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I'm going to Court to hands in forms to declare bankruptcy. Any advice?
Hello everyone! Tomorrow morning, I will be at County Court to declare myself bankrupt. I am a bit nervous about this. Would you please help me with some of my worries? Firstly, I have completed Forms 6.27 and 6.28 online and submitted them. I have also printed 3 copies. Do I simply turn up at the given time, hand in the…
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Just a question regarding IPA ?
Hi everyone, Does anyone on here know whether the OR takes Job Grants/Return to Work Credit into account when calculating whether someone needs to pay an IPA? I have looked at a link I was given by CCCS regarding benefits and IPA's but its not very clear....it just basically referred to Jobseeker and Incapacity Benefit and…
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What to do for the best
Our son, mid 30's, married two children under 5, has recently come to us and confessed that in addition to the £10,000 debts which we paid off for him last year, he owes an additional £29,000 to various credit cards, bank accounts and personal loans. Although he works very hard, his income has been cut because his firm are…
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Credit cards and BR Forms
Hi me again Filling out the BR forms and just checking the bank accounts/credit card section i have credit card debt which i have listed on the unsecured creditors section, but i dont actually have the credit cards no more, and haven't done for years. so should i still list rthem on section 5 for the credit card section?…
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Overtime and informing the OR
Hi I was wondering if you could advise I have done some overtime this month as the shop I work for has closed for a refurb. Do I need to inform the OR of this - it is a one off month and I have done an extra 18 hours overtime. thanks in advance cherry123
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Change in Circumstances, when to tell OR?
Hi, I have just started a job last week with an increase of 3k on my previous job. Now when does my change in circumstances actually come in? When I signed the contract? The day I started work? The day I first get paid more than I did before? Very confused, but never seem to be able to get to ring OR in day beacuse of all…
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BR Forms and cash in account
Hi everyone I'm at court tomorrow to hand in my forms and pay the fee. On section 3 of the forms.. the cash in hand cash in bank section...i don't know what to put. I've emptied my account.. so there is nothing in now.. but will be getting paid on friday from work and my job grant payment also goes on. so should i just put…
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All going horribly wrong!
Hi everyone,well things are going from bad to worse,we have had no luck with finding a house to rent,and now incasso(one of the credit agencies have increased there monthly payment(through the cccs) which leaves no money for the other creditors,consequently,the phone has not stopped ringing,and you cant get through the…
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Court Date for Reposession hearing. What do I do?
Hi folks not posted for a bit as I've been busy sorting stuff out. Anywho I have received the court papers (which although I've been waiting for them for months, still shocked me a little when I saw a packet from court) for the repossesion hearing and was wondering what I fill in what I leave out etc. I am not contesting…
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how many people on here got ED?
hi how many off you have been lucky to get ED? also anyone that didn t get it what reason did they give if crediter objected nice to no people storys or how the process works etc? thank you
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Considering handing keys back - received this letter.
I was made BR on 1st April, at that time I thought I would stay in my jointly mortgaged house, but things have changed and I am now moving into rented property in 3 weeks. My OR knows nothing of my decision to move out. I spoke with my mortgage company who said that my ex-partner (who jointly owns the house and is not BR),…
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br 8th june !
Well i did it but have felt like a rung out rag eversince ! the drink in the evening never happened , i was playing taxi inbetween helping them revise for exams , first chance to sit in front of the screen ! ..All went well at the court very simple just stood at a counter checking forms and filling in signatures where…
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Home Insurance
Here we go with the home insurance renewal. You may remember from another thread due to a partner's old bankruptcy I have been trying to get companies to stop a non-timebound question if anyone living at the address has ever been bankrupt; this has seen some (but limited) success. I am still taking it up with the…
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help I need some advice
Hi, I have been advised to BR. I have seperated from my ex husband due to the lies and dishonesty that I grew to tell about my spending habit which I now feel feel as i have failed my children and my ex husband. Anyway, I have moved out of the family home and renting privately with the children. My mortgage is with…
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Help regarding work and paying tax
Hi Everyone I am currently on Income based Job seekers allowance and I have 2 job interviews next week just have a couple of questions? 1) Am I legally obliged to tell them at interview that I am an undischarged bankrupt? (only doing admin/reception work) 2) I am not sure if i dreamt this but i'm sure i read somewhere…
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really panicing about OR interview
I have my interiew on monday at 0900hrs, i am really stressing about it. I think that i will end up with a payment order which is fine but i am concerned that i will not be allowed enough to live on. Does anyone know how you qualify for early discharge? (iknow im jumping the gun but.....)
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Hi advice regarding IPA and potential changing circumstances?
Hi all, I am bankrupt as of last Wednesday and have to pay an IPA for £400. It is a big figure becasue I moved back home with my parents 3 months ago becasue of my finances, this means I have a lot of surplus income but I pay lower rent, bills etc. However moving back with my parents was only ever a short-term thing (I am…
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I had to phone a creditor today - and just need to check what they asked
I had a letter from the Halifax today saying a representative was going to call at my house in 4 days time. So I braved it and picked up the phone. I thought I had to merely say I was bankrupt and this was the ref number but the lady (and dont get me wrong she was very pleasant) had me on the phone for about 10 minutes…
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Ipa
Hi all, hope everybody is well.:hello: It's been 10 days since my OR interview. My surplus income, as agreed by the OR, is £102. He said he would call me back later that day, or the next, to confirm whether I would have to pay an IPA as my excess was borderline. I did not get a phone call. Today I received a letter from…
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Oh no! :(
I was doing so, so well as well. I've just checked online and my old house is now off the market. It's not that it's been sold that's bothering me. In all honestly I couldn't care less about it now. It's the prospect of having that letter that NR promised requesting the shortfall. Many of you will know my struggle with NR…
