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Other forums -- a warning
Uniquely of any of the discussion forums I visit on the internet, the Bankruptcy forum on MSE is polite, friendly and supportive. Perhaps the position we find ourselves in makes us more understanding or, maybe, more humble. With the one exception of what I thought was clumsy moderating, my experience of this forum has been…
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Inland Revenue and bankruptcy?? no thanks!
Hello, I dont know if I'm on the right section of the website (sooo much info!) but thought I would use here as a starting point. My partner is being chased up by Inland Revenue for a tax bill that has been left for 5+ years. He was self emplyed for a year and then moved to emplyment and didn't send something back to say…
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ipa breaks
My husband and I pay a IPA has part of our bankruptcy from which we were discharged last month. |Due to me being diagnosed with cancer and work now changing my pay to half pay the OR has stopped the payments. My question is Does the time that we do not pay (say 6 months) contribute to the 3 years of payments, or do we…
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BR & tax?
I had my OR interview on the phone on wednesday and got through it ok, he reckons I paid off all my cards etc with a loan in July 2009 and then "racked up" (his words, not mine) £12k of debt on them since then? i don't think thats right but i just kept saying i'm not sure without looking at statements whether thats correct…
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Bank Accounts after Bankruptcy?
Hi All :A I have been running on an IVA for a good while now but became unemployed about a year ago. So now I am faced with the option of declaring bankrupt as I have no money to maintain an IVA with. My only concerns are: a) What happens to my existing (debt-free) bank accounts after the bankruptcy? I am referring to the…
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IPA letter to sign
Hi weve received our letter for NT IPA, however im unsure as to whether it is only for NT. We were told that for now we would have the NT IPA, and OR is going to review our I&E at the end of feb, we are both taking decreases in wages and dont know what our new take home pay will be, so by the end of Feb we'l have new…
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BR and council tax debts etc
hi we are going BR after xmas if we do can £1200 council tax arrears be added to this, we also owe the inland revenue £6k can this also be added as well as utillity debts and credit cards etc Thanks in advance
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Re: What is a 'Special Instruction' Indicator?? Plse help me x
I have just obtained my credit file as looking to apply for a new c/card. However just realised with Experian it shows my bankruptcy (not seen before and in process of cleaning) however it states not settled with nationwide although the default date ties in with bankruptcy...it shows a special indicator from 01/03/09???…
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Nil Tax Code when claiming Jobseekers Allowance
Hello, What happens with respect to the Nil Tax Code when a person's becomes bankrupt and their sole source of income is Jobseekers Allowance but they had been on PAYE earlier on in the tax year?
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Re: Credit Card - Life after bankruptcy 2005
Hi Guys, I have had a c/card with Halifax for a while now to rebuild my credit since being declared bankrupt in June 2005. I was discharged in 2006 and have been making regular payments and trying to build up my credit history. Equifax does not show my bankruptcy although, Experian does and also indicates me failing in red…
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Official receiver lied to us-wife in tears!!
Hello We went bankrupt 3 weeks ago. We both had official receiver interviews, it was on tuesday. At the end of the interview the woman told us we would NOT have to pay any money per month as i was on low income and my wife is on benefits. This came as a great relief. Tonight we came home to a letter twlling me i have to…
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So glad I no longer do credit
Well I have just come back form ASDA and oh my god for the first time ever have I realized just how dangerous Credit Cards are :eek::eek: People are crazy, 2 trolleys stapped high three trolleys deep at the till £485.78 one woman spent and when the cashier said that should see you through to the New Year :eek: her reply…
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Bankruptcy Questions - New Question Post 6
Hi there all, Never posted here before, so please bear with me on these newbie questions! I'm sure they have probably been asked a million times, have done searches and can't find the exact answers unfortunately! Anyway - first of all my bankruptcy order has all been done and was declared on the 15/12/2010 - scary times,…
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Housing questions - need some pointers
Hi all. I have now not been a bankrupt for 8 days, and it's a good feeling let me tell you. For all those considering or struggling, can I just say that it does come to an end sooner than you think it will, it feels like a life sentence when it happens. Anyway, to my point. I have not heard anything about my house since…
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House Contents Insurance
Good evening all, After having just sat and typed all my information into one of those comparision websites for a quote for contents insurance, I get to the end and it tells me 'there is an error, please call......' When I rang them, they asked me all the same questions I had just answered on the net....and then he asked…
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Hubby's bankruptcy causing me grief!
Hubby was made redundant last year and ended up bankrupt, when we got married a few years ago someone gave us a cheque as a gift, it was made out to Mr and Mrs, so we added me to his RBS bank account making it a joint account. I also have a mortgage with the RBS, but is only in my name, we forgot about the account being…
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Urgent advice please!!!!
basically the story goes i have un paid council tax, currently live with a couple of house mates the tax was for my previous place my house mate had put my mail all together but had stuck it all in a draw to give me but had forgotten, when i found them all there was final demands of the baliffs i rung them straight away…
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BR and Housing Association Tenancies.
Hi Am just asking a question on behalf of a friend She is a tenant of a Extra Care Housing Association and Supported Living type place. Her rent is £720 per month most of which is paid by Housing Benefit as she does not work due to suffering from Bi Polar. Her boyfriend and her would like to move in together, he works full…
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Statement of Affairs - Advice Needed
Hi I attach my statement of affairs. Can someone please check and advise. Everything is in my name and I am now BR and have to meet the OR next week. I know it is showing a shortfall, but my husband salarys varies so have just put down an average for the time being. He is not BR, and as you can see, he more than…
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Six months down . . .
So I've now been bankrupt for six months. I guess it's gone by pretty quickly. Only another six months to go. (After the changes to the IPA rules, I'm not hoping for ED any more.) Since my initial interview with the OR and my dealings with Moonbeever I've not heard a thing. Is that normal? Should I expect to hear anything?…
