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What Happens On Discharge
Hi again! My wife and I went bankrupt in February last year. I was told it is an automatic discharge after one year. But have never heard anything, I rang the OR office and they said you will have been discharged, but didn't sound that convincing. -Should I receive anything in writing? -Whats the best/easiest way of…
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Moonbeever /Nil Tax Code - help!!??
Hi folks BR in August 2009, nil tax code took effect in January 2010, I have been keeping the extra tax to one side but I haven't heard anything. Who or what is moonbeever, when and how will they contact me, and how do I pay them the money I havent paid in tax?? Thanks for clearing this up for me, I dont remember signing…
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forms help
im due to to go in court on thursday. few questions about the forms 1. do i fill in the first page on form 6.28 or do i start from section 1 2. form 6.27 do i fill that in it doesnt make sense to me. 3. what if i make mistakes in the forms and make copies, which that cause any problem when i hand them in. thanks
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Tommorow
Hi folks/ i was made bankrupt on 24/03/2009 does mean i am free from bankruptcy at midnight tonight or midnight tommorow....when can i celebrate....no ipa as yet....won`t sleep tonight Thanks once again for everyones helpful advice in the run up and through my bankruptcy, i seriously don`t think i would have managed to…
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Should we let RTLU know our old house is up for sale?
Hi, as above, we have just found out that our house which was going to court yesterday for repo is up for sale today (much faster than i expected!) I dont really trust the martgage company to let the RTLU know about it or the company we had the secured loan with either, but is it really anything to do with us anymore? What…
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IPOQ Form
I am currently filling in my IPOQ form and just wanted your feedback. I am surprised how much goes out, this is what our monthly spend is. I don't want to be misleading on the form and it is my true spend, just wandering if the figures will look OK from the ORs point of view. I have had my OR interview a few months ago and…
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Bankruptcy Advice
Need some advice on whether bunkruptcy is the right thing, How to go about it and what the costs are. My mother and father had thier home repossesed 2 years ago after several years of struggling. They are now being chased for the shortfall after the house was sold. This is £32000! My father is 55 and a sub contractor with…
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car
hi hope someone can answer.wife had or interview yesterday.im already br and to help me my dad give me his car to use until im discharged then try to sort something out myelf.the car is in his name but i pay the insurance.the or seems to think he might have a say in this car.is this right thanks
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will i get an exemption on the court fee?
I have my date this friday and i only have £360 saved up. Im abit concerned as my partner was made redundant and so was i so we were both claming jsa for a year. Last week he has started working again but is earning about 800 a month. We are still claiming housing benefit/ct benefit as im still not working i am unable to…
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Need some help and answers
Hi, myself and my husband are in some debt about £24,000 we originally started off on the right track and took out a loan before our 1st son arrived to pay off all our cards and we did well and paid off £10,000 in 2 years (we were both working) Then before we knew it we were up to our eyes and our credit cards had taken…
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looking after ex partner and BR
Hi Again, another question, i am living with my civil partner in a rented flat but after i go BR we have decided to seperate, i will move back to my parents and he will be in a rented student flat (he is at uni and not working) he has a basic student grant but would i have to claim any financial assistance to him , such as…
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Other options?
Hi all... I have a huge dilemma and am well and truly stuck! Basically, i'm a Police Officer who, through no fault of my own, has found himself staring at possible bankruptcy. My partner was previously self employed but her business failed at the turn of the year last year, she was forced to go personally bankrupt but life…
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frightened of bankrutcy
I have been adviced by the cab to make myself bankrupt but feel scared. been living with my partner for just over two years, he doesnt know the mess i'm in. my previous partner was not paying the bills i've found out since with the letters that keep arriving on my doorstep and they were joint loans. will my new partner be…
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after BR, cheques and online payments
Hi, Has anyone found a bank account after BR that has cheques or online payment facilities, (BACS) as i still have to pay my casual employees .
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Bankruptcy Letters
Hi Can anyone let me know if there is a download some where of Letters to Unsecured Loan Companies that i can print out ready to sign and send after my date on the 9th April Many thanks Anthony
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Banks urghhhhhhhhhhhhhhhh
Went to open Barclays basic account this morning only to find it has moved and been replaced with a LTSB, (shows you how much I go shopping in my local town:o) Being as I was down there I thought I would go in and ask about a basic account, and yes the answer was a resounding no, did not even get as far as finishing my…
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anyone paid6 months rent and had ipa because if it
just wondered if you do manage to save 6 months rent so you have spare money for 6 months do you get an ipa because of it?
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Saving Whilst In Bankruptcy.
I am aged 67 next month and I declared bankruptcy about 3 years ago. I was discharged after about a year. I still make my monthly payments to the OR regularly and I receive my State Pension as well as earning a salary from a full-time job plus a little part-time income from selling collectables direct and on eBay. Because…
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Help!!!
Me and Hubby went br last wednesday, in his br forms we included his vodafone contract which was in arrears. Anyway we have now received a bill dated 18th march, day after we went br for the full amount of the contract as they have cancelled it - will this still be included or are we starting our br in debt again as we…
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Every Audult to get a Bank Account
Listening to the radio this morning, it was announced that all adults will be given a bank account. Apparently there are 1.7 million people that been excluded from having a bank account
