wILL I HAVE TO PAY INTO MY BANKRUPTCY?????

miss_spooky

Samyc,

SOA looks ok. Does your school not do a breakfast club or is that who the prices are for? I know most do nowadays.

Mitchaa,

The tax credit's would adjust accordingly but at least she wouldn't be paying someone unecessarily or trying to rip her off.

With the telephone, although this does seem a little high, for br purposes most of us lump together mobiles & landline phones. The allowance for telephones is £60.00 so providing the BR stays under that, it will not be questioned.

The generous allowances are so that the BR doesn't end up in debt again & can afford any incidents that pop up. i.e if a family member is ill and there are lost of calls that exceed your tarrif etc, this could easily put you up to the £30+ so with a £60.00 allowance you are covered.

I'm with BT & get free 0870 & 0845 unlimited calls but that comes @ £17.50pm + any extra calls outside the allowance so my bill is approx £25pm.

samyc

WELL ....
OR has just called me... got my interview by telephone next wed at 10AM shes calling my works number! Little scared now!! she says it should take around 20 min?
and yes my tax credits would change but its already money i dont see so therefore i wont miss what i havn't got that way it wont effect me!
she says the only thing that i need it the form i filled in for court so should i still have my SOA in front of me??
also she asked me to get the dates ready of when i took out the debt which i did put on my form but most of them are from earlier on in the year, thats when everything started to spiral, will this matter?? she seems ok, and has asked me to email accross a few things tomorrow morning ... still bricking it tho!

dalip

samyc wrote: »

WELL ....
OR has just called me... got my interview by telephone next wed at 10AM shes calling my works number! Little scared now!! she says it should take around 20 min?
and yes my tax credits would change but its already money i dont see so therefore i wont miss what i havn't got that way it wont effect me!
she says the only thing that i need it the form i filled in for court so should i still have my SOA in front of me??yes they basically go through it page by page
also she asked me to get the dates ready of when i took out the debt which i did put on my form but most of them are from earlier on in the year, thats when everything started to spiral, will this matter??as in you took out credit earlier on this year? if so they may ask about thisshe seems ok, and has asked me to email accross a few things tomorrow morning ... still bricking it tho!

Yes for 90% of bc the interview is the worst. You are not alone and we all understand how you are feeling.Dx

samyc

yes i had my car which left me £18k in debt a few catalogues which ive had for about 2yr and alot of pay day loans etc will this matter?

dalip

They look at the date the credit was taken out....if recently they could argue that you took out credit knowing you could not repay it. Dx

samyc

This is the email I have sent to my OR this morning plus the attachements for my car that she had requested. Do you think Im in trouble?????

I rang my creditiors and asked the dates I took out the agreements which are as follows :

TxtLoan : 10-07-2009
MiniCredit: Around August 2009 ( I could not get through)
1 Month Loan: 09-07-2009
Cash Genie: 31-07-2009
Provident: 06-03-2009
Very: 01-08-2009 roughly
Capital One Finance: 06-05-2009
Swift Money: 01-07-2009
Next Directory: Around 2004
Great Universal: Around June 2008
Welcome Finance: Around 2007
Barclays closed my account with balance outstanding: Dec 2008

Quite alot of my creditors agreements started in the middle of this year and alot of them are payday loans as I thought that I would be able to pay them back the monthly amounts, when I finally realised just how many I had taken out using them all to pay another creditor is when I knew that I had to seek advice.
If you require any further information please do not hesitate to contact me.