Some bankruptcy debt written off, do i still i have to pay it?

bradztheman

PippaGirl wrote: »

I email my OR, best way as it is quick and free and you have evidence it was sent.

Will do that then. My OR was actually changed a week ago, they told me this over the phone, didnt even send me a letter notifying me or anything!! will have to ask my old OR for my new OR's email, i have her tel but can never contact. Seems bad they didnt even let me know.

Why wasnt kerry katona dischaged for years? did she break her agreement or something? everyone is discharged after 12 months unless you break the agreeement i though ..

bradztheman

JCS1 wrote: »

Kerry is still not discharged, there was a suspension of discharge which is normally for not co-operating.

OP - if the debt existed at the time of your BR, then the company can provide a proof of debt to be included (even if they have since written off the debt).

if you do obtain work and get an IPA, then the OR fees get paid first, and only if there is anything left over does it go to creditors.

what are the OR fee's?? i thought that was what my dad paid £700 to go bankrupt for me was for

PippaGirl_2

The OR fees are considerably higher than the 'token' payment of £575 you pay them when you go BR.

JCS1

bradztheman wrote: »

Will do that then. My OR was actually changed a week ago, they told me this over the phone, didnt even send me a letter notifying me or anything!! will have to ask my old OR for my new OR's email, i have her tel but can never contact. Seems bad they didnt even let me know.

Why wasnt kerry katona dischaged for years? did she break her agreement or something? everyone is discharged after 12 months unless you break the agreeement i though ..

Not sure why Kerry Katona had a suspension of discharge against her, the most common is reason is failure to co-operate.

They don't have to tell you when you have a change of examiner as the OR and the office dealing with it remains the same

JCS1

bradztheman wrote: »

what are the OR fee's?? i thought that was what my dad paid £700 to go bankrupt for me was for

The money paid on the day is a deposit, OR fees used to start at £1,715 but that was a few years ago so probably gone up with each new tax year since then.

rossireps

bradztheman wrote: »

I took advice from nationaldebt line who were shocking at giving advice.

how unusual they were fantastic with me on all 3 occassions

bradztheman

rossireps wrote: »

how unusual they were fantastic with me on all 3 occassions

First time i spoke to them the guy i spoke to didnt even mention a DRO!! So didnt know it was available.

Second woman i spoke to didnt explain the "if you work you have to re pay it back over 36 months " shocking

rossireps

bradztheman wrote: »

First time i spoke to them the guy i spoke to didnt even mention a DRO!! So didnt know it was available.

Second woman i spoke to didnt explain the "if you work you have to re pay it back over 36 months " shocking

well they advised br was best as i had nothing anyway -they were right
secound time they re assured me over my bike-they were correct
third time they did the same all the time i was in tears and cant even begin to work out how they even understood what i was saying.

alastairq

Hi.
In defence of CAB, remember they are staffed by volunteers, and not as many of those volunteers are, or can be, debt or insolvency experts as we would all like.

Many have expertise in fields other than those which concern most on here.

Also, someone giving advice on debt issues can only proffer that advice based upon the information they have been given by the client.

If that information is incomplete, inadequate, or even, simply garbled, then they have to apply some sort of interpretive skill.

regarding DRO's?

Maybe, [given the information then available to the adviser?] it was felt the strict DRO criteria were not met?

Maybe, even, debt or insolvency weren't that adviser's field?

In any event, it is generally a simple matter to determine if an individual is 'insolvent'..[in the legal sense] or not.......and a DRO is a bankruptcy procedure as well.

The advice and performance of CAB generally is superb, once the client gets passed on to their debt experts.

They will intervene on a client's behalf...and have the accepted credibility to do so.........and possibly, if this route had been taken up initially, if a DRO was more appropriate, then that route would have been the one taken.

With regards to the 'work' issue? Well, at the time of application, the OP wasn't in work.

Those who are unemployed most often are continually 'seeking work'....?

But, your unanswered question is really a gross over-simplification as a complaint.


Even if an undischarged BR is in employment [receiving an income].....that doesn't automatically mean an IPA/IPO would be sought.

The IPA/IPO would only be sought, if a surplus of income was identified, after all reasonable living expenses had been deducted. [and even then, a small monthly surplus is ignored...at the moment]


At the end of the day, the individual must be solely responsible for discovering the relevant information....CAB or anybody else are only there to help and advise.

The problem with proffering advise, though, is that the recipient often only hears what they want to hear....and with the best will in the world, much is open to individual interpretation.

Perhaps, at some point, you were informed of the IPA system? But, maybe it wasn't necessarily associated with 'employment?

bradztheman

alastairq wrote: »

Hi.
In defence of CAB, remember they are staffed by volunteers, and not as many of those volunteers are, or can be, debt or insolvency experts as we would all like.

Many have expertise in fields other than those which concern most on here.

Also, someone giving advice on debt issues can only proffer that advice based upon the information they have been given by the client.

If that information is incomplete, inadequate, or even, simply garbled, then they have to apply some sort of interpretive skill.

regarding DRO's?

Maybe, [given the information then available to the adviser?] it was felt the strict DRO criteria were not met?

Maybe, even, debt or insolvency weren't that adviser's field?

In any event, it is generally a simple matter to determine if an individual is 'insolvent'..[in the legal sense] or not.......and a DRO is a bankruptcy procedure as well.

The advice and performance of CAB generally is superb, once the client gets passed on to their debt experts.

They will intervene on a client's behalf...and have the accepted credibility to do so.........and possibly, if this route had been taken up initially, if a DRO was more appropriate, then that route would have been the one taken.

With regards to the 'work' issue? Well, at the time of application, the OP wasn't in work.

Those who are unemployed most often are continually 'seeking work'....?

But, your unanswered question is really a gross over-simplification as a complaint.


Even if an undischarged BR is in employment [receiving an income].....that doesn't automatically mean an IPA/IPO would be sought.

The IPA/IPO would only be sought, if a surplus of income was identified, after all reasonable living expenses had been deducted. [and even then, a small monthly surplus is ignored...at the moment]


At the end of the day, the individual must be solely responsible for discovering the relevant information....CAB or anybody else are only there to help and advise.

The problem with proffering advise, though, is that the recipient often only hears what they want to hear....and with the best will in the world, much is open to individual interpretation.

Perhaps, at some point, you were informed of the IPA system? But, maybe it wasn't necessarily associated with 'employment?

Can you explain this in more simple terms, sorry, don't quite understand. thanks