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how long does a CCJ last?
I have a CCJ for £48,000 (long story). Will I be making repayments until it's paid off (forever!!)? Or is there a set time when it is considered 'spent'. Thankyou.
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Private Rent and BR.
As most people will have seen from my previous thread's, we're going to move into Private rented accomodation before my DH goes BR. How does this work though? Most of the property's I have seen are through Letting agents, will they not have a right to evict us, when they hear of the BR? Also with alot of the letting…
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Filing for BR from outside UK
Ok I have realised I cant carry on! I dont earn enough So today I have cancelled all my DD to loans and credit cards But ... I dont live in UK I cant get back to UK unless somebody lends me the air fare; highly unlikely right now So what happens next I have contacted a couple of my creditors asking to reduce payments,…
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No IPA/IPO but have just got nil tax code
I have just been told i am on a nil tax code, came as quiet a surprise, even more so to get on here and find out a company called Moon Beever might get in touch and ask for it instead. eh? Sounds a bit hokey to me. I was never asked by the OR to set up an IPA or an IPO but the PAYE at the HMRC have issued an NT. What is…
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ok new letter from OR - confused (again!)
hiya guys hope you are all keeping well - havent been on here for a while to post but been hovering :o just got a letter from OR (trustee) and not sure what it means - so heres a couple of snippets outta the letter - if anyone could shed some light on it that would be fab: I, ......, the official reciver and trustee of…
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OR interview done....many thanks!
at 9.30 today I had my Or interview. It was a lady who was very nice and understanding. She was fine that I only had 7 months bank statements...and said if needed they would get them directly form the bank. She breifly went through the masses of debt my wife and I had accured over the years....and I could only tell her…
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ISA & Building Society Account
Just wondering what will happen with these as I'm filling in the forms very soon!! I only have about £5 in each is it worth me taking out the money and will the OR have a dim view on this????? (considering it's only a tenner!!) Thanks
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Thankyou-thankyou-thankyou
Just want to hug someone !!! Hubbie just rang, had OR interview, went very well, said not enough £ at mo to do IPA, but will send forms in 3-4 months to see if much has changed and apart from that just get on with our lives. :j:j:rotfl::rotfl::T:T:j:j:beer::rotfl::T Blokes I work with unfortunately arent huggable and quite…
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Tax Credits...
Just to make things a little more non-understandable, sorry!! Our son got awarded DLA in July09, made the claim back in february, so got a back-payment, which I've spoken about. However, I spoke to the HM Revenue & Customs, regards the Tax Credits. Just had the paperwork through, literally, so thought it best to question…
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reason on form
hi everybody..just a bit of advice needed please.on the reasons for b.r.penny an myself are obviously filling in 2 seoperate forms.however because of pennys disability its me that sorted out the money side of things,although we have loan an 3 credit cards in her name,i have 3 c.c. in my name. however when giving reasons…
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Tobacco & Opticians
Can cigarettes/tobacco and opticians (DH pays £10 per mth for his lenses, and I have to wear glasses, so have to have an eye test every two years) can these be added to the SOA?
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30mins to go or interview
stomach is churning does everyone feel like this before???
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OR Questions.
I'm not sure whether I can ask this, but just wondered what sort of questions the OR will throw at my DH, when this time comes? Will the OR question money that we leave in the 'old' joint (soon to be just a single for me) account, after my DH has opened the Co-Op one? There's Back payment for DLA in this account, and…
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Bankruptcy - Separated
Hello, i hope you dont mind me posting this question but my husband and I separated last year unfortunately due to pressure of debt etc. The house I live in with the 3 children is in joint names He mentioned that he was advised to go bankrupt. If this happens would we lose our home as a result? My initial thoughts are that…
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Capquest debt recovery bullies
hi all yesterday received a letter from "CRAPQUEST" threating legal action if i donnot pay for a "debt purchased from abbey" balance due £1508.00 . OBVIOUSLY CQ BOUGHT BULK DEBTS FOR PENNIES WITHOUT CHECKING DETAILS. this debt was included in my bankruptcy order in nov 2006 .i was discharged in sept 2007. this was a very…
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Child benefit gone into old bank account
Hi, Hubby and I were made bankrupt on 2nd July, opened a new bank account with coop and changed everything over or so we thought. When I spoke to the child tax credits they told me they would inform child benefit too. My tax credits have gone into the coop but my child benefit has gone into my old account which is…
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Sheriff Officers bill - Scotland
Hi My house is due to be re-possessed tomorrow and i have received in a bill from the Sheriff Officers who are enforcing the eviction. What happens if i don't pay them? Will the mortgage company have paid the Sheriff Officers fees when they instructed the action? Will the Sheriff Officers pursue me seperately or will it be…
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Monthly Expenses
Hi, Got a problem and wonder if anyone has any advice. I went bankrupt three weeks ago, and had my (completely painless ;) ) OR telephone interview yesterday. I've been operating on autopilot for a while now, but I think the relief of having dealt with it has made me realise (at 1.30am :D ) that I've made a mistake on with…
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The Car.
I believe my OH may lose the car when going BR? Not sure the value of it, but he has a Ford Mondeo Estate, 2005 (55 reg) At the moment we live in Nottingham, so the commute to DH work in Derby is about 28 miles there, 28 miles back, however because we'll be moving to Derby before going BR, he won't have so many miles to…
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OR Information
Hi Everyone, hope you are all well on this wet and windy evening (it is here anyway). I have now got my court date 27th August (3 days before my 32nd birthday!!) and was just wondering about the OR interview. 1)When you first speak to them do they just tell you verbally what info they require for the full interview or will…
