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OR interview looming...advice needed re car please
In my initial conversation with the OR's office immediately after I went BR she told me I would lose my car. In the meantime they would get a valuation etc. I have also got my own written valuation now from a local garage of £1000, which is also what I put on my SoA. What happens if my valuation differs from the OR's? I am…
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iva failed
we have been paying an iva for 2 years, but all benefits were included, now children are getting older and benefits dropped we couldn't keep up payments so asked if we could lower them. a meeting was held and apparently the iva has now failed,does anyone know what will happen next as we havent been told anything it has…
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Urgent Advice Please Re Creditor.
Please can anyone offer any advice please,i have been BR for nearly 2 months and today i got a letter from egg bank regarding my loan saying that as there is a clause in my loan agreament that states that the loan shall be fully payable if i am declared bankrupt that on or after the 13th of september we intend to take the…
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Conflicting advice Please help
I am a carer for my mother and receive income support and carers allowance. I live with my mother and she receives pension benefit and attendance allowance and therefore she pays no rent. Three years ago I took out a five year loan to buy a car and put it on the road as a taxi which i did for a year and a half once I left…
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Another I/E question?
I was wondering as I haven't put down some of my personal debts eg (Owing family members personally). I have put all of my income into the I/E but would they allow me to have these as debts as its only OH going BR? I'm a Stay at home Mum and therefore have minimum income. I do however have a maintenance payment from my ex…
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D day
hi guys we have booked in to court and to our disbelife its tomorrow. my heart skipped a beat when they said "there is a judge availible tomorrow,be hear for 9.30) i have just read lizzys thread and prey to god ours is as easy.id just like to thank all you guys for answering all my questions and fears and thank the lord i…
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Insolvent soon. Time to go BR?
I was just going through my income expenditure sheet. If I didn't have all the benefits I do have then there is no way that we would be able to afford all the debt we have. If my husband was to go bankrupt then would the benefits I get (maternity Allowance) get taken into consideration? In Febuary I lose my Maternity…
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Car troubles
My husband is so confused about what will happen regarding our car!!! We filed for bankruptcy in august, had our interviews and he was told to put in writing his arguments to keep our car and alos explain his higher than normal diesel/running costs as he drives over a hundred miles a day to work. In response to this they…
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wescot
What is it with these dca's! This is the second letter received by me,since I went Br in March! All to do with a Natwest cc debt (the smallest debt by a long way in my Br) Is the bank having a laugh selling these debts off to dca's? I'm just going to send the letter to the OR and let them deal with it. What a bunch of…
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PAYG Credit Card
I saw someone mention this the other day and as I am an online shopper most of the time this would be something I'd be interested in... anyone tell me where I can find one and how it works?? Thanks! :)
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Tough old weekend
I spent this weekend with about 15 very good friends. I hadn't seen many of them for months, so it was nice to get away. However, I found it pretty tough in some ways. Firstly, for various reasons I left it to late to get a reasonable train fare, so had to go by coach. I get travel sick, and going up wasn't too bad as I…
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Someone up there likes me
Hi Guys, As you know its now nearly two weeks since we we're declared bankrupt and became totally debt free :beer:.......Its bloody lovely, I have never felt or slept as well for years. We already banked with the nationwide before bankruptcy so if they froze my account I would have only had the co-op, barclays, and the…
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Court tomorrow - What do I take along? Urgent help required
Hi There, I`ve got my court date tomorrow and I`m not sure what I need to take along with me. My bank are bankrupting me because I can`t repay the business overdraft that they closed on me (rather than me bankrupting myself) so I was wondering if anyone knows 1. what this court appearance will involve, 2. what I need to…
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I Did It!
Well I was declared BR on monday at 10am:o I didnt even have to see a judge! :j I have my OR interview on the phone with them this coming monday and to be honest I'm more worried about that than I was about going to the court. I have been on a payment plan for over 18 months and most of my debts are old so I'm going to…
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How much do those credit repair companies charge?
I know you can do exactly the same that they do for free, but I dont really want to spend my time writing letters, chasing banks up, writing to information commissioners etc, just to get my credit record correct. Of course it depends how much it is, but does anyone know how much credit repair companies charge to do all the…
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NT tax code
I have been reading soooo much it hurts...... I am going to the CAB on Tuesday and have been reading up on things and found this that I don't understand "When a bankruptcy order is made against an individual who is subject to PAYE, HM Revenue and Customs (HMRC) applies a “nil tax” code to that person for the remainder of…
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Creditors
Not sure if I am in the right place but can anyone tell me if 49p in the £ is a reasonable offer in an IVA? Is a creditor likely to accept this? Any help would be greatly received, thanks xx
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Ringing the court
Right, I am going to ring the court on Tuesday to make an appointment for BR. Sounds stupid but what do I say or ask for? Thanks Stubie
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statements
:confused: hi guys ,we have filled in all the br forms and are good to go! can you please tell me what i need to take to the court to petition, ie do i take bank statement cc statements life policy etc or do i do that later? thanks, chris. sorry another thing, you all advise clearing out the bank acc before petition, wont…
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Forms nearly finished, only SOA left, eek!
Ok, so we have nearly finished filling in our forms now, just have to do the I/E so , here they are would someone be kind enough to just go through it and give any advice please? :confused: Monthly Income My OH av wage: 923.00 Mine 133.00 Child benefit 72.40 Working &Child tax 300.73 TOTAL 1429.13 Expenditure Rent 241.45…