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Some more advice please! OR interview Monday
my SOA shows a massive deficit if I split all mine and OH's outgoings. He has been fantastic and bails me out with stuff, he isn't rich, but has been a responsible, prudent saver. How will the OR view this? When I have earned any bonuses I have transferred them to him to make up for all the money he has subbed me. My SOA…
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Time to bite the bullet - BR booked next week
After a couple of years trying to avoid it the time has come to stop trying and go with the flow. With a debt of almost £100,000 (most of that joint debt with ex due to mortgage shortfall) I have decided that BR is the only way to shake off this nightmare. I have my hearing booked next week and I am a bit scared. I have…
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Way and flippin' hey!!!!!
Just come home to find an early discharge letter on the doormat!!! Mucho beer tonight!!!! :D :D:D:D:D:D:D
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First step taken....
Today I had my CAB appointment and the lady was very nice and she filled out all my BR forms with me,not as scary as i had imagined although I did shed a few tears at certain times. Nervous at what comes next but looking forward to it too if that makes any sense? :o
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Threatened with court action a month before going bankrupt
deleted all,
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changes to the BR rules!
Hi I have heard that they on about changing the rules for BR! is this true? and when and what are the proposed changes?
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failing IVA in our last year
hi all. my husband and i have been paying our IVA for four years. we have just had our last creditors meeting and our last income / expenditure review and we are now faced with payments we cannot afford. our payments in the first year were £299.00. from march 2010 they will be £865.00 per month. and up to then £729.00 we…
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Insolvency site update
Who is it that changes the status of your bankruptcy from currently bankrupt to discharged, wether it be ED or AD. Is it the courts, the case officer at RTLU or the original official receiver?
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Insurance.
I know when gone BR, some companies won't insure you etc. My DH is possibly going BR and I'm just wondering if anyone can tell me of Car Insurance companies that will insure you when you've gone BR. Car Insurance is due this sunday, and obviously sometime between Sunday and the 12 months of the insurance, I imagine DH will…
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Appointment on Monday
Hi all, Finally going ahead with the B/R on Monday. I am going to the court at Liverpool, does anyone know if it will all be sorted on the day, or will we have to go back at all? Do I need to take anything other than the forms and copy of rent agreement? Do I need to take payslips at all? I will be glad once it is all over.
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Creditors keeping a record of your bankruptcy after 6 years
I know that the Credit Reference Agencies will keep a record of your bankruptcy and associated accounts which were settled as a result of the bankruptcy, for 6 years after you have been discharged, after which the bankruptcy record and all the associated accounts will disappear. Are the lenders who lost money because of…
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Tax code set to NT
Hi guys and gals, just got a letter from HM Revenues and Customs telling be that they understand i was bankrupt 23rd april and have amended tax code to NT. do i need to do anything, inform my OR or anything like that? cheers, bman
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Thank goodness for the SOA!
I've just been into town and got a puncture! Went and got a new tyre and it was £55 - thank goodness I have £50 per month for car maintenance in my SOA! Just need to reduce the amount into our household savings account for this month and no worrying! Is so nice to know that you have budgeted for things rather than sticking…
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My BR experience today
At 9.50am me and hubby were officially declared BR......... My experience of this was pretty painless I made it worse for myself! Got to court at 8.40am for our 9 & 9.15am appointments got seen at 8.55am which was nice! the lady who looked through our papers etc was lovely but did give me a heart attack when she went…
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I need some advice
I am thinking about going for a DRO but before I do I need some questions answered. 1. I currently have a landline with TalkTalk and also free broadband from them. I also subscribe to sky and in a HD contract with them. If I went for a DRO, would I still be able to keep these things like my landline, broadband and sky? 2.…
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Spitting feathers!
Right I know, I know exactly what you're going to say. We've moved and needed contents insurance. We couldn't afford the upfront charges for the quotes of the companies who would take us being br so had to just alter our deatails with lloyds who would allow to continue to pay by installments but charge us double.. :mad: So…
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please help ! about to lose my house
Please, please help. I would like some advice of my current situation. My husband was made bankrupt last year. He owes the bank £74,000 (an overdraft which has £13 a day interest) a company £4400 and trustee £27000. I received a letter from the trustees solicitors start of the month which notes without prejudice an offer…
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Park, panic! I forgot all about it!!
Friends what do I do? Myself, my mam and my sister have been saving with Park Hampers all year for Christmas. I have just made the final payment on behalf of us all (they pay me and I pay it into my account) I have £100 coming in Novemeber, my sis has £100 and my mam has £200 I havn't disclosed it to OR because I just…
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Divorce Costs and BR
Sorry for starting another thread. As I have said in my earlier posting my ex is pursuing me for the divorce costs. My sister has offered to pay all costs to get this idiot of my life, however it really does bug me that I am on the point of financial ruin and this man earns 3 times as much as me per month yet I am liable…
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Underpayment of Tax
A relative who went BR a couple of years ago, has just been informed that the incorrect tax amount was being taken from their incapacity benefit for the past 6 years. As this would technically become a debt, would the amount prior to their BR date be able to be written off or as its HRMC not?
