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question about ipa
i was wondering if anyone can help we are about to go br and when we do i will have to close my ltd company and let the few staff i have go. i will be setting up as self employed to get me throuth the br period so my question is? i will have no idea how much i will earning to start with and im sure it will vary each month…
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A large pile of mess to clear up HELP!!
A long story for stressed out mummy i run a business which I have borrowed heavily on my credit cards to fund. With the downturn & major staffing problems (with a list of going ons to run for pages) we have not been able to pay any sort of salary for months and in major arrears on everything. We've been living on tax…
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call from OR has left me feeling pants!!!
I went BR on 19th August 2009. I had no interview with OR as they felt it wasnt needed at the moment. My income was £1,000 and outgoing £1,000. Have received a call today that has left me feeling really down. My car value at book value is approx £2,500 and they have told me its almost certain i will lose it as part of the…
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Another couple of questions
Hi =- Posted last week about having to file for bankruptcy and you were all so welcoming, I have a couple more questions. Firstly, as it is going to take a fair few months to save up £510, how do I deal with the creditors until then? I have now had two letters demanding full payment of credit cards, and I am still too…
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Dont know what to do
Im heavy in debt since i lost my job outside the uk in june 09, spent my last wage on moving back along with putting the rest on my C/Cards. Have a loan as well, and now my marriage is over and i do not know what to do. I have just got a part time job but i have more going out than coming in.Im at my wits end and do not…
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creditors hanging up on phone
hi all,as you know we went to court last tues.so been a week now.i couldnt wait to answer the phone calls an give them the news,after 4 month of hassle from themringing up tp 15 times a day.so confident voice at the ready. hello...they then ask your name ..yes speaking..they just hang up!!!!!!i thought at first just a…
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Personal belongings + reclaiming bank charges post BR
Hi everyone I'm planning my BR for next month and this site has been life saving. I had two questions I was wondering if someone could help with. 1) I've read that in personal BR your belongings (car aside) are not usually looked into by the OR - does anyone have experience otherwise? I'm thinking computers, TVs, cameras…
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2 Days to go !!
Well 8.30am Friday is my appointment time...am absoluately petrified !
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Can my student loan be taken off me when going BK?
Hi I hope someone can help, I'm about to go back into full time education for a while (as a mature student) as I have lost my job and with nothing around for probably at least a year I thought I'd use my time to study again. I have large debts from a business that folded a number of years ago and as i have no savings or…
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Tax Debt, Limited Company Asset Questions
Hi Everyone, Im currently in a sticky situation and looking for some advice with regards to Tax Debt. I currently owe the following tax: (long story short made a few business mistakes, you win some, you lose some, but hey you learn from it.) £16,000 (sole trader accounts) Overdue Jan 2009 £20,000 (limited company accounts)…
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How do i calculate HB and CT
My housing benefit and council tax are always changing, dependent on tax credits and family allowance as theres been a few changes...so how can i state what i get weekly from them....i think i am still due an updated letter as just sent housing benefit a letter on monday re a change in circumstances for DD, i think apart…
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Payments after bankruptcy ?
Hi all I went bankrupt in august and have had my call from my offical reciever and the OR has told me that after calculations I have £160 after my expenses and they want £85 each month for 3 years I asked what this is about and the reciever made no sense to me about it at all other then it goes to my creditors .. can…
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About to file BR oh my god someone help
Hi all My names Rich and I was a young business man with a thriving recruitment company. the recession made several of my clients go bust and so on and so on (heard it all before i know) Anyway when i lost the business I had a nice apartment rented which i lost and a car on HP which has just been repo'd and a few loans etc…
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what is an examiner??
Hi all. just had date for interview, 21st sept. now worrying, cant gat all paperwok we need for the last 12 months & what is an examiner?? they are conducting the proceedings!!! :confused:
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married couple, how to complete forms?
Once again i have a question if anyone would be kind enough to tell me. If you are married and have always had joint bank etc, money classed as one...how are you expected to fill in two seperate forms? I work part time since having our daughter and am a student, OH is full time. When we filled in forms for Charging orders…
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One more thing - sorry!
When will my name appear in the London Gazette - went BR 18th Aug and it doesn't appear to be there?
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What Next?
I'm sure this has been asked a million times but after you've been interviewed by the Examiner (F2F in mine and OH's case 'cos of Business) when do you next hear from them? Do they send any info confirming anything - i.e. IPA (whether or not there will be one set up), info on whether you can keep your car etc etc Just…
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Day in court and a warning to anyone applying for fee remission
Well folks as of 12.22 today my OH was declared bankrupt. It was a simple process and he said that it wasn't as bad as he thought. I think he expected an interrigation room, with a big spotlight shining in his eye! I tried to get him to read some of these posts but he didn't want to. He says he feels a bit numb, but ok.…
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Getting Worried Again At The 6 Months Mark
Hi all, hope you are all well and life is good. Me and the other half went BR 6 monthish ago and we have letters saying that our files are going to a different RTLU, which is fine and fairly normalish for several reasons that you good people have explained. My concern and question is that on a seperate document with this…
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Br 2 months ago and silence
Just a few questions. Went BR on the 23 July had interview a week later which went well and was told that we will be sent new forms to do our IPA again.Since then we have not heard or received anything from the OR. My husband did phone and spoke to the admin staff who informed him not to worry, but that we will hear from…
