So what happens now. 2 questions

GOODLIFE_NOW

i asked what happens when ive become a BR and between now and the discharge.

ive not been dishonest - but christ on some of the replies should have been. im not xx stupid. And im law abiding .

we are BR the lowest of life.

i came on for advise not a sermon and most advise was silly to say the least or the one following the other .

you should watch x factor, give you time to catch your sentance.
dc
95% of the site on martin lewis is good the BR part is full of over zealous people trying to out do each other .

Goodnight

ps when i give advise it will be relative and not based on imagination.

GOODLIFE_NOW

tigerfeet2006 wrote: »

And as Andy has pointed out Her Maj's Tax Bods and the IS do talk to each other and they will say if you start earning again. You signed a legal undertaking to inform the OR of any changes with in 21 days and are bound by that.

As for the secured loan, if you get a job and have the money to pay it then as has been pointed out you will most likely get an IPA for 36 months and that money will go to the OR.

Tigerfeet - So wong again the OR has advised my secure debt is a priority debt and will be part of essential exp /inc ome , for my IPA if i get one .

i did get advise before BR and did not rely on media forums such as this one , i am obviosuly so squeaky or clever ive not had any questions pre discharge,. lol

andyf1980

GOODLIFE_NOW wrote: »

HOW? Your nino contributions dont register for at least two years and tax is approx 3 years.

That's clearly not right or how would HMRC calculate your tax code and produce a coding notice on an annual basis?

I actually agreed with your post and have had a similar experience of the OR but unlike you I have found this forum a great help and support over the last year.

Ineedaname

GOODLIFE_NOW wrote: »

HOW? Your nino contributions dont register for at least two years and tax is approx 3 years.

It could be as simple as computer systems having markers that flag a record up if a particular change happens. That flag produces an action, i.e. HMRC tell the OR you have started working again.

I don't know where you get the idea that contributions don't 'register' (with who?) for several years. The tax office would receive a portion of your P45/P46 and know very quickly when you start working again. Shortly after the end of the tax year they also know exactly how much tax and NI has been deducted from you for the previous tax year.

Just because you don't like the advice you have been given, please don't cast aspersions on experienced and valued members of this board.

Tigerfeet did also say "most likely" and not "definitely" as we appreciate on here that some things are OR dependant.

GOODLIFE_NOW

andyf1980 wrote: »

That's clearly not right or how would HMRC calculate your tax code and produce a coding notice on an annual basis?

I actually agreed with your post and have had a similar experience of the OR but unlike you I have found this forum a great help and support over the last year.

Because they expect you to correct them if you think its wrong..(HMRC )
my infor on nino and tax is more on correct , nothing in the last 12 months is provided for at least another year.
But a good org would not pay you without evidence of you linked to your bank account to prevent money laundering .

i am not having a go , but my goodness all the copy and paste out of the OR manual is sort of silly, i asked a straight forward question and was judged as being a liar/thief.

Ineedaname

You have not been judged, a point made in your OP was commented upon to clarify your thoughts, that's all. Don't be so paranoid.

GOODLIFE_NOW

Ineedaname wrote: »

It could be as simple as computer systems having markers that flag a record up if a particular change happens. That flag produces an action, i.e. HMRC tell the OR you have started working again.

I don't know where you get the idea that contributions don't 'register' (with who?) for several years. The tax office would receive a portion of your P45/P46 and know very quickly when you start working again. Shortly after the end of the tax year they also know exactly how much tax and NI has been deducted from you for the previous tax year.

Just because you don't like the advice you have been given, please don't cast aspersions on experienced and valued members of this board.

Tigerfeet did also say "most likely" and not "definitely" as we appreciate on here that some things are OR dependant.

i accept advice if it is legal but not on assumption . As i suspect yours is .

maybe you would like to evidence your advise - esp into nino and hmrc contributions .

as well as showing secure debts are non priority exp for an IpA.

i would hate for you to give incorrect advise on such a important area such as bankruptcy esp to the working .

GOODLIFE_NOW

Ineedaname wrote: »

You have not been judged, a point made in your OP was commented upon to clarify your thoughts, that's all. Don't be so paranoid.

Never tell a BR they are parnoid, one that has done all they can to repay monies and then fails becomes highly sensitive because of their debt history , the only ones that dont are them often on dmps or without a concience, because they have never expierenced ttue hassle .

oh yep you have judged.

silvercar

GOODLIFE_NOW wrote: »

Good site this, it is worth potential BR keeps a eye on these boards as they do offer a lot of infor.

Anyway:

1. I went BR in March , purposely did it then as had just gone on to benefits. OR said they would recommend ED but it hasnt been granted. Case passed over to RTLU in stoke because i have a mortage but neg equity, i rang them in August they said , case filled till March when automatic discharge comes through and they will keep a eye on property for approx 3 years, they did offer me the opportunity to reinvest - chose not to due to a lot of negative equity.
I do think if i had they may have done the ED then.
They said I had nothing to be concerned about .

They also said they are not following through the recommended ED's due to having a huge backlog.

So far my BR has been a breeze, following the interview (telephone) with the OR, ive not heard a dickybird. So should i expect to show them something near to the date of AD ie bank statements to show my income/expediture etc, it seems very loose if im honest, i could have been working and they have made no attempt to check.
Def not what i had expected- i would have thought more ongoing checks , it appears they take a lot based on the BR being honest .

2. Mortage costs are met currently with the DWP, so mortage is up to date, however do have a secured loan, which ive not been paying, i have been waiting for a application for a court order, simply because i will get a better deal in the CC than with the lender who are endeavour, case was passed to restones but when i went BR he passed it back to Endeavour, has anyone been pursued for repossession for non payment of a secure loan when huge negative equity, my thought process would be my first charge would object and if possession was ever given , the secure company would not receive a bean and the first charge would be placed into a unfavourable position as well, and when the asset had gone , those debts would be coupled in with my former BR.

Opinions greatly received.

The bold bits highlight where it could be seen that you wondered if it was possible to pass under the radar. Not that you are being dishonest, but wondering how easy it could be and what the risks were.

kepar

Op did you not read my post, the SL can do nothing. You cannot pay them as you are in high NE.