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how often doed the OR send out forms to review I&E?
went br 19th june'09, not got a IPA, my wages are due to go up £ 30 a month soon , told the OR and she said i was still below the £99 surplus and they would send out a form asking in 4 months anyway. Do they ask every so many months?:confused:
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how far back do they go ??
Hi my husband has got his court date for a couple of weeks time and we are wandering how far back do they look on credit cards etc ? And do we have to tell them what we actually spent the money on ?:confused: Thanks x
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Bankruptcy forms, online or paper
Hi, Just wonderingwhat the advantage if any there is of filling forms online? is it quicker? do u sybmit them online? Im filling out forms I picked up from the local court but not sure which option is best. john
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OR Phone interview this morning 14/7/2009
Hi all, As promised here is how it went for us today. To briefly give you our situation, wife works 16 hours, we have one child, I was made redundant in March. We were on a DMP for 3 years up to redundancy. Phone call was booked for 11:30, and it rang on the dot. A very nice lady spoke to myself first. She was very easy to…
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o.r
:ohas anyone been dealing with an o.r from the bristol area & what are they like as we will be in september. just hear different stories.
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SOA - how does this look ?
Monthly Income Details[/b] Monthly income after tax................ 1418 Partners monthly income after tax....... 625 Benefits................................ 0 Other income............................ 0 Total monthly income.................... 2043 Monthly Expense Details Mortgage................................ 479…
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How long after OR interview till u knew if u had lost ur house?
Hi the title kinda says it all, i'm so worried. Also scared for my baby the stress is not doing either of us any good i'm 20 weeks and been in hospital 3 times in 2 weeks due to scares. I just need to know if i get to keep my house, its tearing me apart i cant make any plans for my baby :cry: We have our interview on…
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Just heard from the OR today...BUT!
He doesn't want to speak to me!:confused: he just sent me some forms to sign and send back, and in his letter he said ....."Upon reviewing the information that you provided to the court, i have decided that it is not necessary to interview you at this time. It is possible that for various reasons, i may decide that a…
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OR Interview how long after BR did you have yours?
We went BR on 7th July and spoke to the OR breifly that evening checking a few details with us etc. Then said we would have a longer interview soon by telephone, but we still havnt heard anything from her. Just wonderd how long did it take to have yours, and when do they start taking a % of your income if you have any…
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need help with council tax !!!
i just received a liability order for a council tax included in my BR and i really don't know what to do ? this is not a huge sum 200 pounds but this is a principle..... they have tried many times and last month my OR rang them up to tell them to cancel this the proceeding .... they told us they have cancelled the…
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Do I need to tell Mortgage company our plans?
Afternoon all, Just a quick question, we are just saving up the BR fees and should be moving into our rented house in early september. We have now missed 2 months of mortgage payment and will be handing back the keys when we leave the house. We are getting lots of calls from Northern Rock, can I just ignore these or do i…
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Time Running Out
Am going bankrupt at the beginning of August. Just had a demand for council tax arrears of £180. I have moved from area, and was wondering if I can add that to bankrupts. Also haven't paid CCJ's for over a month. Bit worried I might be taken to court before I go bankrupt. Is it a good idea to write to my creditors and tell…
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'Are you bankrupt?'
Edited....
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SOA and the OR
Hello all, Im about to fill out my SOA as im due to go BR soon. At the moment i pay £550 for the rent and my half of council tax. My partner pays £250 for the gas, water, electric and her half of council tax, we do this as i earn £250 more than her so i was just wondering if the OR will allow us to still do this or will…
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Unsecured creditors, ??
Hello, Just a quick question, im just filling out bankrupcy form, and I am sorting out the people I owe money too, in the " list of unsecured creditors" section, do i list the company i owe money too or the people that are chasing the money? as an example if i owe £1000 to nat west do i put nat west or do i put bobs…
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Worried, please advise.
Hi all, I am going B (changing my mind a million times) The reason for my B is for several reasons, mainly change in circumstances and health. The spending was due to 50% living costs and 50% are because i spent beyond my means in the hope and vain that i would be able to to pay it back. Most of the credit cards i have…
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housing rental question?
I currently live in a 3 bed semi which will be repo'd once I am BR. Can I rent a similar size property or not? Ihave two adult children. both students. One Ft student at home. One who comes home on weekends and holidays. I also need a study area as I'm a professional and do lots of work from home, i.e reports etc.…
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Do you ever recover from BK?
Hi there, I was wondering what peoples thoughts were, having gone bankrupt in regards to their furture. I am still emotionally recovering from going BK in November, and I am really unsure of what the future holds. I know it was the right decision to do because I had no way other than down to go before BK, so although I…
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should i shouldnt i
we have been accepted for rented house to move in end of august. we are giving up house voluntarilly. we are due to go br on the 10th sept. we tried 6 estate agaents & were honest with them about our situation & all failed to help due to this. we have since with the above rented that has been accepted not said anything…
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Bank Account Query
Hello, just a quick question about my bank account. I was made bankrupt on June 26th and had my interview with the official receiver yesterday. I opened a cashminder account a couple of weeks before my bankruptcy, when the OR first called to arrange the interview I told him about this and he said it would be ok, however…
