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BR & Tax
Hi I am sure this has been answered in many other threads but i was looking for a quick answer, I will be due £500 tax by the end of january from when i was self employed. Can this be included in my BR or is it like my student loan exempt? Thanks.
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JSA - bancrupcy option?
Hello everyone, To try to cut a long story short and stick to the facts - I have taken sort of voluntary redundancy from my last job and I am not working since 1st December this year. Till then I used to pay about £570 per month via DMP with CCCS to my several creditors, the DMP was frozen for December and January now as I…
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So dont know what to do
Hi been reading a lot of posts and a lot of positive actions - good stuff but my own story is not so good :( Think I'm in about 35 k of debt through 2 x credit cards , a loan which i had nearly paid off a hp type purchase thing and a bank overdraft Got into trouble about 5 years ago when my girlfriend left me with my son…
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Moonbeevers
Hi I have read various entries about Moonbeevers. I got a letter from them and they administer my IPA. Do Moonbeever do regular checks and ask for wage slips and statements throughout the IPA? I have set up a standing order and though my wages vary slighly I don't contact them as the amount initially agreed took into…
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IPA's
Hi I have an IPA efective from March 2010. I went bankrupt in January 2010 and was discharged early six months later. Since my discharge I have met someone and we would like to live together. I am concerned that I will have to include her income into my IPA.. is that the case? Will I get routinely reviewed by Moonbeever on…
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gift
my husband has been bankrupt for almost 3 yrs .......i p
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question about IPOQ?
been reading about all the changes in the sticky :( and sounds like i'll be getting an IPOQ to reacess me any day now as im due to be discharged in several weeks. in prep i worked out my new budget but i;m a little confused. my pay has dropped slightly and my rent has gone up which now means if i keep my other items (food,…
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2 Months Left of BR - Possible Job Offer
Hi All, I am looking for some advice as I may have secured a new job and I am currently unemployed with 2 months left of BR. If I accept the job, which will give me considerable excess income over and above my living costs, will I have to declare this to the OR? I am aware of the recent guideline changes regarding IPAs and…
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Joint loan after bankruptcy
Hello I am after a little bit of advice, I was declared bankrupt in November 2009, and have now been discharged in November 2010, so I have been cleaning up my credit file using the MSE letter. Now I have received a reply by a creditor who were formally a secured lender on my repossessed property, there is an outstanding…
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Moon Beever questions
Afternoon all, Hope you all had a lovely xmas :T on the 17th this month my hubby finally got his payslip with nil tax code well with major bugs going around our house week b4 xmas didnt get round to sending it off and 1st class post had finished for xmas and last thing wanted was it getting lost so have held on to it (of…
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Utilities Warehouse
Please has anyone been sold life assurance by this company without asking for it? I was told I should join their Discount Club, but the infomation sent to me was a Life Assurance Cert!!. They are taking their time sending me the complaints policy asked for. Surely, this is not legal? They operate in the strangest manner…
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Capital One Classic
Hi all, hope everybody had a good Christmas. I do a fair bit of internet buying for work, and thought it would be a good idea to apply for a credit card, so I didn’t have to keep using my current account. I wasn’t too bothered about the APR rate as it would be paid off as soon as the bill arrived, so whilst trawling…
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IPA after discharge????
Hi, I need some advice because I am puzzled. I went bankrupt in London in Sept 2009 and was discharged in Sept 2010. There was no IPA arranged. Apparently, the offices A and B of the London's Receiver have merged and a different person took up my (by now closed) file. At the beginning of December, 2 months after discharge,…
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IPA Query
Hi I am planning to go BR early in the new year. I wonder if anyone can clarify the position regarding IPA's. My understanding is that you are assessed based on your I & E at sometime during the twelve month period of BR. If you get an IPA of whatever amount I believe it lasts for 3 years. I think I have read that if your…
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What do i do
I`v been self employed for a few years now but the past couple of years i`v had a downfall in work and now i have corperation tax to pay around 9,000 i`m due them i`v said i`ll try pay it but sitting down looking over things i don`t really think i`ll manage thy have given me 3 month to pay this,i`m in scotland so i think…
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Help/Advice Needed
Hi Everyone! I've decided to seriously consider bankruptcy after speaking to a company online about my debt (can't remember the company, i have a memory like a sieve)! Basically, here are my outstanding debts: 1. HFC Bank - £138.00 2. Santander Bank - £2799.00 3. Welcome Finance Secured Loan - £21677.00 4. Santander…
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Happy New Year
Hi All, just want to say happy New Year to everybody, whether you are BR, just finishing or not even going to bother life is what you make it and the future is in your hands xx I am AD and now starting to rebuild my little life without credit. I would like to thank all who helped me through my year and say to all newbies,…
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Bankruptcy Query
Hi My partner worked in the hair and beauty industry for a franchisee, my partner was given 3 days notice that the salon was to close as the franchisee was declaring Bankruptcy - this Bankruptcy hearing was scheduled for Dec 23rd now Im aware of the site that you can look at to see who is bankrupt etc but wondered if…
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Going Bankrupt Help!!
Hi, I'm planning to go bankrupt in Jan. I have the money now and just need to know do i just ring the court and make appointment? Also, i don't have all account numbers of all my debts so is this gonna be a problem? I'm bout £6000 in debt thats all but not in work at mo and so down and depressed. Hope a few of you have…
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how long does it take to repo a property
Hi guys I know this is a bit like the "how long is a peice of string" question but I am wondering if anyone has any idea on average how long it takes from stopping paying the mortgage to the house being repossessed ? If you stopped paying to save up for a deposit or bankrupcy etc how long would it take do you think for the…
