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Bankruptcy and NT (Nil) Tax Code
This is not a request of advice but a discussion. A friend has recently gone through bankruptcy and was aware that he would be on a NT tax code if sucessful, where he employer does not take away any tax from his wages. Several of us helping him through this, saw it as he does not pay any tax until April the following year.…
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Money in Bank
Please can you tell me whether any money in the bank account (not that i have any) but I do have salary bank into my cashminder account and it is to cover mortgage payments, direct debits, etc. I will be going BR on the 1st October 09, when I just got paid, there will be money in the account but those money are to cover…
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Please help
Not sure if anyone can help - we had some debt in the form of an IVA -the IVA practitioner advised that we could satisfy the IVA early by remortgaging. We found a broker and remortgaged based on the house valuation - at the time we thought the valuation was high but took it as gospel listening to the experts. We were then…
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Complication with house
Hi guys, I wonder if anyone has an answer to this... My ex-partner and I bought a house together, there's a mortgage and a secured loan on it. I'm pretty sure it's now in negative equity. Since we split up, I have been living in the house with my sister (she's here to help make ends meet), and paying the mortgage interest…
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Co Op Cashminder.... AGAIN
Hi folks, I was accepted for a Co Op Cashminder account on Wednesday, was told by a very very chirpy and helpful woman that I would receive my welcome pack and just needed to send a utility bill or bank statement in as proof of address. Not heard anything since... Anyone had this experience? It's 4 days now...
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Here's the SOA please have a look!
Hi all Still not sure which way to turn, but we would appreciate any advice on our SOA. Thanks Household Information[/b] Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 2105…
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What things to boost credit file
When I have been discharged what things should I do to boost my credit file, I do not want a credit card as I have seen suggested in the past. If I was to get a phone contract would that help, if so who would I have chance of geting one with. What other things will help boost it. My hsuband still has van finance and…
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Ding dong, HMRC calling! Could he have broken in?
Had a fun (not) moment the other day which got my heart racing. I'd not been home for a few days (was staying with the Mrs) but came back for a few days to sort out mail etc. On my first day back, a certified bailiff working on behalf of HMRC (VAT) turns up at the door telling me he was here to collect £7k ish in unpaid…
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Money has been accidentally paid into my old business account
Hi all, Sorry I've been a bit quiet of late - all is fine, just been very busy! I hope everyone is alright and tigerfeet I hope you get better soon. Got a bit of a dilemma that I wouldn't mind advice on if I may. For those of you who don't know, I went BR back in April. Got an EDREV letter through which I sent back about…
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Just cant get my head round it...
I need to go bankrupt, I need to save for BR Ive got letters saying they are sending debt collectors around. Sometimes my teen daughter is on her own for few hours, what if she answers door to them? Shes always got mates coming round, god she would be sooo frightened, what do I do? How do I keep these people off my back…
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Opening Barclays Acct
Hi, Anyone that's opened a Barclays acct after BR whilst undischarged did you have any problems? I'm about to open one and just wanted any info. I did wite ion my form that I'm undischarged but I'm thinking of getting another form and not putting anything?
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moving with (hopeful) ED pending
right, moving on weds (30/9). BR was 3/3/09, ed letter came 17/8/09, no word yet (earliest it could have been was 23/9). when should I notify OR? do I notify them at all (I'm thinking yes, but also wondering if you have to notify them after discharge?) will I have to do a new I&E (rent and council tax much more expensive)?…
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DMP... stages and what to do.
Hi I hope i'm posting in the right place. Ive been taking lots of information in for the past few months of what is best to do. CCCS advised my best option is BR. Which i fully accept. I have a few problems with that at the moment as it may affect my future employment which hopefully will be changing late this yr or early…
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Small victory over MBNA
:beer:I am happy to say that I have had a small victory with MBNA, they have refunded £700 to go back to the OR, so I am really pleased with that. I knew I would not get the refund, but it was the principal of the thing, how they carried on. Better the OR get it than leave it alone.
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BR OH moving in soon, quick question - SOA
Hi all, My BR OH will be moving in to my place in a few months time, everything will be staying in my name obviously, so he will be paying 'rent' to me. But for his SOA, do i just half all my bills and put those figures in or do i put whole bill amounts? (Hope that makes sence!). (I will be posting SOA on here shortly for…
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Income Payments Order Questionnaire
Good morning's!!!!!! This morning a questionnaire has arrived in the post.... :confused: Asks about current employer, income & expenses..... is this a review of my current arrangement (the Nil Tax doobrey) ?? Cheers Ears Crum on your sofa
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Why souldn't we sign our name
I'm really worried about signing our signatures on letters to mortgage company, they're insisting we sign and send copies of our driving licence. I'm thinking of just doing it so we can get our mortgaged house repo'd voluntary. Just what can they do with our signatures.. i've got panicking thoughts about our signature…
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secured debt chasing 4 years after bankruptcy
Hi can anyone help. I got a letter today out the blue informing me i had to pay 11k within 10 days or face going to court. This was from a secured loan on my house which i had when i was declared bankrupt 4 years ago. My house was repossed within 6 months of my bankruptcy order by my primary lender. I have been looking for…
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Nil tax ?
I have received letter today from OR stating that my IPA will be £100 starting from december 1st any ideas as to when I should receive the nil tax code ? I was made BR on 28th August and havent heard anything yet.Also when I had OR interview she told me my car was exempt but I havent received confirmation of this yet ,I…
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Just some moral support needed... please!!!!
Hi, folks, got my OR interview on Monday. I am totally panicking really really dreading it. I feel like a failure and a criminal. I'm not, I robbed Peter to pay Paul and ended up in a terrible mess, but have nothing to show for it. No fancy holidays, cars, drug or gambling habits, rolex watches. I am so embarrassed and…
