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Advice appreciated on SOA
Hi, I go to court on the 12th Oct would appreciate some advice on the limits for outgoings and how much of the excess is likely to be paid in to bankruptcy fund? Is 3 years the norm for attachment of earnings or is it usually less? Any help appreciated! Statement of Affairs and Personal Balance Sheet Household Information…
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Tax code
just a quickie, my Bk ended in june this year but my tax code is still NT?
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Quick question?
This is just a hypothetical question, if i had money saved with a credit union when gone br would the OR ever find out if i didn't tell them and if i took a loan out with the credit union for the BR fees would they find out if i didnt say anything. This is just a hypothetial question.
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CT issue & personal statement
I need some advice on how to phrase the following on my personal statement. The main reason I'll be applying for BR, despite having been in debt & hardship for over 5 years and never having missed a payment, is that CT debt emerged to the tune of £3,500 that the council demanded by the end of the fiscal year. Basically, I…
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TotalDespairs SOA....help please
Have done SOA as a couple, and as I have moved in with OH I lose my Income Support and Disability Premium so I have no income , only income we have is his monthly wages, not sure if I have done this correctley so do please amend as needed. We have stopped ALL payments on everything but essential outgoings, no payment on…
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Getting back on track!
Hi, I am seeking the advice of people on this forum regarding getting back on track after going bankrupt in 2003. I was made bankrupt on 21 sept 2003. What do I need to do now? I am looking to get a credit card and improve my status so that in 3 years time I can apply for a mortgage with my new wife, currently the mortgage…
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SOA and or interview
hi there i went bankrupt on monday and now have my date set for my or interview when i do my soa do i include anything from my wife ,it basically balances at zero left over . i ask because when i look at everybody elses they are always for 2 people.
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Please check our SOA rectified after advice
Hi all We have made some changes to our SOA after advice on the forum Please could you look over it and make any alterations or comments. THANKS Household Information[/b] Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details…
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SOA sheet link please
Afternoon all. Has anyone the link to the SOA thing its makesenseofcards one please?? many thanks Lexie x
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hOW DO I FIND OUT IF I HAVE BEEN DISCHARGED?
Am i right in thinkinng there's a website i can check?
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Going Bankrupt, whats the worst thing I can expect ???
Hi I'm just about to start the bankrupcy process... (not even sure how long it takes or how much it cost etc so some advice would be helpful here). I basically have no where left to turn financially and with debts coming out of the wood work, I wondered what is the worst thing I can expect??? I accept I'm going to loose my…
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Post Br information needed
We are automatically discharged in 4 days :j Once this happens do we have to tell the OR anything, or is that it? One of the reasons I ask is my partner wants to change his surname to mine, so he has mine and my daughters to be a family. We didn't do it during the BR as we thought it might look odd. Also is there any other…
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inhibition to sequistration
one of my creditors gained an inhibition for a business debt can he also sequistrate me , they are calling me & writing using threatning tactics to get more money a month from me , i thought getting to the inhibition stage was proof of my relative insolvency & that their choice was inhibition or sequistration not both .
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new to this and need to know im doing it right!!
ive been trawling through old posts and i think im doing this all the right way but i need someone to say yep thats what i did!!!! basically im now separated from my husband, we're about to give the house up as a voluntary repossesion. then both file for bankruptcy, am i doing this the right way round or does it not…
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declaring 13 years after discharge
Hi, Thanks for such a brilliant forum. I've trawled through most of the forums and can't find an answer to my question. I was discharged 13 years ago from a straight forward bankruptcy. I am about to become a director of a company who are submitting a tender to a government agency, in that tender we are being asked if any…
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After BR discharge-Credit rating impact!
Hi All Once you have had your BR discharged whats is the actual impact on your credit rating and ability to borrow? Tech2
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Help, not sure what to do
Hi hope you can help, my husband and I are in about 25k debt with credit cards, overdraft and loan. Our mortgage was on a fab deal for 2 years and about to go up by around £600 a month, which we cannot afford. I am on Incapacity benefit for long term illness so only my husbands salary coming in. I have been to see CAB and…
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Forced Sale-Any Advice
Our trustee is taking us to court next month to obtain an order for sale of our property. We've decided not to fight it as we can't raise the money to buy the BI. We're looking for rented at the moment. Does anyone know what happens from here on? Thank you.
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Laymans terms needed for NT tax code, if you will be so kind
I'm so confused! My DH will be subjected to a nil tax code. We were br 10th August 2009. My DH salary was paid into our account as usual,, i.e. with the tax already deducted. What is supposed to happen with an NT tax code, what do we do about it, what do MoonBeaver do about it and are we liable for a bill coming for a lump…
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Life policy's HELP REQUIRED Please
Hi Do I understand that the OR will only take in an interest in a life policy if it has £ value? As we have some policy's that have no cash in value but pay out on Death, Disability or Cancer etc... Please advice on us on this and what if anything we can do to protect them! Tech2
