So what next?

penny-less_4

Hi again!

So I went BR back on 7th May this year, and everything appears to have gone as expected, but I've now reached the point of wondering what happens next.

Having read some of the posts on here I am led to believe that at some point over the next 9 months the OR will send me some forms to complete - is that correct?

If so, what are the forms and what information will I need to give?

If that's not correct, then how do things go from here? Any advice would be greatly appreciated!

I would also be pleased to hear about the prepay credit cards that you can get - in particular, the costs/fees that I would expect to pay if I used one.

Thank you very much.

Kind regards,
Penny x

dalip

Hi Penny
Have you had no contact with the OR at all since bc?. Usually the OR sends a form for you to sign allowing them to apply the nil tax code and also an IPOQ for your income and expenditure straight after bc. If you have already had those then the only paperwork you may get would be an EDREV IPOQ which is another i&e for poss early discharge any time after 6 mths.D

penny-less_4

Hi dalip

Yes, I have sorted out the nil tax code and IPOQ, but was just wondering what else to expect, if anything, before discharge.

Penny x

So_Sad_Angel

Hi Penny,

I don`t know about what happens after BR so I can`t really advise.

Prepay cards...I got one when the credit stuff started to get tight.

I use Virgin Mastercard costs 9.95 to set up but no credit checks , no monthly fee, no cost to top up at post office & can use everywhere as it is a Mastercard. There is 2.95% on transactions (29p for every £10 used).

I find that as I load my money on it I am much more careful in using it...which is a good thing. Also for holidays (remember them????) , Xmas & also I have an amount on mine for emergencies like car, vets etc.

Hope this helps Honey,

Angexx