-
Early discharge but.......
:confused: The day the order in the courts for the trustee to sell the house came through, the early discharge was put through too!:j But......in May I refused to sign the Building society's letter as it contained a clause that was accepting responsibility for arrears and shortfall on sale of house. I was advised on here…
-
Early discharge....
I have a co-op cashminder account now I am discharged do I tell them I am discharged and show them the certificate and will they make any changes to my account.....???? Like give me a proper account? Thanks :confused:
-
Prepaid cards - can they be anonymous??
Hi guys - I'm still hoping that I'll be able to go BR soon, but have a few things I want to get in place before I formally contact the OR etc. In the meantime I want to start squirrelling some money away but don't really want to keep it as cash in a box at home (!) - I was thinking of getting one of those prepaid credit…
-
nil tax code
hi first post on here.i went bankrupt back in july .ive been self employed in construction for 25 years .today received a letter from moonbeaver to say i am to go on 0% tax code.i thought it was for paye people .i am on cis construction scheme where whoever i work for stops 20%.the thing is i could work for someone…
-
Worse possible outcome
What is the worst thing that cann happen when you become BR? by that I mean what is the worst punishment that can be handed out.
-
1st Wedding Anniversary - been a funny year !!
It's our first wedding anniversary on Sunday and happy to say despite life deciding to throw some pretty big piles of brown stuff at us in the last 12 months, I wouldnt change my lovely hubbie for the world. His BR in July was the culmination of over 6 months of trying to do the right thing but the realisation that we just…
-
bank account?
i know its probably asked millions of times a year to you all but are you allowed to have 2 accs at time of br or does or make you choose one? i have a barclays cash card and would like to open a co-op one too or should i wait until after gone br??:confused: thanks
-
Question about Early Discharge
I have just received a letter from the OR saying that he is taking into consideration giving me an early discharge. The letter states that in order to evaluate my current circumstances, I need to fill out the form which came with the letter. The form asks questions about my income and expenses, similar to the form I filled…
-
2nd stage almost sorted
Well i have had to sort all my statements ect out today ready to post off...theres loads and had to put it in a grey parcel bag and cut the label off and put on that as noway would it have fit in the brown envelope they sent, i think i have supplied everything apart from june and julys statement, i cant find them, so think…
-
Lest confuse the debtor!!
I have had a letter this morning very cleverly written to as not to ask for any money but suggests ways to pay instead! Who is it from???? Credit Account Management Ltd is whats written on the letterhead. Tenon are listed as the debt collection agent and provide their contact details to contact. Phoenix Recoveries (UK)…
-
I need to go Bankrupt. Does my ex-wife have to also?
We have loads of debts including the strong possibility of a jointly owned 2nd property being repossessed with £80K negative equity. I shall be making an appointment with CAB but was wondering if anyone knows whether bankruptcy of one partner requires the other to do likewise? My first reason is obvious, but I would also…
-
BrainG's Story
Hi folks, I have been reading your board over the last weeks and it has been a great comfort. A lot of people here are in a similar position to myself and are dealing so well with such a horrible situation. I thank you and admire you all so much. It has helped me realise that everything will be ok, but the next few weeks…
-
Freak out! Co-op cashminder-the need for speed
God's teeth, holw long do the Co-op wheels take to grind their way through the debit card mill? I used it for the first time on Friday and there is still no sign of the transaction. I remember reading threads before whereby people have had to keeps notes of every expense. I am so following that advice. Advice giving…
-
OR interview
Just finished interview, lasted about 45 mins. Interviewer was very nice and it was not as bad as I thought it was going to be! I will get to keep my car, probably will not get a nil tax ipa as am about to start a new job. Will be getting an ipa though which will probably start in the new year. Glad the interview is over…
-
After EDREV & IPOQ
After sending IPOQ back Do you hear back from OR if NO ipa is implimented
-
Bovver with Barclays
Hi all Bassplayer here! Ain't been on for a while after going BR in May and you guys really helped me up, through and beyond that awful bloody process. Hasn't been too bad since, except for a real stinker with Barclays....who I had a business account with, the overdraft on which went into my BR. Anyway, wondered if anyone…
-
A bit of disappointing news from OR
You all probably know i'm a little anxious at the moment and figured that getting new life assurance for DH and myself might help releive a bit of this. I emailed my case clerk who very kindly found out the answers to a lot of my questions regarding life assurance :) The not so good news is that as an undischarged who…
-
BRO/BRU question please??
Who gives you a BRO/BRU? Is it the OR or the Judge?? thanks
-
Obliged to continue working so hard???
Can anyone answer a question for me? I am bancrupt, and am expecting an IPA. This sounds terrible, but I am seriously considering reducing my hours at work. Fact is, I have worn myself into the ground over the last few years trying to keep everything going, and I failed. I was part time, but I upped my hours a few years…
-
tax after br
hiya i spoke to the National Debt Helpline and the lady i spoke to said after being declared BR you don't pay tax for a year. I asked if this went to the OR she said no, you kept it. HOWEVER i have just read on here it goes to Moon Beever - can anyone help clear this up? thanks ! x
