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had 2 face to face OR interview now worried
hi folks i have just had the interview with the or. i am woried about getting a B.O.R against me. my dept is to the inland revenue for income tax and ni dating back 10 years. i also was quite a heavy bambler, and from what i have been reading on hear these are two of the thing that can make the or decide to apply for a…
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Proud to be dealing with my debt
I have noticed his on a few signatures, and it seems to be only on the DFW's people. I greatly admire each and every one of them. I wish that I had been in the position to sort it all out. But, I must admit, that I feel proud to have dealt with my debt too. To have faced up to a situation that was pretty hopeless. To have…
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Discharged! :)
Received a letter from the OR this morning with a form 6.82 my offical early discharge :j I was only bankrupt 9 months :) Tis great news, but in reality, what difference does it actually make to me now. What can I do today that I couldn't yesterday? I'm sure the information is clear somewhere on this board, so please feel…
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What will the OR make of this?
Hi all, Im looking for advice if I can, about going BR and what the OR would make of my situation and reasons for doing so - maybe best if i explain..... I have a lot of debt, and wont be debt free for a very long time. I have, upto now, managed to keep the debt at bay with various self arranged payment plans - i get…
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Last few questions ........
Hi, After our recent appointment with a CAB, I came away with a feeling that the advice we were given was wrong, please dont think I presume that i know more than he does, its just the advice that was given didnt 'sit' well ! I dont want to go into details on a public forum, I have taken advice/ opinions of a couple of…
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What to do before BR date?
Please accept my apologies for all the questions I'm asking at the moment - all this is such a big step. I will need some time to save up the BR fees and estimate that I will have the money in early January as the business should trade well again over Christmas allowing me to draw my first earnings and I know I will…
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Creditors - what should I do?
I'm due to pay all my creditors on or around the 25th Sept, do I tell them I'm going for BR and not pay them anything or do I explain my situation about my maternity pay kicking in and not having another money to pay them, offer them £2 and send them a copy of my budget sheet to keep them off my back for a while?…
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Rent arrears from years ago
Dear all, Made bankrupt 3/9 and have applied to council for housing as likely to lose home. Got letter back today saying that they have provisionally accepted my application, but they have a debt in my name of £350. I don't know what this is for but I did live in the area about 13 years ago and ended up getting evicted so…
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Previous CCJ's
As part of my divorce settlement in 99 my ex-husband and I split the debts that he had accumulated. Due to the divorce and employment circumstances this meant that I couldn't keep up with the payments on my half and three CCJ's were made against me in 99/00 which are being paid off at £1 a month. There was a fourth debt…
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How honest are OR's?
I have my interview this thursday and am hoping to beg/grovel/bribe (ok maybe the bribes not a good idea):confused: the Or into NOT telling me landlord about my BR. If they say they won't then are they likely to stick to that or can they change there minds/do what they please? Am feeling a little untrusting of people at…
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I've just had appointment with the CCCS
I've just gone thru my budget with a lovely lady from the CCCS, total left for creditors each month = £109, amount I actually owe creditors = £43,000!!! So she's suggested bankruptcy. I've explained my concern to her about my old living circumstances (ie no tenancy agreement and the huge fear the guy I rented the flat with…
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Liberty's SOA
SoA for myself and daughter 16 and son 13 Rent £600 Water 49 council tax 87 Electricity 80 Contents Ins 13 Fone inc mobile and internet 50 TV Licence 12 Digibox 10 TV rental 8 Kids life ins 3 road tax 16 car ins 18 AA 13 car maint MOT etc 30 fuel 50 bus pass for college 31 food n housekeeping 350 clothing 52 school trips n…
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Ipa
Hi - I hope that all are doing okay. Can I ask what anybody thinks concerning an IPA please......I did not have a proper interview with the OR - I spoke to him briefly and it was followed by many e-mails where I submitted information etc......He told me last week that my information had been sufficient to dispense with the…
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Getting money out from your bank after BR
Hi, Hopefully this is a nice easy short question.... I went Bankrupt last week, my OR has gone on holiday for 3 weeks, and my tax credits and CHB has gone into my old bank account (about £240). I'm going to have to go into my bank and take it out. I was told by the OR's office just to give them my BR notice and they'd have…
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dont want a phone interview, is it ok?
hi, im planning to go b/r end of september, but i would prefer to have a face to face interview rather than by phone. its mainly because of the privacy aspect, my wife always seems to have somebody calling round for a brew or something and i dont feel it would be right under the circumstances to speak on the phone. so my…
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Finally Doing It
Well , way back in June I started asking you guys a few questions , you were all very helpful. I must admit I got really scared about going for the BR. I have "dragged my heels" a bit , but , my OH and myself have submitted our online forms , we are in court tomorrow . I am still trying to balance that thing in my head of…
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br forms
hi,we have filled in a hard copy of the br forms in pencil and now want to fill it in online,can you post me a link to were the forms are, im also going to post my i+e tommorow for your thoughts thanks everyone. also am i right in thinking that i have to ring the court for a date to file the br forms as the oldham courts…
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Affect on OH
Hi all Been lurking and reading for a while and finally its sinking in that I can't go on. Looks like BR is the only route but I have a couple of questions ? I live with my girlfriend and if I were to go BR would I need to declare her income on the forms ? And how would I put things like the rent down ? Currently I pay the…
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Every so often...
....while looking for something else, I'll stumble across an old unopened credit card statement! Why did I think not opening them made them better in some way? And, more importantly, why did I file them in random drawers? The bin would have been just as effective and saved me finding them till I'm 65 :rotfl: And you know…
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online form completion question
I have been looking through the threads to try and find out about completing forms online (i have started) most of my debts have benn passed on to collection agencies as they are almost all from my previous marriage back in 1998 does that mean i need to put the collection agency as my creditor or the original lender. Again…