January's 2013 BR Club

whichwhydoIturn

Well the insolvency people sent papers today I'm going to call payplan Tomo as I'm off then and see maybe if they know how to get help through unison for help with fees.
I'm sure that once my forms are filled out , I ll manage sleeping better and also that ill stop feeling so tearful.
Thank you all for your support , I know tat I will be asking you lots of questions .

cb3781

Hi all, newbie here, I have my telephone interview on Wednesday, really nervous, can anyone help me with some questions?

1. What kind of questions will i be asked at interview
2. Re income/expenditure - is there any guidelines online as to what the A.I.B allow as acceptable expenditure, or average statistics or something.

Thanks in advance for any help/advice

solventsoon

whichwhydoIturn wrote: »

Well the insolvency people sent papers today I'm going to call payplan Tomo as I'm off then and see maybe if they know how to get help through unison for help with fees.
I'm sure that once my forms are filled out , I ll manage sleeping better and also that ill stop feeling so tearful.
Thank you all for your support , I know tat I will be asking you lots of questions .

Hi whichwhydoIturn:wave:
Good luck with Payplan tomorrow, I hope you manage to get things sorted.
I'm sure things will start to improve for you once you've got everything done, it'll be a new start for you.
Please just ask away, there are lots of helpful and friendly people here.
Good luck
spoon x

cb3781 wrote: »

Hi all, newbie here, I have my telephone interview on Wednesday, really nervous, can anyone help me with some questions?

1. What kind of questions will i be asked at interview
2. Re income/expenditure - is there any guidelines online as to what the A.I.B allow as acceptable expenditure, or average statistics or something.

Thanks in advance for any help/advice

Hi cb3781 :wave: and welcome
It would probably be best for you to post your questions on the main forum you should get lots of advice and help then. Have a look at the stickies at the top of the page as well there is lots of information in them which may answer some of your questions.

Good luck, everyone here has been through the same process as you so they'll give you lots of support and as much help as you need.
Take care
spoon x

solventsoon

Bump......:)

IF

cb3781 wrote: »

Hi all, newbie here, I have my telephone interview on Wednesday, really nervous, can anyone help me with some questions?

1. What kind of questions will i be asked at interview
2. Re income/expenditure - is there any guidelines online as to what the A.I.B allow as acceptable expenditure, or average statistics or something.

Thanks in advance for any help/advice

Hi cb3781, would you like me to add your name to the BR Club?

Click on blue link below:-

hattybee wrote: »

For anyone based in Scotland, the Accountant in Bankruptcy has recently published a paper entitled “Surplus Income Calculation for Income Payment Agreements (IPA)”
It gives CCCS budget guidelines and CFS trigger figures and may be helpful for anyone filling in their income and expenditure forms
It’s available on the AiB website at http://www.aib.gov.uk/publications/surplus-income-calculation-income-payment-agreements-ipa

This will help a post by hattybee, however these are guidelines for the OR of what is acceptable on our SOA's and not really for us. Please don’t put exactly the same figures as the OR will smell and rat and go through your SOA, with a fine tooth comb. If your expenses are higher than the figures below and as long as you have all receipts these may then be accepted.

Best wishes
IF...x

IF

Bump...............:starmod:

IF

Bump...........:staradmin

cb3781

Thanks will have a look at link - yes please add me

IF

cb3781 wrote: »

Thanks will have a look at link - yes please add me

Added you to the front page cb3781 :beer:

IF...x

IF

:staradmin Hi Everyone and Welcome to the January's 2013 Bankruptcy Club :staradmin

This club is for everyone who has gone or going through the process of Bankruptcy during January 2013. So please feel free to join and post.

Pop your name on here, the date that you went/are going Bankrupt. Then just keep everyone in the club updated throughout the next year about your BR journey. That way you can all stick together, compare notes and be there to support each other throughout the different stages of your Bankruptcies.

Remember this is your board so keep posting :hello:

Obviously anyone can come on here and post anything that will help and you are all welcome. Any important questions that need answering please still post them on the main board, as you will receive more advice and help.

~ Please do not include too much information as the IS (Insolvency Service) are known to frequent this forum and they may identify individual cases, so username and date only, thank you ~

Best wishes
IF...x