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Total household income ?
Hi I live with my Fiancee and we share the bills (we both work full-time) Form 6.28 asks for total household income in question 6.8. Do I ignore my Fiancess income as I will only be putting my half of the bills in outgoings ? If I add her income it will leave excess which isn't the case as she uses this to pay her half of…
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BANKRUPTCY SERVICES HELP PLS :) Has anybody had any feedback from bankruptcy services
Hi All, Ok here goes after seeking advise I basicaly have to go bankrupt I owe 18k and my incommings are less than my outgoings without the debts on top. This was all due to being layd off at work and taking a lower paid job. As I said, have had advise from CAB and debt helpline and is really my only option have been…
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Nil tax code
Just had a letter from Tax office saying that they are going to give me a Nil tax code, not a problem, though one of my jobs I should pay no tax anyway but have been on BR code so have paid tax will this be refunded and in turn will I have to keep the money to one side just in case I need to pay it to OR or is it mine as…
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Hello again
Hello everyone. I used to post/reply here earlier in the year when myself and my husband were considering br. We are still in the same situation, have not yet managed to sell our car but on the advice of the CCCS are contining to advertise it to raise our fees for br and buy a cheaper alternative which I hope will not be…
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Help Please
Hi there, I am thinking about bankruptcy, does anyone know if i where to go bankrupt would i lose my home? My main worry is i am self-employed and i work from home therefore no home, no job, also my husband is self employed and shares his business with his cousin would this mean the company would be closed down it is a Ltd…
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bankruptcy fees help
i will be going bankrupt in the next few weeks due to hubby moving out leaving me with to much debt for either of us to pay now. i currently work 18 hrs a week and get tax credits and hopefully housing benefit i earn 7000 a year and was confused whether id get help paying the costs. ive not had any help with the decision…
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Bankrupt & Unemployed will I ever get a bank account EKK!
Finally went through with it and was declaired bankrupt @10:15 sept 9 2009 So I thought I would start a fresh by trying to open a new bank account oh dear!! Not looking good, tryed all the usuall suspects that are mentioned on this forun like Barclays and COOP but no joy was turned down.Just wondered if this could be…
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another question about an ipa
if i was put on an ipa for three years paying £150 per month what would happen if after i was released from br my earnings went up quite a lot would i have to pay a lot more ,do they take a % of your take home pay
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phewww OR interview done
Just had my OR interview and would like to say a big thanks to everyone on this board:T your advice has been great and I managed to come through the other side.The examiner has told me my car is exempt and I will be paying and ipa of £100 per month so not as bad as I had expected,though im not jumping for joy just yet…
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Help please Debt Collection
Sorry if this is wrong place to post . I am a discharged bankrupt, (discharged 2006) and life has been going on nicely since then; but to my horror yesterday , I received a letter from a debt collection agency saying that I must pay them £109.89 by 24th September 2009 or they will get their solicitors to commence legal…
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tips for OR interview needed
I have interview in a bit ,what sort of questions are they likely to ask ? I think im all prepared I have statements layed out over table but still apprehensive .I expect we all feel like this before hand,cant wait to its all over the stress has been awful.
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Tax Office and not OR
I have been notified by the Tax Office about getting NIL tax Code but not from the OR is this normal
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Post BR issue....
Hi everyone - please can somebody offer me some advice on this. I went BR last December and got discharged at the end of July. My house still hasn't been repossessed and the Council have summoned me and my partner to court for unpaid council tax. I left the property in November 08 and moved into rented and am obviously…
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I've been discharged!!!!
Had to share with someone, I've been discharged today!!! I'm free and it feels like Christmas has come!!!! I looked on the register and Im still on it although it says discharged, how long do I stay on the register? Also, does this mean that I never have to contact the OR office to update them on my earnings whichever way…
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Question re Barclays Cash Account
Another question please: I have opened a basic cash account with Barclays - however I now realise that the money I owe on my Barclaycard will be lumped into the BR figures - I don't have the money to clear the debt, and now realise that the OR would frown on clearing one debt in preference to others anyway... My…
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banks
Hi all thought i'd share my experiences with you all, over what i personally have found the most stressful part of bankruptcy -- bank accounts - the OR will write to your bank and tell them you are bank rupt - i was with halifax with their very basic account no overdraft -and they imediately froze my account even though…
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More advise please
My brothers phone interview ended with examiner saying when they have completed their investigation and report, it will be handed to the "administration team". Can you say if this is normal proceedure. The examiner didn't seem to make much of it, but I haven't seen anyone mention this and i'm a bit concerned. Thank you.
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How much will i have to pay after BR?
Hi, I have quite a few large debts after a failed business a few years ago, I have just lost my job with nothing else available on the horizon. I am either going to go on JSA (for potentially upto a year) or go back to university (I put a thread on earlier today about student loans and BR and got the info I needed - thank…
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moving bank to avoid embarrasment...co-op or stall with another??
Evening all, We are looking into moving banks as we hold a staff account with my OH work. Although it is not yet 100% that we will going BR untill we speak to CAB my OH is already feeling pressure with trying to keep the account in the credit. He dosent get charged but a regular grilling from the boss is adding to the…
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Think I'm about to go bankrupt...please help:(
Hi All, I'm afraid I'm in a bit of a jam. Over my short 26 years I've managed to rack up over 15000 grand's worth of debt, all on credit cards. Having turned the corner of unresponsible spending, I now don't know where to turn. I have been transfering balances every which way to stay on 0% APR's for years and with the…
