The Bankruptcy Club & Supporters Club

goonergirl

Just wondered if you can tell me (or if sandra still on here) why not to print the forms till the day before? I won't have any other info to add.

a
x

sandralovescats

goonergirl wrote:

Thing is Sandra we don't have any more money to allow for those things? If I increase the food I have to cut something else and everything else is the actual amounts I pay? we don't go to the dentist (unless emergency and thankfully only been one of them in 10years) and when my OH needed new glasses (cos he has expensive lenses cos of his prescription) we just told the house insurance he had broken them and paid the excess on the credit card? so I can't really increase food or clothes unless I say take it off the petrol? (althought that already under what we spend as rest would have gone on credit cards) would that be better?
we only have income of £1048

was the bit I wrote about reasons ok?
and why not print till day before ? ive got to get 3 copies done and anticipate with my printer there being some problem.

angie
x

That is fine, don't worry about it.

sandralovescats

goonergirl wrote:

Just wondered if you can tell me (or if sandra still on here) why not to print the forms till the day before? I won't have any other info to add.

a
x

That is information given by our three County Courts near to where I live.

goonergirl

Oh right she never said anything on the phone just have I filled the forms out and I said I just needed to print them off and then she said that I must bring 3 copies either printed or photocopied.

a
x

Nicky_3

Print the forms off when you like angie.

They are the forms you will be taking with you.

You dont need to have forms from the court - the ones online are fine.

less2303

sandralovescats wrote:

less2303 wrote:

Also from the insolvency service!:

The primary effect of WRPA is that approved pension arrangements do not form part of the bankrupt’s estate and thus the Official Receiver has no claim over the pension or any accruing benefits. Please note that this is only true in those cases where the bankruptcy petition was presented on or after 29 May 2000.

Those pension arrangements that are approved and consequently do not form part of the bankrupt’s estate are as follows:

All occupational pension schemes, which have been approved by the Inland Revenue for tax purposes (sometimes referred to as "exempt approved schemes").

All retirement benefit schemes set up by a government outside the United Kingdom for the benefit of its employees.

All personal pension schemes (policies) that have been approved by the Inland Revenue for tax purposes (sometimes referred to as "approved personal pensions").

All retirement annuity contracts – these were the main type of personal pension available prior to 1988.

All public service pension schemes established under legislation e.g. Armed Forces Pension Scheme, Fire-fighters Pension Scheme, Local Authority Pension Schemes (available to county council and local council employees as well as teachers), NHS Pension Scheme, Police Pension Scheme and the Principal Civil Service Pension Scheme.

All retirement benefit schemes being considered for approval by the Inland Revenue for tax purposes.

Stakeholder pension schemes.





Experience of people ON THIS THREAD whom have gone bankrupt will testify that personal pensions can and are taken by the OR!!!!!

Again read what it says above:

Approved pension schemes will not be taken

Non Approved pension schemes will !!

DO not generalise and say that all private pension schemes will be taken, it is simply not true!

Richard_S

less2303 wrote:

sandralovescats wrote:

Again read what it says above:

Approved pension schemes will not be taken

Non Approved pension schemes will !!

DO not generalise and say that all private pension schemes will be taken, it is simply not true!

Couldn't agree more less2303,

It's no good just skimping through something and coming up with an inaccurate mis guided summary.

Our pension fund was about £80k and the OR looked at the documents, passed it back and said it was of no interest to him. All I concluded from that was that he wasn't interested in the pension plan that we had, I wouldn't dream of concluding and quoting that an OR "never has an interest in a pension".

Richard

Mike_St_Helens

goonergirl wrote:

Just wondered if you can tell me (or if sandra still on here) why not to print the forms till the day before? I won't have any other info to add.

a
x

You can print them off whenever you like hun. If you were writing them out you wouldnt wait till the day before, printing them is no different.

goonergirl

Mike_St_Helens wrote:

You can print them off whenever you like hun. If you were writing them out you wouldnt wait till the day before, printing them is no different.

thanks mike
I was just worried if my printer jammed or ran out of ink etc that I might have a problem!
I don't really wanna go to the local newsagents and get them photocopied cos all and sundry come in while you in there and they so nosey in this village

angie
x

Mike_St_Helens

goonergirl wrote:

thanks mike
I was just worried if my printer jammed or ran out of ink etc that I might have a problem!
I don't really wanna go to the local newsagents and get them photocopied cos all and sundry come in while you in there and they so nosey in this village

angie
x

Print away my petal !!

BTW - Congrats - you have posted the 2000ths post !! You win a big kiss for that ...

mmmmmwwwwwwahh