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Post BR and Pension question.
Howdy oh knowledgeable ones. How I bow to thee. My question. My Pension pot - that is not under the BR estate at all. I am looking to transfer it to a SIPP. So I have received today my letter with transfer values on it. but there is a paragraph on it that reads: I can confirm that a bankruptcy order is in place for this…
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help - filling out forms...in Scotland
Hi, My husband and I are both applying for bankruptcy - we live in Scotland. We are confused completing the application form. Do we half outgoings like council tax, insurances and council tax (is in arrears)? Also we receive tax credits in both our names... Or do we repeat the full amounts on both our forms? Also, when the…
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OR letter, is this normal?
Probably quite standard but just had the 'pack' through from my OR. They have requested details of Bank & credit card statements for the last two years and confirmation of when my last employment ceased. Are these standard requests? Other than that I just have to sign the standard forms and return. thanks for looking!
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Please can you have a look at my SOA
Hi, I am hopefully gonna try and sort my life out at last, my debts are all from years and years ago, ive tryed to pay them off then about four years ago i was made redundant when I was pregnant, and have not been able to get back into work yet. Anyway i have been paying bits and pieces always but now I just can't afford…
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What if there IS no money?
I have been reading these posts for some time now to help a friend, but I have one question that hasn't appeared before. If a company is owed money and they make you bankrupt, what happens to the debt if there really is no money to pay off the debt? Do companies apply to make you bankrupt on the assumption that you do have…
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car finance with b.r
Morning all, we rang our car finanace ciompany yesterday to say the we are going b.r on 10th sept. of course we need to keep our car as its a seven seater & have 4 children. also my wife works part time 25 miles away. they advised us that they have no prblem with us keeping the car as long as we keep up the repayments. (no…
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Is there a Doctor in the House? I have a discharge...
Whoo and le chuffing Hoo! There was me thinking goody gum-drops and yah-boo sucks to the Bank of Hell and its Associates I'll be discharged at midnight tonight - and when I went to check I'm already done! Yee-hah! Dances around the caravan wearing nothing but wellies and a big grin. Happy Discharge to me Happy Discharge to…
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Newbie here...need help
Hi guys I have around £25k of unsecured debt (mainly interest makes up that figure :mad:) which I've been paying off on a DMP for over 6 years now at £100 pm to around 15 creditors. I stupidly got myself into this mess by getting credit on catalogues, store/credit cards & loans thinking I could afford it as I had to work…
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Ccj
Can someone please answer this? (Because the government site, doesn't make it very clear) If I get a summons and respond with my SOA and offer of payment.. (Accepting I owe the debt concerned etc) And it is a realistic offer based upon my income (or lack of). And they refuse that offer, can they send in the bailiffs?…
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Going abroad when BR
I've been BR for almost 3 months, I seem to remember somewhere in the small print or heard a whisper somewhere that you need to inform the OR if you are leaving the country. I'm leaving the country for 3-days in August, is it just a matter of letting the OR know out of courtesy in case they need to reach you?
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Confused on payment for BR
Hi all I am due to ring my local county court tomorrow as I have just filed my br form online. I'm confused as to weather I need to make a payment for declaring myself bankrupt. I am employed part time, I have Child tax credit and my partner has working tax credit. Can anyone help please? Many thanks
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What happens next....?
Hi, I was declared bankrupt on 18/08/2008 so my year is nearly up. When am I likely to hear from the OR again ? Do people sometimes hear nothing, apart from the first interview,and then just check the Insolvency website? I don't have an IPA but I suppose they might try to set one up at the last minute. Thanks for any help…
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Call me sad!
Did this work?.Here is a pic of my first grandchild casey ella born 8.14pm on 17/07.Sorry it is not bc related as such. Just wanted to sahre with friends!Dx
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slough court routine
Can anyone say if, at Slough County Court, its usual practice to have to see the judge.? I know they have a walk in service so no need to make an appointment.
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How long did it take u to buy the BI?
Hi i have a very similar thread going but i was wondering, people who have bought the BI already. From recieving the letter saying u can buy it how long did it take till urs was complete? And did u send ur money etc right away? Thanks.
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Buying the BI?
So far the OR has said it looks like our house is in negative equity so we can buy out the BI for solictors fees plus £1. Today i sent off 2 valuations proving were in negative equity as he asked. What i want to know is if he agrees and is happy with what we have provided when should we expect the letter confirming we can…
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Questions my OR asked me today....1st Interview
Hey, Had first contact with my OR today, thought I post the questions she asked me, as I was dreading what would be asked, as I had no idea and was panic stricken! Hope it helps......? BR on Monday, didn't have to see the Judge. Told that I would be contacted in 2 working days for an initial, brief interview by OR. 10.00am…
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Soa
I'd appreciate members feedback on this. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1700 Partners monthly…
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Bankruptcy & Defaults
Hi All On July 15th 2008 I was declared bankrupt and the Halifax closed down my current account. I also had outstanding debts with Littlewoods direct about £1500, I sent them a copy of my bankruptcy certificate to inform them I was bankrupt and passed the account onto my administrator but they refused to acknowledge it…
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pension lump sum whilst bankrupt
Hi, my question is about pensions. I have a civil service pension and am hoping to take early retirement soon. I understood that pensions cannot be taken by the bankruptcy trustees, but I have been advised that if I receive my lump sum whilst I am bankrupt I will lose it. Is that right? I am not bankrupt now but one of my…
