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Got app for OR interview
Cannot believe how quick this has happened....i was told on the phone the day oi went BR that it could take 2 weeks for them to send paperwork and envelope to send cards/statements off..then another 2 weeks for them to look at it and the OR app....but i went BR tue 13th, received envelope today which has to be back with…
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Barclays Cash Card account and br
Hi I am trying to get a new account. I already have one with the co-op but now I need another account for various reasons. I have been recommened to go with Barclays bank, HOWEVER!, my bankruptcy in July 2009 included a £210 overdraft debt and a £1200 barclaycard debt. Does anyone have any thoughts about the possibility of…
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Being taken to court after BK
Hi My OH has received a court demand for an accident he had 2.5 years ago for personal injury. There was no damage done to the car so he even kept his NCD (he did inform the insurance company at the time). Apparently she developed whiplash, and is claiming thousands in lost work etc. I expect you all know the type of claim…
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Civil service job and bankrupt
Does anyone have any experience applying for civil service jobs while undischarged bankrupt? I've just been offered a job and it hasn't been mentioned throughout the process - only mentioned subject to CRB check and now I've received my induction forms which asks are you undischarged bankrupt? Obviously, I will have to put…
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buying back bi
i am bankrupt 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:
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bankruptcy help
Hi everyone! I'm new to this and a bit scared and a bit clueless to say the least! I will give you an outline of my situation. Sorry if it's a bit long winded. A friend recommended me and said that you were all really lovely and give really good advice. I am planning to go bankrupt but have so many questions so here…
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Big Thank You
Hi, I just wanted to give a big thank you to everybody who has given me advice and support during the past few months, both before and after my bankruptcy. There is no way that I would have managed to cope to the extent that I have, without the wealth of information and non-judgmental support and advice that has bene…
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HELP! Income Tax
Hi, my jaw just dropped to the floor when I opened my post. I was a childminder from January till July. I earned £309 in 7 months. I went bankrupt in August I have just opened a letter from HRMC stating I now owe them £62 as my income Tax is due. I no longer have an income and are being supported by DH who is also bankrupt…
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Soa
Can Someone please check my SOA Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1788 Partners monthly income…
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Help! Received HMRC Notification of Bankruptcy
Has anyone ever received one of these? http://www.hmrc.gov.uk/factsheets/ef5.pdf What did you do? Who did you call? What happened? Anyone please!
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national debt helpline
hiya just thought i'd let you know that i spoke to the National Debt Helpline, i have been putting it off for a while....the lady i spoke to was sooo helpful and didn't sound like she was judging me and didn't criticize me. If you are putting off that call, don't, you will feel better for making it! I am defo going down…
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Not sure of the terminology???
Hi there, I was declared BR on 02.09.09 - I wasn't given an Order thing?? to pay anything back due to being in receipt of benefits with 1 child. I am currently studying my Childcare NVQ 2 and will be going straight on to Level 3 (before xmas I hope)! My question is......due to not having been giving one of the payment…
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Mortgages after BR What deposit what rates??
Hey there just a general question to be honest does anyone have any info on what type of mortgage rates are out there for past BR's also what type of deposit will be required?? I would also like anyone who has any brokers or knows of any to give me a PM with there details so i can try and get a good dam mortgage not…
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My br
Just had a letter from the insolvency service which says our BR file will shortly be transferred to the regional trustee and liquidator unit (RTLU) is this normal we went BR in July Thanks for your help
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eary discharge?
can someone briefly explain to me, in simple terms, exactly what would change with my BR, if it suffers from an early discharge? [Currently, I have a NT IPA] I'm a trifle confused.....especially about the bit where I thought I need not tell the OR of any changes in income [overtime payments,etc], but apparently have got…
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acceptable expenditure
hi all i really need some help. i live with my partner, her 8yr old son, our 1yr old daughter and a dog. it would be really appreciated if someone could tell me what are in the eyes of the OR acceptable expenditure amounts for the following.... groceries clothing holiday emergencies and any other values for things i may…
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property value
Hi all, can someone please tell me if my lender can tell me whether my property is in negative equity.
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Bankruptcy beware!!!!
I want bankrupt in 1992 after giving up on an ill advised IVA. As I had no equity in my property and had no mortgage arrears I was allowed to stay in my property with the OR retaining an interest in the property. In 2007 the OR handed my account to a solicitor as property prices had risen by then I now had equity. So it…
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BR and Receiving money
Hello, I was discharged 3 weeks ago, i am due to get married next year and my dad want sto donate about £3000 towards the cost of the wedding. If he gives me this money will the OR try to take it? Am I better off getting him to give my gf the money? We don't have any joint bank accounts. Thanks....
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Good heavens, I'm going BR Monday....
I can hardly beleive it but I'm going on Monday! I'm rather numb-not sure how I am supposed to be feeling. I am going to post my SOA this evening to get any last minute feedback if that's ok? I feel a little empty, like I have forgotten to do something, I keep putting off logging onto IS website because it doesn't seem…
