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tax credits, change of circumstances and bankruptcy
https://forums.moneysavingexpert.com/discussion/2773270 could any of you guys who have helped me out so much on this board offer me any advice on this one please?
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Ipa scotland
hi can anyone tell me how much OR or A I B take from your surpluss someone told me they take the lot is that true:eek:
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Br no bank account need to pay in cheque
I have no bank account as currently br I got paid a cheque the other day from my old job which I left on bad terms can I pay the cheque into my partners bank account even though it's written to me??
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Another SOA question
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query re life insurance and br
my court date was 28th sept and i had my or phone call on friday. i've received some paperwork form the or today, letters to sign and get witnessed (tricky one that!) but i see a lot of soa's posted and its usually said against life cover that the or may be interested in that. could anyone explain for me please? i have a…
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Help with online BR form please!
Hi Just a couple of questions, if anyone can help: Question 1 section1.16* You should provide details of any legal proceedings that you are involved e.g. custody hearings, criminal charges etc. * Please give brief details of the nature of the proceedings, the name and address of any solicitor acting for you, the name of…
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Facing redundacy
Could be facing redundacy which case bankruptcy will almost certainly follow. I know a lot of employers now do credit checks, have any recent bankrupts found this has gone against them considerably in looking for new work? Or is it worth even trying to get a job? I would prefer to work if I can.
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Priority payments on SOA
deleted- thanks
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confused- conflicting advice
Hi Please can somebody help me, I have rung both CCCS and National Debt Line and got completely conflicting advice from them. My husband has £23000 of credit card debt whilst I have none. I have always kept up all my bills etc as has he but he is forever just paying off the minimum payments then using that credit to…
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Probably worrying over nothing but...
I went bankrupt on the 1st July at the High Court in London. I gave it a week for the OR to contact me to sort out my OR interview - a week passed an no contact from them. Ended up plucking up the courage to ring them, was advised over the phone that they didn't need to interview me - probably because my bankruptcy was…
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Looking for advice....
My partner was declared bankrupt on Thursday due to his house with his ex-partner being repossessed. He applied for the bankruptcy himself with help from citizens advice. He got a letter saying his application has been successful, the letter also said they would be in touch for a review in 6 months. We naively thought that…
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Facing Bankruptcy
Hi Everyone My first post was in the dfw section but i have been reading the forum with interest for a while now. I have completed the debt remedy form on the cccs website and it is suggesting Bankruptcy. I then contacted cccs by phone and spoke to an advisor who is sending me some forms to fill in prior to them ringing me…
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The ex the business and me
Hi Brief outline me and the exOH seperated about 3 months ago, I have moved out of marital home and into a privately rented flat. I am on JSA contribution based and pay my own rent and will receive LHA to help with rent when my amount in bank comes down to the level the help is allowed. My husband owns and runs a garage…
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Bankruptcy form 6.27
Hi - I have finally got round to completing my bankruptcy paperwork. The only form I am struggling with is the front 2 pages where you have to delete the appropriate sections in relation to which court is hearing the petition, centre of main interests etc. I have asked the court for help but they tell me they will not…
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Don't know how my IPA was worked out
Hi I was made BR a month ago and have now received the notice of the IPA which I knew was coming. I have e-mailed the OR to ask for a copy of the SOA she has done for my records and she has replied saying that I should have a copy which I submitted to the court. I wrote back and explained that I do have that but the…
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Ipoq/ipo?
Hi, Since Going Br in March my husband had been unemployed so there was no chance of an IPO until now as he has just started work again:T. I've been working full time but my money has been keeping the household going so the OR wasn't interested in an IPO at the time of BR, for me either. The OR has now sent my other half a…
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Ex might be going BR....HELP!
Hi all Well, the saga of me and my ex continues. I was approved by Northern Rock for a change of parties to remove my ex from the mortgage - yayyyy! Got my solicitor, all seemed to be going well until I got a phone call last Thursday re. the fact that his solicitor had sent a letter to my solicitor stating that my ex can't…
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Bankruptcy and tax
Hi everybody. Been a while since I visited here because I've been moving around quite a bit following work and a bed for the night etc. The missus and I have made tentative moves towards reconcilliation which would be great for us and the kids and would meant that I don't have to sleep in mate's caravans etc. Planning to…
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ipa and overtime
Hi my wife and I are both currently bankrupt (automatic discharge in November). I have got an IPA which I pay £60 a month. Currently have lots of volutary overtime at work - could work extra 86 hours a month which would bring home an extra £925 a month. Spoke to OR last week and was told that this would affect my IPA and I…
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Ruined by bankruptcy and still haunted nearly 3 years later
Bankruptcy is'nt for everyone,I was forced into it with a chronic IVA which should never have been agreed.I wasnt in huge debt (£22k) but was well and truely shafted in the process.I now live in a town I longer want to reside and the whole BR thing totally broke me,in fact its ruined my life completely and the whole truama…
