Many thanks everyone. I certainly won't give this up without a fight!!! I'll submit my valuation (if and when I get it in writing) and see what they say. If they still claim that I have substantial equity then all I can say is Wales must be the only place in the country where house prices go up duri...

Thanks everyone, all still as loverly as ever!! Hi Kallis, how are you doing?? And who would have thought Melanie that just putting a fence around my front garden would increase it's value by £20K!!! It's just so hard to get an estate agent to put a valuation down on paper, especially when you menti...

Property just in my name Julie. I just hope that the OR will accept the valuation I have, if not then I'll just have to hand the keys back! I'm just about managing to keep my head about water as it is - let alone have to try and come up with several thousand pound. If I do have to give the house ove...

I've had an agent around today and she said it should be put on the market for around £105K, so still little or no equity in it. A bit different from the OR's drive-by valuation of £120k isn't it!!

Sam
xxx

Hi Julie, I did ask the OR about the BI at the start of my bankruptcy, as I wanted it all done and dusted, but he said that when all the paperwork had been sorted it would then be passed to the relevant department (obviously had a lot of paperwork as it's taken about 30 months!!)

Sam
xxx

Hi Skippy, how are you?? Only 5 to go - doesn't time fly when you're having fun!!! Hope all with well with you hun. xxx

Hi all, it's been a long time since I posted as not a lot has happened - that is until last week!! First a quicky recap of circumstances... I went BR in August 2007 (wasn't half as bad as I thought) and discharged August 2008. I have a house with a mortgage of £81K and a secured loan of around £24K,...

Hi All,

Just hijacked this thread to say hello really!!! Haven't posted for ages - so much has happened (but that's too long a story!). Just wondered how you're doing Skippy, ScaredKez Lily et al??

[:)]

Hi, Melanie i've sent October and Novembers payslips to the OR and he left a message for me and has calculated and IPA of £50 per month. Fine, except I do not even have a surplus of £50!!!! My I&E back in August, as calculated and agreed by the OR came to £1641. Since then my mortgage has increased ...

Hi Melanie, i submitted October and November's payslips to the OR and he's come back with an IPA of £50 per month! Don't know how he's come up with that amount because I earn £1747 per month and my outgoings are about £1714. Any suggestions on what I should do now? I know it's not a lot of money but...

Many thanks Catullus.

Thanks Andy, when you say most banks - does this mean as long as they weren't past creditors???

Hi Catullus, thanks for the swift reply. But I thought that the OR now "owned" my house and therefore I should be dealing with him?? If I did hand the house back to the mortgage company - would I still have to pay the mortgage or could I just send them the keys back and move out (obviously having to...

Hi Worry, are you subject to an IPA?

And I've been classed as an "IVA Artisan" but:-

a) I'm BR not in an IVA and
b) don't know what an Artisan is!!! Is it curable???!!!

Hi Caraf, I had a couple of those "postcards" from my creditors too - but no-one ever turned up!! Try not to let it get you down - you are trying to sort it out - so stay positive and have a lovely Christmas with your daughters.