Complusive Gambler

bankruptcy123

hey there loveys thanks for all the info OR finally rang me at 1730 and just wanted to know when I could make the interview I gave a date for a week and a bit away. He seemed very to the point didnt ask me any questions apart from what day suited me is that normal? He didnt give me any details of contacting him if I needed assistance. Lastly its on a road called Orchard Street London SW1P anyone been there?

debtinfo

Like all organisations staff vary, some will be warm and friendly, some will be short and to the point. None though will be judgemental or nasty. Dont be afarid at any time though to slow them down if you think they are rushing ahead, if you need something explained to you dont be afraid to ask

bankruptcy123

hey there guys my big day is on tuesday got my interview with the OR in London. Dead nervous my phone call was very short and jus regarding available dates so I guess all the ammunition will be thrown at me on tuesday! Any wise words of advice for the interview in which I have to go over all my debts and downward spiral? What will happen after the interview? Feeling nervous but Im happy my ex has finally gone for good out of my life . So I can try and rebuild my life without a useless layabout man lol

debtinfo

Just try and answer as honestly as youcan, dont guess at anything, if you dont know say so, but try and answer as best you can, For instance they may say when did you takethat debt out, now you may not know exactly but you might be able to say, it was definitly after i moved to that address or before i bought that car etc etc, it just helps the examiner put everything in order

bankruptcy123

hey there loveys! I had my interview finally and soo many questions that I didnt have an answer to like a time frame of my downfall into debt. I got my second interview coming up a question for you guys out there I have recieved a letter from the tax department saying that they have changed my tax code to a code that doesnt get taxed because they the tax department may be a creditor so at the moment im not going to get taxed until april 2013 whats that about guys any ideas?

PippaGirl_2

Applying a 'Nil tax' code

If you pay tax under PAYE, HM Revenue and Customs (HMRC) will usually apply a 'nil tax' code to you for the rest of the tax year in which you were declared bankrupt. This means that soon after your bankruptcy, your employer will be told NOT to take any more income tax from your wages for the rest of the tax year. HMRC applies nil tax codes for various reasons, and the new tax code will not tell your employer you are bankrupt. The nil tax code does not mean no tax is due. It just enables HMRC to claim the whole of your unpaid tax for the year of your bankruptcy.

There will be extra money in your pay because of the nil tax code. This money will form the basis of an IPA or IPO, even if you have no other real disposable income. A nil tax (or NT) IPA or IPO may be the only amount you have to pay, and the agreement or order will stop when your tax code changes. If you have other real disposable income, the IPA or IPO will reduce when your tax code changes.