How's everybody doing?

gettingitsorted

Iv just had my new tax code through this morning and was expecting it to be a nil one but iv been put on my normal one.

allofadither

gettingitsorted wrote: »

Iv just had my new tax code through this morning and was expecting it to be a nil one but iv been put on my normal one.

So the OR doesn't want your money then? :rotfl:

gettingitsorted

allofadither wrote: »

So the OR doesn't want your money then? :rotfl:

Seems not :rotfl:

jobby_2

Current situation

Nov 06 - OH and I BR,
Jan 07 - OH off sick (teacher, stress, issues at work) end Jan, notice to quit rented house (private rent - not due to BR, major damp restructural work needed)

Feb - heard about a couple of properties but nothing really suitable or big enough for 2 adults 4 kids and sloppy labrador, goldfish and stick insects

March - IPA forms through, me all ok, OH (didn't listen to very sensible wife and BCSC advice now on £100 repayments for next three years) OH off sick (teacher, stress, still issues at work, dodgy very grumpy wife),

April, car died - head gasket radiator the works...... April, replaced car £350 full service, MOT, 2 months tax, J reg for Jobby! Still nowhere to live homelessness proceedings started with council

May - today!!!!!!!!
had interview and confirmation that we can have farmhouse in middle of woods, farm estate longterm property - huge amont of work to make liveable - but its OURS!!!! (OH still off with stress and other work issues but WILL be able to cope cos his wife says so!)

Various other @~*p going on that have affected us all but at least we have somewhere to go and live and they are taking us with BR as long as our guarantor agrees to cover us.

At last our luck may be changing

Richard_S

jobby wrote: »

Current situation

Nov 06 - OH and I BR,
Jan 07 - OH off sick (teacher, stress, issues at work) end Jan, notice to quit rented house (private rent - not due to BR, major damp restructural work needed)

Feb - heard about a couple of properties but nothing really suitable or big enough for 2 adults 4 kids and sloppy labrador, goldfish and stick insects

March - IPA forms through, me all ok, OH (didn't listen to very sensible wife and BCSC advice now on £100 repayments for next three years) OH off sick (teacher, stress, still issues at work, dodgy very grumpy wife),

April, car died - head gasket radiator the works...... April, replaced car £350 full service, MOT, 2 months tax, J reg for Jobby! Still nowhere to live homelessness proceedings started with council

May - today!!!!!!!!
had interview and confirmation that we can have farmhouse in middle of woods, farm estate longterm property - huge amont of work to make liveable - but its OURS!!!! (OH still off with stress and other work issues but WILL be able to cope cos his wife says so!)

Various other @~*p going on that have affected us all but at least we have somewhere to go and live and they are taking us with BR as long as our guarantor agrees to cover us.

At last our luck may be changing

jobby,

That has been so much like our experience, we almost ended up in a large farmhouse miles from anywhere with a really low rent but other factors prevailed.

We've had to move house twice in the last six months and we're almost comatose with fatigue. Been fortunate to miss the time off work with stress but that's probably due to our outrageous consumption of alcohol.

Hope it's the start of things turning around for you.

Richard

jobby_2

Richard_S wrote: »

jobby,

That has been so much like our experience, we almost ended up in a large farmhouse miles from anywhere with a really low rent but other factors prevailed.

We've had to move house twice in the last six months and we're almost comatose with fatigue. Been fortunate to miss the time off work with stress but that's probably due to our outrageous consumption of alcohol.

Hope it's the start of things turning around for you.

Richard

Own outrageous consumption of alcohol has definitely helped situation not be on national news on husband beating offences!!!

No sorry seriously many thanks for support could not have got so far without this place

Jonto_3

gettingitsorted wrote: »

Seems not :rotfl:

You only stay on an NT tax code until the end of the financial year that you were made bankrupt in.

Since that was April many people will have changed over last month.

fermi

gettingitsorted wrote: »

Iv just had my new tax code through this morning and was expecting it to be a nil one but iv been put on my normal one.

GIS. The NT tax code is only applied during the tax year that you go BR.

It reverts to a normal one when:

1) The Tax Year Ends, and new coding notices are issued by HMRC. (this is what appears to have happened in your case, and means you will never get one).
2) Your 'source of income' changes. Usually this means a change of employer, but practically it means a change of whoever administers your PAYE.

Whatever happens, if you went BR last Tax year, you will not now get a NT code.

AlanD_3

Good idea this!

Stalled on the To Do list but it is still there and it is still nagging me.

We've got the Prepay credit card application approved but we've decided not to action it just yet as we've seen a couple of different options. We may go for the option where you pay a small proportion of transations rather than a monthly fee.

Spoken to CCCS, MyVesta and CAB.

SOA is more or less sorted with some wiggle room on there (some things are too high but no allowance for holidays on there and so on).

Have applied for and been accepted for a Coop basic account and they know that it is for BR. Awaiting details from them... still...

Have looked at form and will start to fill it in next week.

Have sorted that housing and job will be ok with BR.

No new debts.

Feel very happy about going BR and we're chomping at the bit to get there.

Big cash set backs due to health reasons...

...teacher, been on part time since November (stress, depression, ME, anxiety). Been scaling that back gradually recently and now full time. Feeling like sh*t all the time, tired aching, depressed, fed up. I want to quit teaching but have no clue what to do, need the money, need the holidays, couldn't handle a normal 9 to 5, thinking about looking at editorial staff jobs within the comicbook industry (prefer a writing job but they're so few and far between and hard to break into a shrinking industry) but they're tough to get and no idea about working conditions etc.

...Dawn, pregnant with our 3rd child has just come out of hospital. SPD is very bad (ligament problems that literally means her hip joints pop out), she has complications that mean she'll have to give birth at the main hospital and receive treatment during the birth, she has just been diagnosed as diabetic (hopefully just a pregancy form of it) and may be put onto insulin tomorrow (wonderful for someone who is so needle phobic that she once kicked a burly nurse clean across a room injurying her so badly that she needed an X-ray just because she snuck up to try and give an extra injection without telling her).

Money has run a bit dry due to the hospital stay and all that entailed.

Freezer broke down and we lost all the frozen food (we decided to dump the meat I had rescued and cooked as I just plain didn't trust it in the end). We'll claim on household insurance if possible and add the food cheque into the pot for BR filing fee.

Having to concentrate on health at the moment as teaching has fallen to pieces and having to do much more than I have in ages. On top of this we have to adapt to Dawn's new problems and diet.

Fed up. Sick to the back teeth of being in debt.

We (should have already) will be applying for as much of our bank charges back as possible and add this to the BR fee pot.

Contacted Teachers' support and I'm awaiting a call back.

Got to transfer DDs to new account

Worried that what should have taken just a few weeks will take months to sort out.

Going to 0.66 timetable next year.

Tired, fed up and desperate to stop all the phone calls and mail.

I'm sure I've missed something. I know that I need to rejig my to do list.

Um... I think thats it...

fermi

AlanD wrote: »

she has just been diagnosed as diabetic (hopefully just a pregancy form of it) and may be put onto insulin tomorrow (wonderful for someone who is so needle phobic that she once kicked a burly nurse clean across a room injurying her so badly that she needed an X-ray just because she snuck up to try and give an extra injection without telling her).

:rotfl: I don't understand this as they can stick needles in me all day, and I won't be bothered.

Seriously, with all that, well done for getting as far as you have. Once you have gone BR the sudden lifting of a psychological weight is amazing. Things will still not be perfect, but you feel as if you are at a beginning rather than at your wits end, if that makes any sense.