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BR and tax rebate
i am due a tax rebate but went br last week can we use the money to replace our car as its falling apart i am not talkin thousands just maybe £1000 what would happen with the paperwork as its the old car listed the OR has not looked into us yet thanks
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bank accounts
hi we have gone br last week what banks can you use for a account barclays refused us and we included lloyds, nat west and hsbc in our br so suppose cant use them any others please thanks
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Br today (yay).... Prepaid MasterCard?
Hi all... Br went well today. Just had a thought and was wondering what the deal is with pre-paid MasterCard, particularly the ones with credit builders... Was wondering if this would be an easy way to pay my ongoing liabilities, eg phone bills, and if this is allowed as I paying up front - thx
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ipa from nt tax code query.
Hi,firstly a quick thanks to all that contribute,we went BR last month OR rang tuesday,have letter today saying off my income i agree to pay 180 pound a month until next april,which starts when tax code goes to NT. Just looked at my pay slip im paying 90 pw in tax so as the order claims 45 pw,what happens to the other…
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Money to live on
Hello there. Here asking for help. Could I ask please. Does anybody know whether the BR process takes all your liquid funds from your bank account after it has been frozen. I know this sounds a silly question so I will explain what I mean. I have changed my bank account to a BR friendly one with a bank that is unrelated to…
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suicidal!!!!hmrc are tryin to take our home
please help someone have nowhere left to turn dont know what to do im bipolar and very ill right now i cant cope with stress in the last five years ive lost my mum my brother and father in law my daughter has mental health problems and is in care she just had a baby and social services have taken it away my eldest son is…
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Help needed please...nightmare ex!
Hello, My husband and I would really appreciate any advice anyone might be able to share with us. My husband owns a house with his ex-wife which has been on the market for over 4 years. She lives in the house and my husband has continued to pay half of the mortgage during this time. She has purposely chosen not to reduce…
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Finally taken the first step
Well, Ive finally taken the first step, i've opened a basic cash minder account with the co-op, card paying in book etc should be here next week sometime he said :) then I can transfer my wages, Ive printed off the froms and my all i can say is I have a big head ache coming :( I fi get stuck filling out the forms im sure…
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inheritance in estate
Hello all just wanted to see if anyone would have any idea how my situation will pan out before i speak to the or. I went bankrupt last november and have not been discharged yet and look like i am coming into a large inheritance as i just lost both grandparents unexpectanly which will clear the debts owed through the…
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Bankruptcy
Hello Everyone, Can i pick peoples brains... I lost my job in Feb which caused me to miss payments and get further into debt. I just got a job which my basic is £675 take home but once i start getting commission i think it probably be around £1350 PM. I have out goings of Rent to my parents £300 Council tax £35 £250 i pay…
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Credit card debt .. curious !
I am writing a thesis / short story on bankruptcy etc for my course & am after a bit of help Imagine this scenario, an individual with a decent credit rating in a house he/she has lived in for a number of years, he has/she has plenty of savings in a few bank accounts, but wants to take out several (3 for instance) credit…
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AD Today (I think...)
Dear friends, today is exactly 1 year since the dreaded court date that resulted in my BR. I was worried about even lasting the year back then but in the end it seemed to go so quickly - I guess you just get on with life and time rolls by. Anyway, I'm sure the answer to my question has already been posted many times but if…
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Partner maybe moving in.
Hi All, I posted a while back about what happens if my girlfriend moves in with my IPA. To recap, I was made bankrupt in November 2009 and an IPA started in January 2010. I was discharged early (yippee!) in April 2010. I informed my OR about annual pay rises but no change was made to my IPA. I have managed to keep my head…
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a little advice needed please
Hi My friend's husband is about to go bankrupt after his business failed. My friend is now in a state of panic as her name is on her Mum's house (no mortgage) and she has a number of joint accounts with her Mum. All the money in the house and the account is her Mum's. Will the bankrupcy mean my friend will lose all her…
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Today is my OR Interview ....
Oh I am feeling so churned up again - I went BR last Monday, 28th, and this afternoon is my telephone interview with the OR. I spoke to the examiner last week when he called to make the appointment, and made a bit of a t*t of myself, and I am now dreading this afternoon. He said I just need my completed forms in front of…
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IPA - Change in income
Due to these new benefit changes my husband's and my income has/or will over the next month go down by £155 (taking into account loss of tax credits, but also rise of tax code.) We pay an IPA of £64 to Moonbeever per month. If this gets unmanageable due to the loss of Tax credits would I be able to contact moonbeever and…
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Bankrupt - Debt still on credit report!!
I was declared Bankrupt and released in 2007 after personal debt. On my insolvency from I declared 2 debts with HSBC roughly amounting to over £11000, and 5 other debts. I have been having trouble opening a current account and was advised to check my credit report with Experian which I have just done. The 2 debt with HSBC…
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My SOA - IVA or BR?
Hi I wonder if you wise people could give your opinions on my SOA below? A couple of things I'll explain first - I have a company car (so no car costs other than personal mileage and a bit of parking) - The ex pays for the mortgage and secured loan (Although they are joint and he has an IVA...) - I pay my partner a…
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Newbie who needs help please!
Hi Everyone I am currently in an IVA but struggling now. I am in 86 grand of debt, no equity in the house and own a car valued at about £2200. I was managing ok with the IVA but having had a second child last august we are now struggling. i've just done my income and expenditure for the IVA company yearly review and they…
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Can anyone help with a Vol repo letter and what number BR forms do I need?
Can I just check that the forms I need to print out from the insolvency website are the NEW version of 6.27 and 6.28 and do I need 3 copies of each form? Also can anyone help with a letter to the mortgage company with regards to handing back the keys? I have seen one on here before but can't seem to find it now. Thanks…
