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Can anyone advise please
Saw this on the DFW board and thought someone might be able to offer the OP some advice I've posted a link to this thread in the original post on the DFW board [IMG]file:///C:/DOCUME%7E1/HOME/LOCALS%7E1/Temp/moz-screenshot.jpg[/IMG] I hope I've done this right ..... Monthly income Wages: £1,156.00 Child benefit: £56.00…
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Early Discharge Process
Don't know whether to laugh or cry. Have just informed Clarke Willmott of my change of address. Good news! Even though my rent has gone down by £50 they don't think this amount is worth changing my IPA for. Bad news: I just spoke to the OR about changing my address, and found out I am not going to be getting ED as I have…
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IPA question
Hi Everyone Im now ready to go and file the forms for BR, looking ahead i am concerned about how the OR will look at my current and passed earnings. I am self employed my income has dropped a lot over the past 3 months and jan feb mar are always the least busiest months for me. When it comes to looking at an IPA will the…
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Happy New Year all!
Well then Haven't been around much over Christmas, but to fill everyone in: I have finally moved - goodbye Plaistow, hello Peckham Rye. Rent is higher, though still shared as I couldn't afford to get a place on my own unless it was a manky bedsit. :rolleyes: My budget for this month is utterly screwed - having just paid…
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who is the OR?
who exactly is the "OR"? does a liquidation practioner get appointed, is it random or local? just wondered. or is it an official HMG office?
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Heartwarming thought for you, ref OR
lets feel sorry for the OR acting in the matter of the Ltd company liquidation that saw me wave goodbye to £13,000 owed to me, they (the OR) contacted me, because they couldnt find enough cash to cover their fees, did i have any info on the ltd company! mind you, at £250 per hour i think they were expecting a lot and no, i…
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Yes the best xmas pressie - Early Discharge
Hi Guys This morning i checked the Insolvency Service website and i was discharged on Monday that has made my day well infact xmas, Next year is a whole fresh start. Help please on what i need to do next, ie check my credit reports and get them updated, can i get the discharge notice from court without paying the £60 is…
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Correlation Between Fireworks and Financial Health?
Good afternoon all, and a Happy New Year.:beer: :beer: Did anybody else notice how short and lacking in thunder last nights Firework displays were?:confused: In previous years the displays around us have show a typical British "one-up manship" of looking and sounding like El-Alamein.:rolleyes: :rolleyes: That was my late…
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my divorce solicitor made me bankrupt
I was insolvent when a large group ( chain? ) of solicitors took me on. Some family money helped initially. More money. needed ! Further indebt. They abandoned me. Litigant in person. Wanted full payment.after divorce settlement. Offered an amount. refused, made me BANKRUPT. Judge said, when discharged, might have a case…
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The Other Half
First of all Happy New Year and all the best for 2008! I've got my BR hearing booked for the 14th of January 08. My wife and I have a joint bank bank account with HSBC and it's currently £1500 overdrawn, which has been the norm for the past 3 years! Living in an overdraft has been the way we have lived. What will happen to…
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Please can you check my I & E figures
Evening I am preparing to fill out my BR forms and I am just going through my Income and Expenditure - I really dont want an IPA! The figures are based on my half (50%) of the bills when me and the OH permently live back together. We have one daughter. My Income - £1171 Tax credits - £22 (half) Total - £1193(this excludes…
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CCJ payment due, no bankruptcy hearing date through
Hi. Agreed to pay £10 a month to a creditor via a CCJ notice (in writing), and I'm in the process of awaiting court date for bankruptcy hearing. Havent told creditor (guess that should be creditor's solicitors) I'm planning to go bankrupt. 1st payment due on the 5th of January. Do I pay them as agreed or tell them I'm…
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First Steps
Hi Everyone I'm back I just wanna say thank you to those of you that I have given me very positive information and making me feel at ease about going thorough my BR. With the help of my aunt, I have completed the forms (hope they are done correctly) Oh is there anyone I can go to, to make sure that I have done it right? I…
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Goodbye 2007
How many others like me are soooo glad to see the back of 2007. I am so glad it is almost over and just hope 2008 brings better things. Not only have I had to deal with b/c i have had personal issues from bereavment, to personal illness, to relationship issues. Has to be marked as the most disastererous year ever. Sorry…
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IPA, is this right?
I went BR in Oct. I was told that as half my income was from benefits and that there was insufficient money left over after my monthly expenditure that an IPA wasnt being imposed. I agreed to pay an amount similar to my tax every month (£70) when my tax code went to nil which was to be collected by a local solicitors firm.…
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Partner in deep do-do and just found out!
My partner of three years told me on Saturday night that he was about £30k in debt and that he needed my help. Okay, not a great situation to be in but I felt that 30k was manageable between us. I spent yesterday, going through his accounts and in actual fact, he owes around £47k, with 1 unsecured loan and 5 credit cards.…
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Self Employed I&E
Hi, I thought I'd start a new thread just incase anyone else is going through the same stuff. I've just put a spreadsheet together of the E's - and previously I put away 23% for tax bill (which I dipped into to pay credit Co's / bills - but that's why I'm BR!). With a Nil Tax code - does this now need to factored in? Or…
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Query about bank accounts
Hi all I know we're very limited as to what accounts we can get - I applied online for a basic account with Bank Of Scotland, and then realised the site I get to the link from said they usually don't give accounts to undischarged brs. Heard nothing for ages, and then moved - went to pick up my post recently and had a…
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Question about RTU/OR
Hi all I went br in July of last year and it's all gone very smoothly so far. I was in a very low paying job due to disability at the time, so they were going to change my tax code to NT so I could make some contributions. At the end of August I lost my job, I called to let the OR know and they said they would just put my…
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10 Months since BR and heard nothing!
Myself and my wife have been BR now for 10 months now. We have heard nothing from the OR since our telephone interview on BR day. Other than a standard letter to confirm they have no interest in our rented property. Can anyone please let me know if this lack of contact is normal? And is no news good news? We are obviously…