Sorry didnt know how else to title it. We were made BR in Nov 08, and Discharged in Aug 09. And havent had credit since, and tbh dont really want it BUT.. Our bed has just collapsed, after years of being on its last legs. Ive been turned down for 2 credit cards that are supposed to be for people wit...

Thanks Andy & Michael.

Thanks andy. There is no equity in the property. Does my dad just ring up the court and ask for that form, and fill out, send it back, im assuming there will be a hearing to decide if the judge agrees. Trouble is, my dad is working for an agency because he cant get full time employment, so work is h...

Right - this is gonna be long. Its about my mam & dad - we are a family of debtors! Anyway... They bought a caravan for around 20k, but were paying it monthly, and the place managed the lettings and payments. They hoped the lettings would pay for the caravan. After a year, it turned out the caravan ...

Thank you everyone for ur best wishes, it means a lot. And a huge thanks to this site. Its always been a massive source of support, and information, and im so grateful for it. I dont pop on as much these days, but everyone is still very supportive when i need advice. I wish everyone all the best too...

You are automatically discharged at one year post BR. But if your conduct is good then it is possible for you to be discharged at 6months, but the OR has to contact ur creditors to see if anyone disagrees with it. If they dont then the OR applies to the court for discharge. If they do, i think you h...

Hi all Just been on the fone to RTOU and theyve told me that tomorrow they will discharge us early from our BR, cos no creditors have wrote back contesting it!! So they will write to the courts and get us discharged!! WOOOHOOO! Finally a life again!! Does anyone have any info of what this means for ...

thanks, ill let u know how we get on. Hoping for early discharge in may!!

thanks.

I actually get it for depression and anxiety, and its supposed to be used for activities such as the cinema, meals out, just to get me out of the house occasionally. And the mobility part if to pay for taxis or for someone to come with me.
Im sure the OR will think im having a laugh!

ok thanks, just in a bit of a panic!!

well no not really, i dont have an I&E on my mobility and care, because it is for activities to get me out of the house, and to use public transport with support and this can vary every month, depending on what i wish to do. If its classed as income then theres no point me having it, because i canno...

Hi all Im in my fourth month of BR, and today i received a letter about early discharge. They want another Income and expenditure form filing out. Our income has gone up by £50, but im sure our bills etc has too, so thats not a worry. But now i also get £140 a month disability allowance. I obviously...

thanks, so it will only run til end of march then? Hardly worth them collecting it then.

so if the code isnt changed by end of march, can the OR enforce it for the next tax yr?

Thanks all x

Hi all Me again! Following on from our BR, my husband who is employed has received a form to fill in and send back regarding his wage. I know its standard that u stop paying tax and its usually paid to ur OR, i kinda just wanted to check on here first!! He has got an IPA form to sign, for his tax of...

Thanks, ill let u know how i get on x