The Bankruptcy Club & Supporters Club

Discharge0607

Doushka wrote:

Hiya Discharge06/07

half way to discharge, not bad eh

please tell me youre not still getting unwanted mail from creditors etc - I'm only newly br and am loving the reduced post of that kind (now if MBNA and associates would stop harassing me by telephone I'd be doing ok)

oh and I almost forgot to say, welcome to the board

Doushka

Hello and thanks for the welcome...no its not from creditors I worry, its what the Official Reciever may throw at me...Although a BRU is not a big deal for me...It just something I dont REALLY want..plus no IPA as of yet...and NT code still wating to be applied....Thats what I mean about waiting!

Mike_St_Helens

bloomin_freezing wrote:

619 of 2006!!! Bring me sunshine!

x

Hey BF - Start of new beginnings eh !!

Mike_St_Helens

Discharge06/07 wrote:

Hello and thanks for the welcome...no its not from creditors I worry, its what the Official Reciever may though at me...Although a BRU is not a big deal for me...It just something I dont REALLY want..plus no IPA as of yet...and NT code still wating to be applied....Thats what I mean about waiting!

Ive had my letter about an IPA and NT already and I was B 06/11/06... Does that mean it will start very soon.. Or can it still take months to deal with ?

Mike

Discharge0607

Mike_St_Helens wrote:

Ive had my letter about an IPA and NT already and I was B 06/11/06... Does that mean it will start very soon.. Or can it still take months to deal with ?

Mike

I dont know with the IPA, but I know with the NT sometimes its never applied!

Mike_St_Helens

Discharge06/07 wrote:

I dont know with the IPA, but I know with the NT sometimes its never applied!

That would be nice... Ive had a note rom the OR though to agree to one, but nothing from the tax office.

had a look at my CRF today.. Big black Bankruptcy all over it !! Should I now start chasing the creditors to show acciunts satisfied to start 'damage limitation' on my Cred file do you think... This is an area Ive never really dealt with.

Discharge0607

Mike_St_Helens wrote:

That would be nice... Ive had a note rom the OR though to agree to one, but nothing from the tax office.

had a look at my CRF today.. Big black Bankruptcy all over it !! Should I now start chasing the creditors to show acciunts satisfied to start 'damage limitation' on my Cred file do you think... This is an area Ive never really dealt with.

Hi there...Its not worth it just yet, as the accounts are not 'satisfied' until discharge...(My understanding anyway)....May as well wait until then

sandralovescats

Doushka wrote:

Again, this is one of the things the OR excluded from my expenses. Is there anywhere I can refer to when I query this with her?

and, out of interest, what is the second big difference? (its probably clearly in front of me somewhere obvious, too obvious to see)

Yes, Doushka, it is on the insolvency.gov.uk website under the explanations about the processes of bankruptcy. They are NOT allowed to touch your DLA AT ALL, that is without question. The website states quite clearly that State Benefits are excluded from the calculations.

The other difference is that in IVA they take ALL of the disposable income, with bankruptcy they take about 50% of the disposable income.

I fail to see why the OR should not allow expenses for your cats. They are part of the family. Do they expect that they are to live on fresh air? Or do they honestly expect you to get rid of them.
I can understand the charity exclusions and memberships, but not food and cat litter. Totally unreasonable in my opinion but then I have always had cats and when I lost my 19 year old black cat in August it was worse than losing a child.

Get a letter sent to that dozy OR asap and sent it Signed For.

I would also mention that you feel it is unreasonable for her to exclude your cats since they are members of the family and need to be fed and kept clean. If you feel an OR is being unfair you can ask for it to be reassed.

sandralovescats

Doushka, I found the link for you -

http://www.insolvency.gov.uk/freedomofinformation/technical/techmanvol1/Ch61-72/Chapter61/Part3/Part3.htm

Look at section 61.25

Doushka

sandralovescats wrote:

Doushka, I found the link for you -

http://www.insolvency.gov.uk/freedomofinformation/technical/techmanvol1/Ch61-72/Chapter61/Part3/Part3.htm

Look at section 61.25

thanks for looking and giving that link sandra, but that reference is actually to state pensions which is totally separate from state benefits

I'm taking a gander myself now, but my head is totally fogged today and haven't felt this ME'ish for a good few months aarrrgggggggghhhhhhhhh!

Doushka

however, I think this is what you/I/we were looking for

http://www.insolvency.gov.uk/freedomofinformation/technical/techmanvol1/Ch25-36/Chapter31/part5/part2/part_2.htm

31.5.17 State benefits

In the majority of cases state benefits will not vest in the trustee. The Social Security Administration Act 1992 section 187 provides that benefit as defined in the Contributions and Benefits Act 1992 section 122, any income related benefit or child benefit shall not pass to any trustee or other person acting on behalf of the beneficiary’s creditors on the bankruptcy of the beneficiary. In practice this definition of benefits is wide enough to cover all benefits likely to be encountered, excluding only "Old Cases" benefits. "Old Cases" benefits are allowances and benefits payable in respect of industrial diseases and workmen’s compensation under the Workmen’s Compensation Acts.


now is this confirming what you said sandra? sorry, my brain just will not comprehend but I need to get it sorted and my letter off to that daft woman