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Got my BR forms from the court to fill in ! and a moan !
I went to the court yestaday and got the BR forms. The lady even asked If I wanted to book it.. Steady lady !!:p So here I am going through the forms not filled them out yet just reading through them. Feeling OK about whats going to happen. Don't feel to nervous to be honest. I need to get my SOA sorted out so will re do…
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Buying things before bankrupcy ??
I know you shouldnt but has anyone bought things on credit knowing they will go bankrupt, I'm only asking as our television in our lounge has finally cracked up. It was 10 years old. If I got one on credit would I get a big slapped hand?? I dont want to commit fraud so just wondered what you guys thought?
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Pension Enquiry
Hi Can someone explain to me how your pension is effected by BR For example if at todays date my CETV of my pension is worth say £25,000 what happens to it in BR. Also my ex is looking for half of this value so what happens if I am made BR before my financial settlement is reached will the OR have control over my pension…
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Due to receive PPI
Hi, Due to go BR at the beginning of April but this morning received a letter informing me that i am due to get a refund due to missold PPI which could take up to 8 weeks from today. I realise i will have to inform the OR but will he take it off me? It will be for about £400. Many Thanks
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What will happen to the house
Hi everyone, just a question regarding the house now we have been declared bankrupt. Part of the the mortgage agreement with Northern Rock was for an unsecured loan for about £4500 which we put down on our forms. We still then have the mortgage with them for about £90000 but believe the house is in negative equity and only…
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Soa
OK redone my SOA taking into account some of the advices on my previous attempt. All of the actual bills are for the house and takes into account my partner will contribute £230 per month to them (actually its the other way round but I guess this how I need to do it) Ive also had a look at the actual online form and notice…
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Help!!
Here goes with a long tale of woe. A few years back had to consolidate debts and foolishly took out a loan with ge money. Hate to say it but about £30k. Have a mortgage with halifax fixed til 2014. owe about £73k. I lost my job in november being made redundant and now that the package has run out i fear that we will lose…
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Online form
OK nearly there .. Step 13, Part 2 Have you been subjected to an administration order under Part VI of the County Courts Act 1984 Does this mean a CCJ ?
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up to date SOA
does anybody please have an up to date SOA guidleine that show the maximum that you can claim for and also what you can actually put down for in your outgoings please
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SOA help
Hi everyone , still doing this SOA !!! Can i put anything down for Sky? I know its a luxury! We pay £50 a mnth at min but it is being reduced to £33 .:question:
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SOA Ins/Outs Revised
Hi, have revised/updated the previous SOA for checking/advice. Cheers. Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1000 Partners monthly income after tax....... 0…
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TAX free working whilst BR?
Hi all Sorry not been around for a while. Any way I have been offered a job TAX free abroad and we are living on the OH's wages at the mo. What are/our options? Tech2
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SOA / Ins and outs
Here is my soa thingy for advice please .. Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1000 Partners monthly income after tax....... 0 Benefits................................…
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Early Discharge I & E questionaire help please.
Hi, I am after some advice on filling in my early discharge questionaire I received today. I haven't as yet had an IPA implemented because I don't have enough surplus. During my OR interview (last november) when the examiner went through my I & E he said I wouldn't be allowed any child related expenses, dental/medical or…
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please help ive got into a tricky situtaion
if anyone lectures me ill probably not come on here again- because im not looking for lectures and nasty statements- so if anyone has the urge to do this- please refrain i did a debt relief order yesterday, in this order i added a provident loan of £875 but this i only took out last week, i didnt borrow £875 I borrowed…
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Need some advice please on unmanagable debt
Posted this yesterday on the debt free wannabe thread, but thought a would post it here as well as I might get differant advice (I hope that that's alright!!) Hi first post on this forum I need some help as I'm finding it hard to pay my debts, infact have missed two months of payments and am getting harrassed by my…
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Sorry more questions
Hi everyone I'm sorry you must be sick and tired of me asking questions all the time, but I just have a couple more if you don't mind? As you are aware hubby went bankrupt as of 24th March. He called the OR office yesterday and said they were really nice to him, told him no one wants to be in this situation but the best…
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Bankruptcy and OR Diary...
I did a voluntary re-posession and entered an IVA in Nov 2008. My debts were £18k with the sale of my property "pending".. I was paying £271 per month to my IVA, then on my annual review my property had sold for £21k less than I owed on the mortgage. My DMC said I would have to increase the payments, or extend the 5 year…
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Credit record cleanup question (pre-BR CCJ's)
Hi, Declared bankrupt: March 2007 Discharged: Sept 2007 CCJ from Dec 2004, showing as outstanding Im in the process of getting my credit record cleaned up, ensuring that all the various pre-BR debts are showing as satisfied (as per the sticky thread). My query relates to CCJ's. Should they also show as satisifed in the…
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SOA help
Ok getting very confused with my soa so I am going to post 2 if thats ok. The first shows the situation as it stands now and essentially the reason for br The second includes my debts but instead of the mortgage payments I am making now shows the rent/bills I will be paying to my OH as this is where I will be living when I…
