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Chances of a BRO?
Hi I have my interview and just starting to worry about explaining my spending!! Financially thought I was ok until last month so have always paid bills. My ex has forced me into bankruptcy because of his poor money management skills, my worry is that I have £2000 owed to Next (clothing) I have always paid big chunks off…
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21 Weeks bankrupt
Time flys when enjoying a debt free life
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scottish dude 1 step closer to freedom
Good Evening all ! I have an account with the nationwide and I was wondering when should I open a Barclay or Co-op bank account?
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accounting for the debt
hiya i've been in debt for a good few years but only recently it has got out of control (maybe a bit earlier than recently but only recently i have sat up and clocked on to the problem). my problem is how on earth do i account for the debt to the OR? i don't have anything tangible to show for it, it has just built up over…
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benefits and IPS`s
Edited...................]
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Bancruptcy - Serious advice needed!
Hi, I have read a few posts on here and there is some real good advice given so I really hope someone can help with the terrible situation I have found myself in. Firstly, I have made some major silly mistakes over the last two - three years, I'm finally aware of the problems I have caused and living with it every second…
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does the OR take child benefit into account?
Hi there, I was declared bankrupt recently and narrowly avoided an IPA. my disposable income was £107, they wanted 50%. i asked for this to reviewed and luckily it was agreed that an IPA wouldnt be appropriate at this time. I am also a single parent working 16 hrs a week on minimum wage! To cut a long story short, as from…
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Is bankruptcy the best option?
Hi all, I've been up and down over the past year or so with conflicting advice and wondering what to do. Basically, I've racked up debts of approx £8k officially, with another 3k to family - although thats aside at the mo. I had advice from CCCS and NDL but they said I didn't have enough spare income to be eligible for a…
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Walls have ears........
Hi everyone, not posted for a while, but have been reading the boards daily!! I would just like to warn people (especially on this forum), that you never know exactly who are reading your posts. Without divulging into too much information, the IS were made aware of my circumstances by someone giving them details of where…
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Ipa
Hi Folks, seven months into bankruptcy under Lila (scotland) and i`m just sending off my state of affairs and i was left with £61 pound per month left over, will i get an ipa and how much. Also i put that my fiancee and stepson, contribute to household outgoings but i pay more for everything as i earn more , is this Ok.…
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Salary question re LILA
Hi everyone, I have a question re the LILA in scotland, it says that you can earn no more than £229.30 a week, now I know that this is top line salary, but the question I have is, if I do overtime(occasionally) or get a bonus(extremely rarely) is this taken into account or is it my contracted salary which is £7k per annum…
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What forms do you take to court
Could anyone please tell me what we have to take to court on the day of our hearing?
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Discharge procedure
Hello all. I'm enquiring on behalf of a friend who was forced into bankruptcy by a large company in 1993. He has lost all faith in the 'system' as he strongly felt he was not at fault (the company had supplied incorrect parts that led to multiple failures of installed equipment, the cost to him to repair the damage was far…
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Trading under Bankruptcy
Hi ,i am having trouble finding out from the insolvency service how i can run my business ,already have a fulltime job + an IPA agreement ,but make some money from wedding pictures ,i could put all the profit into equipment so they see no money or could pay off some more to creditors from profit made,no one seems to have a…
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Discharged Bankruptcy
Just thought i'd share my story with you and will be looking for some advice over the next few months in the hope of clearing up my credit file... Had several debts and large bills so had no alternative to go bankcrupt with very informative advice from the CCCS. Included old loan and overdrafts etc, bills,council Tax etc…
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Bank Account - Lloyds TSB news for existing account holders going through bankruptcy
Hi Just thought I would share this with you as it may be useful for some. Prior to my bankruptcy (June 2009) I had 2 accounts. One with the Nationwide (2000 plus overdraft, credit cards etc) and 1 with the Lloydds TSB (no overdraft, no credit card etc). On the day I was made bankrupt I told my OR about the bank accounts…
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beginning of the end (maybe)
hiya all, Well I went BR on the 23/09/2009 and told my work on the 24/09/2009 i work for a big bank in the insurance section and I have been taken offline as cant advise customers now as I am BR!!! even though I have been doing so for the past 3 weeks since I told them!!!! Yesterday my manager told me I would be having a…
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problems with form!
hiya. Im really hoping someone can help me with a few questions on the bankruptcy form. i went to the CAB and the man i spoke to seemed to have less of an idea than me, which i was suprised at because they have helped me with various stuff before anyways questions. 1. I am applying for the fee remision, and in the leaflet…
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please check soa need it monday thanks
Statement of Affairs and Personal Balance Sheet Household Information[/b] Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 0 Partners monthly income after tax....... 0…
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buying back beneficial interest after bankruptcy help!
i am bankrupt july 2009 just had a letter from or saying i can buy back bi for 2200,is this negotiable if so how much should i offer thanks in advance to anyone who answers this for me:beer:
