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Worried just received IPOQ and another interviewwith OR
Hi all Hope you are all OK Went bankrupt in febuary and all was quiet Today Just received an IPOQ to fill in :eek: OR rang to say they want another interview with me with anymore business records Another letter to say did I want my life insurance to lapse or buy it? Worried sick now anyone know whats going to happen x
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Bankruptcy date cancelled
Have had to cancel BR date of 14th August as ..1, haven't got enough money for fees ....and.....2, Have to wait for IVA failure certificate....aptly CCCSVA sending out Breach notice but then have to give creditors 28 days.....in which time their given option to petition my BR.....[ no chance of them doing that !!!! ] So…
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Credit Report Update post bankruptcy
Hi there, have been released from bankruptcy since Feb 2008 but have had to pay £50 per month towards debt (what is this attachment called ?).. Have had a look at my credit report via experian and I have 2 unsettled debts still recorded. My Q'n is : will this be updated as soon as the £50 payments cease or should they be…
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Early Discharge
I went BR back in March this year, I have just received a letter from OR about early discharge :eek: I was so taken back I just don't know what to think. I have a small form to fill in.It says on the top right handside EDREV.
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SOA.....Is this OK?
Hi I'm not sure what is "allowed" so i've filled in the expenses that i have at the moment (minus debt payments as I will hopefully soon be BR) Any critism welcome along with pointers Household Information Number of adults in household 1 Number of children in household 0 Number of cars owned 1 Income, Expense, Debt & Asset…
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OR Phone interview tomorrow
Gulp!!! I think this is the part I have been looking forward to least... although she sounded very nice when making the appointment. 11:30am :eek: Dave
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Is there a list of generally accepted amounts for the SOA?
Hi, Is there a list of SOA items and amounts that are generally acceptable to the OR? I have checked out the BR sticky and can't seem to find anything though I suspect this is asked for often so maybe i'm just missing it? Failing that, can someone please list the items common to most SOA's, such as gas, elec, groceries,…
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Should I go self-employed just before BR, or wait?
Hi, Planning BR in near future (est. 1 to 3 months from now), none of the reasons for the BR are business related. I have an opportunity to start working, self-employed from home (computer programmer). Wages would be very small to begin with until business becomes known and trusted. No capital is required as I have the…
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Should I include Mortgage arrears in Bankruptcy Petition?
I am in negative equity, so im hoping the OR will not sell the house. However, I am in some arrears (3 months) - should I include these in the bankruptcy, or should I pay off the arrears before I go bankrupt? (which I can do).
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My SOA (Can someone have a look)
Household Information[/b] Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 0 Monthly Income Details Monthly income after tax................ 960 Partners monthly income after tax....... 0 Benefits................................ 0 Other…
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Catch 22 RE: Purchasing BI
Hi All, I intend to file for BR at some point in the near future. My wife wishes to buy the BI in our house (joint mortgage), and she needs to get a loan for this. As she has just started a new job it has been suggested that she wait a few months before applying for a loan. It has also been suggested that I wait until she…
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CCCS were magnificent re my BR plan
What can I say. I rang cccs o say that i have decided to go aheadwith BR. The lady I spoke to was so supportive and friendly. She took down my details and taked me through the process i.e what happens next, at court etc. The implications etc. Basically, I'm due to have another counselling session to go through the finer…
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booked court
hi all..well after a weekend of phone ringing,an only after 2 weeks of not paying creditors.col an myself have booked our day in court for early september,at least we have something to work towards now saving our fees.we go to bradford court,however its the o.r.in leeds we will be dealing with.hope they are ok.do any of…
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house insurance after bankruptcy
I noticed when looking at quotes for house insurance recently that one assumption they make is that u have never been declared bankrupt. My GF has been bankrupt but was recently discharged. Do insurers charge a higher premium for this or just refuse you point blank?? The policy would be in her name as shes the tenant here,…
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Travel
Wonder if someone can help me please. I was made bankrupt in March 2008, receiving an early discharge in November the same year (thanks so very much to this board for help and so much advice) Anyway, I think I remember reading somewhere at that time that as a bankrupt you are not allowed to travel to America. Is this the…
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At what point must Baliffs stop attemping to get money/goods? Marstons...
At what point can Bailiffs actually stop threatening too (or even actually) knocking on my door? I’ve made an appointment for a bankruptcy petition. (Its next month). Now, I have a few debts, but one particular debt for a credit card resulted in a CCJ of £2000. There is no warrant of execution, but “Marstons” have written…
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ipa and bro
Hi there i was made br in feb this year had my interview with the or i was seen by an assistant or i was given an ipa of £116 for 36months. Now last week i had another letter turn up got to go back for another interview and they are considering giving me a bro too , when i had my first interview the man who interviewed me…
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unsecured debt on my morgage
When i fill out my soa to take with me to court do i include my unsecured morgage debt on the bottom of the form and only put the morgage and secured debt at the top. I pay £775 in total £600 morgage and secured and £175 unsecured I have stopped paying my creditors now but still pay my morgage company the full £775 would…
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SOA, can someone please check it please
Hi guys, me and oh going br a week tomo and just need to finish filling in forms, can someone please check our soas?? thanks in advance Mine [FONT="]Balance Sheet[/FONT] [FONT="]Household Information[/FONT][/B] [FONT="]Number of adults in household........... 2[/FONT] [FONT="]Number of children in…
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zero tax code?
hi folks I've read somehwere today (no idea where, its been a heavy reading day lol) that theres some kind of zero tax code applied when you go BR. Whats all this about? Tried HMRC website but it pickled my brains :shocked: Bit worried if this is the case, as don't want employer to know, or any new employers to ask about…
