The Bankruptcy Club & Supporters Club

milly_rhys

Btw Im Not Trying To Solve Family Debt As All But 2 Are In My Name My Hubbys Visa Is £100 And My Hubbys Loan Is £400 So No Point In Bringing Him Into The Bankruptcy . Thanks For The Help Off Everyone Sorry If I Seem To Be Messing It Up Every Time

earwig

milly_rhys wrote:

Look Back On This Page At Apost To Me From Sandra Loves Cats And She Mentioned It

thats fine im just saying what happened with us when my oh went bankrupct and i didnt we had two incomes and the or was only intressted in my oh not mine and when i say about bills i dint have any rent food ect as that was all coverd by my oh buget the only thing was that my oh couldnt buget for me was denist scripts or hair clothes ect as my income covered this that was fair enough i dont want to offend you im just sharring our experinces in bankrupcty with you

milly_rhys

Well For Starters I Am Telling The Truth !!

I Have No Reason To Lie , My Car Is Dla But I Still Have To Pay All Of My Dla For It . With Regards To Petrol I Am Going Off What The Cab Said I Should Use On Petrol I Never Think Of How Much I Put In I Just Fill It Up .
I Explained My Gas And Electric Are On Pre Payment Meters And I Spend 60 Pound A Month On Each So That Would Be 30 From My Income 30 From Hubby's .

milly_rhys

No Sorry Earwig Im Not Offended At All

Just A Little Upset That Sandra Thinks Im Not Telling The Truth .

milly_rhys

Can I Just Clarify Something

If The Only Income They Take Into Account Is My Income Support And Incapacity Benefit Means I Get £351.80 Per Month

Outgoings

£50 Rent And Water
£5 Council Tax
£60 Gas And Electric
£100 Food
£30 Phone And Broadband
£80 Childcare
£20 Weight Watchers

That Would Leave Me With £6.80 Surplus Income For Incidentals Haircuts Etc


Is That Right ???

Chilli_2-2

I have my telephone interview with the OR on Monday morning. I've read all the leaflets, but still not sure what to expect! I haven't had to fill in any forms really, just sign documents for the OR - no questionnaire to fill in - is this normal?

Also still waiting to find out if I have a bank account with Barclays - I get paid soon, and as yet don't have an account to pay into!

Mike - hope all goes well on Monday, it really is a relief to get it all over and done with - I'm sure you'll feel much less stressed come Monday evening!

Mike_St_Helens

rog2 wrote:

Hi Mike - At first glance it does look a bit daunting - there is a 45 page form, asking for specific details on debts, property, bank accounts, credit cards, income etcetera - I think it is probably just a bit more in-depth than the form that you filled in with your application. As a point of interest, I also filled in the same form, even though I was not petitioning for my own bankruptcy, and was not even asked for any info at court - so, possibly, you may not have to do this one.
There is also an IPO (Income Payments Order) questionnaire and, beleive it or not, two different Insolvency Service 'Customer Service surveys' - did the hangman ask his 'customers' to give their views on the level of customer service he provided just prior to their dispatch?:rolleyes:
Seriously, though, I think the forms are just to confirm ALL your details, debts and assetts, so that OR can decide on how best to proceed.

Cool.. Doesnt sound too daunting then.

As said, at least its all in the pipeline now eh.

Cuistomer service ! Bah !! Mind you, Im happy to give anyone 4 stars for taking away 130k+ debt......

Last day in work tonight, then the weekend off !! hurray.. Im not gonna dwell on Monday, Ive done enough of that, its simply now a formality. Gona drink lots of wine and try and finish my kitchen.. Ive been running round today like a blue arsed fly trying to get all the stuff I need so it doesnt appear like im spending the family bank balance after Bday !

sandralovescats

goonergirl wrote:

Hi
can I ask where you saw the bit about Child benefit and Child taxcredit as Ive put them on my OHs form (even though they in my name and OH that going bankrupt ) as on the form they want to know any benefits and it says what partner contributes to household then you have to add them all up to give household income. Just wondered whether I now don't need to put them on there?
thanks
a
x

Generally they don't count benefits of any kind in with any prospective IPA payments.
If you do put them on the form they will just be ignored.

rog2

Chilli wrote:

I have my telephone interview with the OR on Monday morning. I've read all the leaflets, but still not sure what to expect! I haven't had to fill in any forms really, just sign documents for the OR - no questionnaire to fill in - is this normal?

Also still waiting to find out if I have a bank account with Barclays - I get paid soon, and as yet don't have an account to pay into!

Hi Chilli, I think that the reason that I received a form to fill in was that I was declared br by one of my creditors (HMRC) rather than petitioning for my own br. Much of the information requested is similar to that which you would have put on your own form, anyway. One thing, though, I did have a 20 minute 'phone interview' with OR on Monday, when I had to give information regarding bank accounts and asetts, but she told me that I would be required to attend for a full interview.
I would ask OR about basic account with Barclays on Monday. Can you get your wage paid into an account owned by a member of your family in the meantime?

rog2

goonergirl wrote:

Hi
can I ask where you saw the bit about Child benefit and Child taxcredit as Ive put them on my OHs form (even though they in my name and OH that going bankrupt ) as on the form they want to know any benefits and it says what partner contributes to household then you have to add them all up to give household income. Just wondered whether I now don't need to put them on there?
thanks
a
x

There are two questions relating to benefits on the IPO (Income Payments Order) Questionaire in Part 3 - 'amounts of monthly family income' and these are counted in the Total Income figure, which you will need to declare to OR.