Claire's County Court Carry On

betterlatethannever

Then tell then your going away but that dad is paying for it. Your paying for the holiday and going without else where. What you do with your surplus is your business

philnicandamy

Bear in mind the you only have to inform OR etc of your BR if the ammount is over £500

but nothing wrong in doing what you say...holiday & enjoy yourself!

fermi

There's nothing wrong with borrowing the money anyway. Or going on holiday.

But if you are worried then simply get him to pay for it. He is in effect anyway.

ClaireLR

Looks like I'm going on hol in Feb then yippeeeee!!!

Anyone got any tips for where's hot and cheap LOL!!

philnicandamy

ClaireLR wrote: »

Looks like I'm going on hol in Feb then yippeeeee!!!

Anyone got any tips for where's hot and cheap LOL!!

i've sent you a PM

ClaireLR

November 27 2007

I picked up my pay packet yesterday and I've had a payrise

I've sent an email to the OR telling them about this, I've stated my new salary per annum rather than what I picked up this month.
I'm a bit worried though because I had a payrise not long after my bankruptcy, it was a bit complicated but I was due to have it on the 26 July, went BR on 06 July, then when I picked up my money on 26 July it had 4 days of extra pay in (for 26,27 30, and 31 July), but it wasn't until the end of August that I had my full months payrise (hope that makes sense). Anyway I wrote an email to the OR telling them what had happened and also mentioned it at my interview, but they took my tax to be at my old rate (i.e before july's payrise) sooooo technically what I would pay in tax would be more than I am paying on my IPA, and now I've had my payrise it definitely should be more. I've asked the OR to look into this and find out how much I should be paying. I'm worried that come the end of my IPA or bankruptcy, whichever is sooner, that they will realise that I haven't been handing over all my tax and send me a bill.

Any thoughts? Like I said I've contacted the OR but past experience leads me to believe that they won't come back to me, they haven't when I've mentioned it in the past, partly my fault though because I don't chase these things up

backontheup

ClaireLR wrote: »

Anyone got any tips for where's hot and cheap LOL!!

A Chip Shop?

ClaireLR

05.12.2007

Evil boss has changed my hours (at my request) so now on Wednesdays I am free!

The reason I've changed my hours is because I find this time of the year to much to cope with, reason being is that 6 years ago in January my beautiful Mom died from cancer after 4 years of being ill. For the past 2 years I've been off sick from work in Jan/Feb/Mar time due to anxiety and depression. This year I decided to try and do something about it, so I'm doing my 37.5 hours over 4 days giving me a break and some time to rest midweek. I hope it helps me because I think my boss is running out of patience (she really isn't the nicest of people). It's weird really because I think Mom dying was what started me on my spiral of debt; she'd always kept me on the straight and narrow you see, and after she died I went well and truly off the rails in many ways. Now I'm sorted though, I have a good job, a nice place to live and my debts are very nearly sorted, and I feel like she would be proud of me now.

I haven't heard back from the OR regarding my salary increase. I'm not going to chase them up, I've kept the email to prove that I sent it. I've got to email them again when I get paid on the 24th as there will be 6 months worth of back pay in the packet. Hope they let me keep it, especially considering the time of year.

I'm going to book my hol on 22nd Dec, I'm so excited!

I had an PM the other day from someone who posts on here occasionally who went bankrupt around the same time and has the same OR office dealing with their bankruptcy. They said that they had received their early discharge questionnaire! I'm keeping my fingers well and truly crossed now that I can get early discharge to. I'm not sure why it's so important to me to be honest, but it is. Keep your fingers crossed for me to please, it'd be the best Christmas pressie ever.

loopy_lou1

Claire you are truly fantastic.
It was lovely to talk to you on MSN and thank you.
My BR is tomorrow. I am cacking myself but everything is ready and it feels better now. I am stressed and I to be honest if creditors contact me after I go BR I certainly won't be polite. I will tell them in no uncertain terms they've caused me enough grief and give them the OR's number. I am going BR to get rid of this headache not to deal with it. This is what BR is for.

Thank you for all your posts. You are an inspiration - I'll let you know how I get on

Merry Christmas darling

Lou x x x

ClaireLR

17 December 2007

1 week and 1 day until Xmas :j

I can't wait, I'm really looking forward to it this year. Not really sure why, I'm skinter than I've ever been this time of year but I don't care for some reason; just looking forward to spending some time with my dad and OH along with his family. We've ordered some special food and booze for Xmas but not to much, need to make sure I have enough for bills and important stuff in January. I haven't even bought OH anything for Xmas, but we have spoke about it and he understands, we've agreed not to buy each other anything and just keep any extra cash towards Feb.

I still haven't heard from the OR. I think I'm going to be brave on Friday when I get my pay packet with back pay and am going to ring them to check if I can keep the money. I think it's going to be about £120, I hope I can keep it, it would be a nice chunk towards my spending money for holiday. Hopefully going to book that on Saturday all being well!

I still haven't had any notification from the OR about early discharge. My earliest date would be 6 January and someone PM'd me the other day to say that they had had their ED questionnaire (same OR office as me) and I just assumed I would hear something Oh well I always said I wouldn't hold my breath. (but it would be nice though........) I still feel like I have the whole BR thing hanging over me and I know that won't go until discharge and until I am "free" so to speak. Every time I get post I get all excited that it might be my questionnaire and it never is!

I read some of my old posts a few days ago and it made me realise how far I've come. It's been 6 months almost since I went BR and the change in me has been major. I'm so much less stressed, not just about money (I'm probably more stressed about money now cos I've never flipping got any!) but just generally in life. It seems like I have a different, more laid back way of thinking now, and I'm sure it's because money and debt used to be at the back (or front) of my mind nearly all the time. Now I don't have to really think about it to much, of course I have to budget the same as everyone else, but it's been 6 months and I've kind of got the hang of that now. My mind feels clearer than it used to, and thats a good feeling. Exactly 6 months ago I was a bag of nerves, I think I almost gave myself a nervous breakdown over it all (not exaggerating on that one either). Looking back now I know I shouldn't have let myself get into that sort of state but fear of the unknown does weird things to you. Everyone tried to tell me not to worry (friends, family and people on here) but it made little or no difference.

For anyone who has been advised to do it, and hasn't yet "got round to it" (I went over and over it for weeks before I actually did it) I would say call your local court, book yourself a date for the new year, fill the forms in this week, then put your feet up, enjoy your Christmas, and look forward to a happy and stress free 2008.

Merry Christmas!

Claire. X X X X X