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random question.. as still deciding what to do.
Hello. ive posted on here a few times as i'm still considering what to do.. To get my money back into order im considering moving home with my parents. If i do this i'm going to have to buy a car as otherwise its not possible with my work. I figured i'd still be saving money due to my high rent in London say if i got a car…
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I've been discharged!!!!!!!!!!!!
Oh my god I can't believe it!!!!!!!!! Just checked the register and I was given ED on Friday!!!!!!!!!!!!!!!!!!!!! YAY!!!!!!!!!!!!!!!
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What do you take to your court hearing?
Isi it just 3 copies of your SOA and forms of id? And the payment in cash?
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Pay As You Go Visa & M/C Cards... PAYG CC
Hi All In case you don't already know about these, they are great to have. They work the same as a PAYG mobile phone, i.e. you pre-load them with cash. We have 3 - Tuxedo, Cashplus and the BEST one is a PayPal Visa card. This one you can transfer any money that you have in PayPal straight to the card for FREE! With these…
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SOA Advice needed urgently!!!
I am not on JSA at the moment as it was taken off me but shall i put outgoings as they are because my dad is helping me out at the moment whilst i still look for work? And the detail the cause of bankruptcy....do i literally just tell the truth behind it? e.g took on too much credit,lived a life beyond my means, used…
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IPA and NT code ?
I was made BR 28th August I had OR interview a few weeks after that and was told I would have an IPA and NT code.I have received the forms from OR stating that I will be paying them £100 pm starting in December.The NT code hasnt been applied to my monthly salary yet and I havent heard a thing fron tax office about it…
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CAB appointment tommorow-What to bring?
Just sorting out what to bring, it will be our first app to talk about going BR. I cant say that bills etc are filed a-z and was'nt sure they would want to see all that anyway. I was going to bring,* Proof of income * Soa * List of debt * Last mtg statment Any pointers would be great :)
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My day in court tomorrow.
Big day is tomorrow. In court at 1130. Having a real panic at the moment as I've lost the check list the CCCS gave to me for items I need on the day! All I can remember in 3 copies of my insolvency forms that I completed online, and of course the court fees. Can anyone help me out?
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OR interview tomorrow...
Have telephone interview with OR tomorrow at 2pm. Will they tell me if I will be having an IPA and nil tax code then? Will remember the golden rule ' Don't waffle ' !! Dreading it though!
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Hello I am back
Hello Everyone missed you all. Screen failed on laptop so had to have a expensive repair But can afford to do it now, 6 months ago before bankruptcy it would of been a different story
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Bankruptcy, council tax and the local government ombudsman !
This is my last thread for peopl who wish to know http://forums.moneysavingexpert.com/showthread.html?t=1823361&highlight= aftger complaining and complaining to my local council and the fact they have ignored my complaint , the Official receiver complaint and forgot their own rule and laws then i went to the local…
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Council tax question
Hello all! I thought that we would be liable for council tax on our property until it is repossessed, but just got the impression from a thread on here that we will be responsible until the property is sold. Is that right!??!? We moved in here (converted period new build) well over a year ago, and there are still…
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Bankruptcy or DRO?
Not sure which would be the best to go for - I have done the debtplan on CCCS website and it says DRO as there is less that £50 left over after all normal expenses are taken out - but I am sure there are a couple of debts which I haven't got up to date figures on which would take me very close to the 15k limit. My OH has a…
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IPA Moonbeever RTLU
Hi guy's It's been a while since I last posted though I haven't been far I have been reading lot's. Still a lot of great people here giving lots of good help and advice as always. I have a few questions, I better start with a quick update: I went BR in Jan and have so far had an IPA imposed which starts this month. :eek:…
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What to wear for court
Hi While I know it's not a fashion parade I'm just after some advice of what I should wear to court tomorrow for my hearing. I'm not an everyday shirt and tie man but should I wear a shirt and tie for court ? Or maybe just shirt and trousers ? Or is casual acceptable ? Thanks
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Co-op Q reg cheques
Hi I have overpaid on my electricity and iam getting paid via cheque I have got cheque deposits envelopes from the co-op but there is no branch near me , there is a post office logo on the envelope so am i right to presume that i can pay the cheque into the PO ? Also....will this be viewed in my bank acount by the people…
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What do I tell the Secured Loan people re: repo
As you've probably read we have decided to give up on our mortgage and let the house be repossessed. I have informed the OR about this (although their communication is awful, they take forever to respond to emails and you ring them and they are miserable as always), anyways so I have informed the OR about our plans. We…
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Finally have money for bankrupcy
Hi, After months of trying to save the money to do this, I finally have the money together £350.00, let hope its still the same price ! Im hoping to go next week to the court, I filled in all my forms about two months ago, and have been trying to save up the money to pay for it, but you know what its like Ive had to keep…
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As of 1pm today
I was finally declared bankrupt, was originally meant for 8th September but had to go back due to not having the correct fee. I feel happy because it's over and done with but I also feel guilty that it had to come down to this. The lady was really nice, even commented on how pretty my daughters name was, she took all my…
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Credit file clean up
I sent the credit file clean up letter out to all my creditors on 8th September 2009. Only one has bothered to reply to say they have informed the credit reference agencies to amend the info. But no information to date from any of my creditors has been updated. How long does it usually take to sort this out?
