A Special Quiz

script

What are the ALL the forms and their official names that you get -


1. Before the Interview with the Examiner

2. After the Interview with the Examiner

3. If you are written to telling you the great news that you’ll get an Early Discharge

4. If you are written to with the still good news that you’ll get an Automatic Discharge

5. And what other forms may you receive during your Bankruptcy



By the way it's me that needs to know the answers!

philnicandamy

something your not telling us script? you should know most answers to these questions anyhow by people here that took time to respond to your past postings....as well as you already have access to the IS tec manual :rolleyes:

sorry to be grumpy though....posts like this I really cant see the point of all they do is stop potential people who really need help here....and the point of the post? it really is things like this sometimes that make me wonder why I bother helping anyone ..

fiveyearplan

That quiz is a great idea - next time I have some coursework to do I'll find a relevant forum and post up a quiz with all the questions! Brilliant! I wish I thought of that a couple of months ago when I needed it!

script

I do sincerely apologise.

I never meant to upset anyone.

I was attempting to try (and failed dismally) with a bit of humour.

When life gets me so down - I try and "lighten" it up a bit. But it's best not to inflict my style of humour on anyone else.

The "quiz" thing was entirely for my own benefit.

Its me that needs to know all the answers.

Although I have asked many of the questions before and I'm extremely grateful for all the advice and answers.

It would have helped me to have all the details in one place.

But again 1000 apologies for any upset.

And I have edited the post so that it makes more sense.

philnicandamy

well...the best thing to do is search back through all your past posts & see what people suggested then instead of starting new post after new post

script

Good point - and I'll do that.

The only thought I did have - is that having all the answers in one place - may have helped anyone new to the forum.

Anyway again apologies for causing the upset.

philnicandamy

I can see your way of thinking...BUT there's already a sticky with enough needed information for now...too much info particularly at a time when someone's considering bankruptcy can confuse & upset someone....if you think this needs adding to then contact Fermi & see what happens...

script

Good idea,

Maybe if lots of people ask the questions that I mentioned it would be good to ask for a "sticky"

I think at the moment it was mainly me that wanted the answers.

dollparts

script wrote: »

Good idea,

Maybe if lots of people ask the questions that I mentioned it would be good to ask for a "sticky"

I think at the moment it was mainly me that wanted the answers.

Do you mean like some sort of FAQ?

script

Yes that sort of thing.

blind-as-a-bat_2

fermi wrote: »

Bankruptcy Help: Important topics, factsheets and links

Note: This is a work in progress, so it is gradually being added to. Any suggestions are welcome, but I am trying to keep this as a useful links "database" rather than any type of "guide".

From Martin: Welcome To The Bankruptcy Board




Advice on bankruptcy.

The court/judge will normally ask whether you have taken professional advice that bankruptcy is in your best interest. If they believe you have not taken proper or sufficient advice then your bankruptcy may be refused. There are many places and organisations that you can get advice from, but the ones that people on this board have found most useful are listed below:

Main recommended sources of help:

• Consumer Credit Counselling Service - Website: CCCS Telephone: 0800 138 1111
• National Debtline - Website: National Debtline Telephone: 0808 808 4000
• Citizens Advice Bureau - Website: Citizens Advice or visit your local CAB centre (find nearest)

Others:

• Business Debtline - Website: Business Debtline Telephone: 0800 197 6026
• Christians Against Poverty
• PayPlan
• TaxAid - Help with tax debts.

For general queries about bankruptcy you can contact:

The Insolvency Service Enquiry Line - Tel: 0845 602 9848 - Email: [EMAIL="insolvency.enquiryline@insolvency.gsi.gov.uk"]insolvency.enquiryline@insolvency.gsi.gov.uk[/EMAIL]

(Please be aware that the enquiry line cannot give debt advice or counselling or advise you whether you should go bankrupt. They can only answer general/technical questions on bankruptcy)

Many people find that debt and bankruptcy is the cause or result of a period of great distress and anxiety in their lives. For some this can reach a stage where it is difficult to cope. So I would remind you that The Samaritans are available to help you through your troubles if the emotional side threatens to become overwhelming.

Please also read the info on Debt Relief Orders.

Citizens Advice Bureu: Debt relief orders

National Debtline factsheet: Debt Relief Orders

For help on acronyms/terms, please see: Glossary for "Bankruptcy & Living With It"



General information on bankruptcy.

• Official Insolvency Service publications and factsheets - Main index
• Guide to Bankruptcy (IS) (pdf)
• FAQ - General Bankruptcy Queries (IS)
• How to petition for your own bankruptcy (IS) (pdf)
• What happens when you are interviewed by the OR (IS) (pdf)
• Petitioning at the high court? - Help on the day (MSE)

Court fee remission and forms.

• HMCS - Court fees do you have to pay them? (And guidance on completing the fee remission form). (pdf)
• HMCS - Form EX160 - Application for a fee remission (pdf)
• Example application for a fee remission based on gross annual income - EX160 (Thanks to NE Derbyshire CAB)
• Example application for a fee remission based on permitted benefits - EX160 (Thanks to NE Derbyshire CAB)
• Possible assistance with Bankruptcy costs / fees (Thanks to NE Derbyshire CAB)

Completing the bankruptcy petition and Statement of Affairs.

Online forms:-

• Complete the forms online (registration required)
• Online Forms Service - Frequently asked questions

Forms to print and fill in:-

• Debtors Bankruptcy Petition (form 6.27) - pdf version / MS Word version
• Statement of Affairs (Debtor's Petition) (form 6.28): pdf version / MS Word version

Example completed forms and guidance notes:-

• Debtor's Bankruptcy Petition 6.27 Example (Thanks to NE Derbyshire CAB)
• Statement of Affairs (Debtor’s Petition) 6.28 Example (Thanks to NE Derbyshire CAB)
• Statement of Affairs (Debtors Petition) Guidance Notes: pdf version / MS Word version

Bank Accounts.

• What will happen to my bank account? (IS) (pdf)
• Bank Accounts & Bankruptcy(MSE)
• Basic bank account booklet (FSA/moneymadeclear) (pdf)
• Table of available basic accounts (FSA/moneymadeclear) in HTML / or in pdf/Adobe Reader format.

Income Payment Agreements/Orders.

• IPO / IPA (Income Payment Orders and Income Payment Agreements) (IS)
• FAQ - Income Payment Orders / Agreements ( IPO / IPA ) (IS)
• OR's Case Help Manual - Income Payments Agreements (IS)
• OR's Case Help Manual - Income Payments Orders (IS)
• OR's Technical Manual - IPAs Assessment of real disposable income (IS)
• Nil tax (NT) coding/IPAs (MSE)
• Income Payments Calculator (Excel spreadsheet) (IS)

Insolvency Records Online.

• Individual Insolvency Register - Main page.
• Individual Insolvency Register - Search form.
• The London Gazette - Main Page
• The London Gazette - Advanced Search.
• Bankruptcy Restrictions Search

Bankruptcy Restriction Undertakings / Orders.

• Bankruptcy Restrictions Orders (IS)
• FAQ - Bankruptcy Restriction Orders / Undertaking ( BRO/BRU ) (IS)

Your home/property.

• What will happen to my home? (IS) (pdf)
• FAQ - Bankrupt's Home under the Enterprise Act (IS)
• OR's Case Help Manual - Family Home
• If my house is sold sometime after the bankruptcy order is any shortfall on the mortgage still a debt in my bankruptcy?
• Charging orders in the county court - National Debtline factsheet (useful if a creditor is trying for a CO before your bankruptcy)

Cars and bankruptcy.

• What will happen to my car? (MSE)
• OR's Case Help manual - Motor Vehicles (March 2007)

Pensions and bankruptcy.

• What will happen to my pension? (IS)
• FAQ - Pensions (IS)

After acquired property.

After Acquired Property (July 2007) (Includes "Can the trustee claim property due under a will?")


Bankruptcy and the overpayment of state benefits.

• OR's Technical Manual - Recovery of overpayments of state benefits (Read from paragraph 40.102)
• Housing Benefit and Council Tax Benefit Circular: Recovery of overpayments after discharge from bankruptcy – following the ‘Balding’ judgement (pdf).
• Court of Appeal Judgement - Secretary of State for Work & Pensions v Balding [2007] EWCA Civ 1327 (13 December 2007)

Discharge from bankruptcy.

• FAQ - The Discharge Process (IS)
• OR's Case Help Manual - Discharge From Bankruptcy (January 2008)

Foreign Issues.

FAQ - Foreign Issues (IS) - Includes:

How can I make myself bankrupt if I live abroad?
Do the bankruptcy restrictions apply when I go abroad?
Does a bankruptcy order affect my assets abroad?


Credit Reference Files.

• Credit Reference File Clean Up Post Bankruptcy (MSE)
• Credit Reference Agencies: Experian, Equifax and Callcredit
• Information Commissioner's Office - Credit Reference Files
• Information Commissioner's Office - Bankruptcy - frequently asked questions (pdf)
• Information Commissioner's Office - Data Protection Public Register (search)

Miscellaneous.

• Bankruptcy Income Payment Order and loss of Housing Benefit - OP in this topic lost housing benefit due to increase in income from the NT tax code, despite that extra income having to be paid to the OR. This thread follows their (apparently successful) fight to get this ludicrous situation put right.
• Insolvency Service complaints Procedure
• How to make a complaint against an insolvency practitioner

National Debtline Factsheets (England & Wales)

• Dealing with your Debts (England & Wales)
• Weekly Personal Budget Sheet (England & Wales)
• Monthly Personal Budget Sheet (England & Wales)
• Administration orders in the county court
• Attachment of earnings in the county court
• Bailiffs and Council Tax
• Bankruptcy
• Catalogue debts
• Charging orders in the county court
• Credit reference agencies
• Dealing with debts in the High Court
• Debt Management Plans (DMP)
• Harassment by creditors
• Homelessness
• How can my landlord end my assured tenancy?
• How can I complain about my lender?
• How to avoid debt at Christmas
• How to deal with business debts
• How to deal with hire purchase debt
• How to make offers in full and final settlement
• How to set aside a judgment in the county court
• Interest charges on a consumer credit judgment
• Individual Voluntary Arrangements (IVA)
• Liability for debts and the Limitation Act
• Magistrates court fines
• Mortgage shortfalls
• Negative equity - what can I do?
• Parking penalties
• Replying to a county court claim form
• Review pack for people who can afford to make payments
• Review pack for people who have no available income
• Student debt
• Suspending a warrant or reducing instalments on a county court judgment
• Time orders in the county court
• Water rates arrears and water trust funds
• What if a creditor refuses my offer?
• What to do about debt when someone dies

Whats Missing