA, help needed please!
Hi all, My boyfriend is just filling in the SOA forms, its taking ages and we are remembering to save regularly! A quick question: He currently lives at home with his parents and all the the statements etc all have that address so he is going BR from that address. He is moving in with me monday 29june and so all his living…
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Since Br - march 26th.....
well i had my interview in april. had to haggle to keep my car in interview found out week after they accepted. regards to income and making payments she never mentioned anything nor did she mention about my house ( in negatvie and secured loan) pay mortgage and trying to keep house.. june and still heard nothing..must be…
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Reason for Bankrupty
Firstly thank-you to all the advice I have been given and read on this site. I’ve nearly finished the form but I’m now left with the most difficult section of explaining how I got into this mess. I’m really struggling with this, which is probably why I’ve left it till the last minute, but I just don’t know what to put.…
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Where do I find Bankruptcy info?
I am finding something a bit weird. I don't know what happened with my bankruptcy 8 years ago, it has never ever been listed on any of my credit reports and I have searched the London Gazzette every which way I can, even every postcode in my area for a 3 year period around it and doesn't list it anywhere. Why does it not…
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Is my tax credit lump aum mine to keep?
Hi, having renewed my tax credits i have been paid a large ammount as a lump sum as our income was quite a bit less than forecast. Do i have to tell the receiver i have been paid this and is it ours to keep?
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Debt advice
Help! My brother has got himself in a real mess with debt and he's completely burying his head in the sand about it. He refuses to talk about it, but my understanding is: He got about £20k debt (most of this relating to a car that got wrote off by a "friend", insurance not paying out) He fell behind in payments and got…
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Had OR interview this morning
The lady was very friendly and polite,didn't go into much detail about specifics of my debts as they were all pre 2005,just wanted an indication of how i got into debt,they looked at my IVA and saw that i had paid into it for 30 months and think that went in my favour in the sense that they could see i made a concious…
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House Valuation from Estate Agents re Equity
Hi All We have a house in neg equity - we've had three valuations from estate agents - one of which volunteered a written valuation which the OR needs to prove it's in negative equity but we could do with three written valuations. Has anyone got any ideas how I get the other two agents to give me a written valuation…
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Problems IPA
Hi All I had several problems relating to alcohol that put me in Rehab, i was made BR in July 08, and was in Rehab in Sept 08 for a month, i then managed to get a job in October 08 and was ok, I got an IPA in December which i managed to pay for two months, then although i still had a job i didnt really have much to doo so…
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Can you choose your BR Court?
I am just wondering if you have to petition at you local court or whether it can be another one? Only reason is it would be easier to do it nearer my parents than me as I will need to drop the children off there first.
