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IPA Question
Hi Once you have gone bankrupt how soon do would you start paying your IPA? For example: August - use surplus income to pay BR fee from July's pay Sept - Speak with OR perhaps? - What would I do with the surplus income I have this month (end Aug pay) assuming my IPA would start at next pay day? (End Sept pay) Hope this…
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Anyone had Bankruptcy petition refused?
Hi, I was wondering if anyone has had experience of their BR petition refused and some other course of action recommended instead (eg. IVA or DMP)? Is this very common? If this happens are you legally required to through with the alternative action? Thanks!
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Does anyone have a Barclays Connect Card?
Just wondered, i have been given a cash card account but wondered if anyone has a connect card?
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What do we do next?
Hi everyone, please do reply if you can...we are a couple with a 2.5 year ol child. We have £600 unsecured debt a month We have £1000 secured debt, mortgage and secured loan (in -10k negative equity!) We have £375 a month we need to pay friends and family Houshold bills amount to £400 Food and mobys and petrol are £677 A…
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keep iva or go br?
hi there all please, i need advise. myself and oh have an iva each. my oh is thinking of going br. i am really worried about the future. i have posted a couple of theads on here recently and had good advise/help, but i'm still unsure! answers to the other questions were- house has no equity, so wont be taken,-- cars needed…
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Advice please with secured debt? HHEEELLLPP!
Hi everyone, i must say what a great site this is! Myself and my partner are looking at going bankrupt...we have both secured and unsecured debt...We both work an have an income of £2,400 a month...not enough! We are aware we only have ourselves to blame, and previous partners, but it cant continue... We have a few things…
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IPA for nil tax code
Sent off my letter today for niltax code IPA. It states they will take 195 a month. My tax is usually around 53 a month so i may a little spare, but.... If i say i miss a few days off work or get struck down with swine flu then i dont get paid (until after 3 days SSP) which means i wont be paying 195 tax for that month?…
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Moonbeever
Sorry, not a serious post but I do love their name. Tee hee :j :rolleyes:
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First Small Step..
...in preparation for BR - have opened Co-Op accounts over the phone for OH and I - got the ID request this morning so nipped to the post office to have our id verified as we don't have a branch near us only to be charged £5 per item! That's £20!!! aarrrhh - had to bite the bullet and pay it though as we really wanted to…
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How do you know you are discharged?
Hi all I have read about early discharge. My partners BR was pretty straightforward in the end and and I am wondering how we will know if he is granted early discharge. Will we get a letter, or is there a register we should be checking periodically? If he doesn't get early discharge, again will we get a letter or should we…
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Question about IPA
I was made bankrupt on 8th July and am currently unemployed so don't have an IPA, if I don't manage to get a job while undischarged can they still start an IPA after discharge? What I mean is if I start to earn money after discharge could an IPA start after that? Thank you A x
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Early Discharge yesterday and IPA
Hi All, I had an early discharge yesterday! :) Little confused though with no forms to fill in and my current IPA being on hold (due to work contract coming to an end)... shouldn't I have had something to fill in? Of course I'll pick up the IPA when my work situation changes. Is it case of just contacting the OR when it…
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Considering Bankruptcy
Hi, I have been reading threads on this forum for a while now and everyone seems so helpful. I wondered if anyone could help. My husband is currently in an IVA, they take all of my wages into consideration as well. We find it such a struggle to make the payment each month. I have to keep juggling other bills, such as rent,…
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Court Costs
Went bankrupt in April, my affairs and assets (none) are now being handled by the Regional Trustee, all is going ok. I’m not subject to any IPO. I appear in court in three weeks regarding the repossession of my flat. I’m not contesting the re-possession but will ask for a months notice to vacate. However the court…
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Early discharge ........ Hooray
Hi to you all Big news.... I have been discharged from my BR - 6 months and 9 days after my original court date. I could kiss the OR.... I am moving on Monday and get my annual bonus at the end of the month and I can keep it all..... :T On Tuesday someone tried to steal my car and we thought it would be a write off. I…
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experian/equifax/callcredit
hello all, can i ask how many of you actually pay the monthly fee's for any/ all 3 of the cra's to keep track of your files? the reason i ask is that all 3 offer free trial periods - would i be right in thinking that once i've used the free trial, and cancelled, i cannot go back and get another free trial at a later date?…
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Help!!!!!
I have had a letter from a company called dlc who are acting for ge money who i had my mortgage with.I have been br since october and my house was re-po and sold off which was all listed as secured creditors on my br forms.I gave dlc my br ref number and details of the OR however they have rang me back this morning to tell…
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How long for Nil Tax Code to take effect?
Just a general question - how long have people waited to have their Nil Tax code come into effect? We went BR the second week of April (after 5 April) and have since had 4 paydays since then and still no tax code. We have also filled in the paperwork from the OR relating to it. Is this timescale normal or do you think we…
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Combined Notification
I have just received a letter this morning about my early discharge. As some of you may know I went BR March this year, I received a letter a couple of weeks ago. I filled in the forms sent them back and received this letter this morning it's has in the right hand corner EDNCR. Doe's this mean I may get an early discharge?…
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OR IPA, Barclays account
Ok a few questions here. Got a letter from OR saying an IPA is to be set up for collection of tax. Its £195 a month, how will they collect it? I know the tax gets paid into my wages and i cant spend it but do i just set up a monthly direct debit? This week also got my Barclays accoutn set up with a cash card, i have read…
