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Should I have fallen from the IS website???
Hi All, Just checked the IS website to get RTLU details for my case and Im not on it anymore:confused: Checked, double checked and triple checked. I was only discharged in June, shouldn't I be on it for 6 years from BR date???
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Ipa
Hi Everyone, Been BR since July 2nd and so far no IPA awarded, although the OR wants to look at my husbands payslips for October to check how much overtime he is working. The thing is, I am considering applying for a new job which would definitely put me in line for an IPA. However, come April next year, my tax credits…
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Bro
If you get a BRO does the bankruptcy still fall off your file after 6 years from the date of the actual bankruptcy or is it 6 years from the last day of the order? For example if you get a 6 year BRO would your credit file will be clear in a total of 12 years? :confused:
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The beever of moons
Had a letter today saying they want my last 3 payslip, but the want them every month from now on too:confused: does this always happen? Also the OR has said my tax is £106 p/m but its more like £118 based on my wage increase which I told the OR about. So will they contact the OR when they get mmy wage slips saying £118…
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The High's & Low's of Bankruptcy
**Warning slight brain dump, getting off my chest unload coming up** I don't think I've had such a emotionally rollercoaster as we've gone through in the past 5 months since going BR. The most difficult thing that we found is the whole being in limbo, waiting for the OR's decisions along with trying to find a job, just…
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bankrupted by HMRC - their solicitors haven't passed on payment that I made!
Hi Sorry about this but I have lets of questions in here - hope someone may be able to help. The main one is do I have any way of taking action against solicitors who took a payment on account towards my debt but have only just acknowledged the payment, despite being faxed proof that I disputed the claim and had made a…
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Bankruptcy & HP
Currently we are living in a touring caravan on a permanent basis but the debts are getting too much and I am considering bankruptcy as all the debts are in my name. My wife does not have any debts apart from a CCJ which is £20 per month. All main debts amount to just over £20000 and then we have 12 months left on 2 mobile…
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Final SOA before i have my appointment with CCCS
Hi guys could you cast your eyes over this before i have my appointment with CCCS today about going BR. I know this is the only way forward and have made the court date already for 25th Nov. Thanks Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of…
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Really need help please!!!!
Hi to all, I'm currently in the process of registering as a sole trader but i have really, really bad credit and would need a loan or a grant to help finance my business. Is there any method of getting credit to fund my business idea :confused: Or should i clear my debts through bankruptcy, but by going bankrupt, does this…
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How to see the CAB when you can't phone them and they don't accept callers ?
I've tried to speak to the CAB but despite dozens more calls to them, I cannot get to speak to anyone and they don't allow people to just pitch up. I'm a single parent with a young child and cannot traipse off here, there and everywhere. Any ideas ?
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Interesting Northern Rock conversation
I called Northern Rok a couple of weeks ago to let them know about bankruptcy and to enquire about voluntary repossession. The top and bottom of it was that in order to go ahead with vol. rep. we HAD to sign their form which I (some time later, asking to talk to supervisor) found out to mean we'd be signing for liability…
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3 years on
Just popped in to say hello to some old friends who shared the same angst as I did all those years ago and to reassure the newbies that its a fresh start and nothing to fear. 2 years in Italy and now about to start a new life in Germany. I see that the advice is still in very good hands and you should listen to these guys…
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internet help
just come off phone to debt helpline and had a right good chat about all my stuff,he said br would be a good way to go but depends if i want to keep my motor bike which im not bortherd about it going,1 question i forgot to ask was internet i know the or wont let me have it but others have said needs to be funded from some…
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CCJ how long before they come knocking.
I'm after some advice regarding a CCJ I think I have that I knew nothing about. It appears that I may have a CCJ from my old address which I never knew about or had any correspondance about. I saw it on my Equifax credit file a few weeks ago while checking it. It is dated Jan 2008. I moved out of that property in Apr 2007…
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SOA- PLease have a look
This is my SOA. Please note that I live in London, hence have factored in cost of groceries, toiletries and cleaning products. I lived in my property but could not keep up mortgage, service charges and internal repairs, property has bad damp so had to move out for fear of repossession- hence i am currently paying rent in…
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IPA Delay
Got a letter from the OR confirming that my IPA would be £60 a month and would start paying in June. Confirmed I was happy with this and have heard nothing since - not that I'm complaining, just wondered whether anyone else was having this kind of delay.I did write to the OR in July but got no reply,in fact have written 3…
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Cap Quest and other issues, advice please!
Hello All I have received a letter from capQuest dated 18 June 2009. The heading reads Barclays Bank plc v Mrs XXXXXXXXXXXXXXX XXXXXXXXXXX County Court, Claim No XXXXXXXX Balance £13874.48 'We regret you have not responded positively to our previous corespondence and that the judgement against you entered on 14 SEP 06…
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What next?
Well over the last few weeks, my husband and I have realised that we are in serious financial trouble and are no longer to balance all our outgoings. To date we have never missed a payment, but my husband is self employed and work has been gradually getting slower and slower for him. On top of that, I've been really unwell…
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Form 6.28 Help please
In question 3.1 (2) Cash in bank, building society or similar account do you just put down your current balance for your bank account ? or do they mean savings that could be an asset ? Thanks
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Sams experience of bankruptcy (so far)
A few months ago I was carrying a very heavy load – debts from way back when, mostly from my divorce and from trying to escape an aggressive ex. Back then I lost my house, my car, much of my life…….. and I retained debts. For many years (nearly ten) I have paid and paid and paid and it’s been tough but I never considered…
