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.O.R. living abroad ?
Hi, Just a quick question, I have had a fair few personal problems over the last few months and one is having to decide to go bankrupt and the court date is 10th august, hopefully that all being and going well my father has said he will sort me a flight out so I can getaway for a few weeks for a well deserved brake away…
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Living with parents
Hellloooooo everyone, me again!! TODAY'S QUESTION (lol) I live with my parents, in question 6.7 it asks how much do other members of the household contribute each month to the household expenses. What do I include here what my parents pay for the following: Mortgage Council Tax Water rates gas electricity telephone tv…
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Letter to creditors
Hi All Sorry I seem to be having a blonde moment and cant find a template letter to send to creditors to stop the phonecalls and just write to me instead Can anyone help?? Thanks!!!! MBDF
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SOA Help
My husband and I are both going BR. Preparing our SOA's am i right in thinking; 1. We both put the income from child benefit and maintenance payments from my ex as an income (can't see this as it then appears twice if you add it all together) 2. We split down the middle all the household expenses (we earn similar amounts)…
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The Last Penny Has Finally Dropped
My husband has massive debts, Northern Rock, Halifax, Egg, Lombard.... all totalling around £100,000. As we are in Scotland, last year he signed up for a DAS - which he has been paying for 12 months now - which makes £6000 toward his debt. At the time I found out about all this (yer damn right, it was a hell of a shock) I…
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DMP and SOA
On my SOA do I put the lower DMP payments to the creditors or what they are asking me for in their letters and statements?
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co op account.
has anyone been or had to close a co op account after br as myself & my wife have opened a joint account prior to br which is sept 10th. i understand that it may be frozen when br for a short time but will we have to close it & open a new accountie seperate if it has to be closed.??:confused:
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Court TODAY ....
Well the day has come, Thank You so very much to everyone who has helped me get this far, despite all the nerves and worring it does feel very good to be taking control and doing something. :T I will post when i get back to let you know how it all went Thank You All :beer:
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Foster care allowances
Bit of a niche one this but does anyone know if the OR can touch foster carer allowances? They're generally considered inviolate, they don't affect benifits for example and are only taxed once you're earning a lot, you can get around 25K before you pay anything at all.
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house repossession;ccj
I'm not sure if I'm in the right forum, but I would be grateful for some advice.About 2 years ago I received a letter stating a house I owned and had lived in with my ex husband had been re-possessed after 15 years.(in my naivety I belived he would stay there and carry on the mortgage.It was in my name but I couldn't…
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OR and work related dilemma
Hi there, I work for a small company on a self-employed basis and although the majority of my work is done there, very occasionally I need to write up a report from home. I'm about to file for BR but my (rather old) PC is clearly on it's last legs. How would the OR view me buying a (cheap!) laptop replacement before I do…
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House Value
Who decides if your house has equity or not - surely they cannot tell unless they try and sell it? Is it based on a valuation that is actually carried out or a general idea from the surrounding area? :confused:
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Can I have your comments please?
We are thinking about whether we should go BR (due to a £14k reduction in wages) on our unsecured debt in the hope we could keep our house which we are pretty confident is in negative equity although we have not had it valued but to have any equity it must be worth more than we paid for it in 2005 which I just don't think…
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how much do we pay for BR
sorry just another quicky still deceiding about OH what is the pence to the pound you have to pay each month (both iva's come to about £400) (est 32p to the £) also -- how does going BR affect his or our future????? everyone who has done it, seems very happy now, (i still have 3 years with iva). dont know what to…
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please hep
Hi all Really desperate for a bit if advice before i approach my mortgage company.. Along story short is that i have split from my partner and have tried to cope with debt by entering a DMP but now my ex has lost his job so unable to pay any child support. I am now in a position where i cannot cover the mortgage and have…
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SOA excluding our son's DLA.
Have just done a new SOA, can anyone check this for us, anything need changing? Thanks. Household Information[/b] Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1750 Partners…
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Payments on surplas income
Exactly how does the payment scale on your surplas income work? I know that I've read they won't take anything if you have less than £100 left, but does that mean £99 = nothing, £150 = £75, or, £99 = nothing £150 = £25, half of the excess over £100?
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Online Form Locked can i change ?
I have locked my online form and have a refrence number, I want to change a couple of things (include the benefits on the SOA) I have downloaded the Word file from the website and changed the relevant items, then printed and replaced just the pages i changed on my Petition. Is this ok ? Do they (court or OR not sure who)…
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Should i go bankrupt???
I am 26, I owe £27000 on credit cards and loans. I am already using Consumer credit counselling service to whom I pay £90 a month to then they pay my creditors. But they will only continue this while I am working full time, I am going to college in September so it will have to stop!!! I am trying to better myself, going to…
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question about soa
i have my phone interview with the official receiver next week do i have to include wifes earnings outgoings i pay for all bills etc she pays for kids clothes her own mobile etc??
