No I don't yet Melanie, to be honest we have never been told anything about the house sale, we only knew it had been sold because we live nearby. I am asuming everything has been paid otherwise they wouldn't have wrote and told me this? Never mind, as I say this should be the final end to it all. We...

Hiya Melanie, I will have to read the letter through again when hubby gets home - he's a postman and read it over the phone this morning. Not sure how much surplus - is this classed as a dividend payment when money is left over after the sale of the property? the property was sold a good six months ...

Thank you Marie and Michael, hopefully this will be the final end to it all, I should frame it really!
Rachel

Hello everyone, It's such a long time since I have been in touch and since then both myself and my husband have been discharged from our bankruptcy and are starting our new lives again. I have had a letter today though to say that my name will be in the local paper as there is money left over from t...

Good luck to you both, my Husband and I have been through the same thing last year, we were treated really well and with respect and weren't made to feel uncomfortable - even though I felt so ill!

Take care

Rachel

Thankyou Emma, This forum really has been a great support to both myself and my husband and we really couldn't have managed without your help and advice. I know I am making the right decision now, it's just so scary as I've never done anything like this before - then again I have never been through ...

Thanks Andy I appreciate your comments alot.
Rachel

Thanks Skippy, I have sent an email to the OR office explaining my situation and just asking what will happen, I'm such a worrier and it's so obvious we never meant for all this to happen but my problem is I do seem to worry about everything - especially when it's official! Like you say my health an...

Thanks Mish, It's strange isn't it - you think you have turned a corner but I've felt like that at every stage! This forum makes you realise you are not alone and not the only one going through this. This time last year I was at the depths of despair but when I think about what we have been through ...

Hello everyone, It's a couple of weeks since been in site, had alot happened lately. We couldn't cope with the stress of not knowing if the mortgage would be paid in full when house sold (house not sold yet-repossessed Aug)so we stopped Husbands IVA and he has been declared BR, such a relief and cer...

will do Kerri,

Thanks for the advice.

Rachel

I know! just my luck eh, but the thing is I know they are overpaying us this year, I have written to tell them, so guess what in April I am sure they will suddenly want this years money back and then we receive no payments again!

very frustrating!!
Rachel

that must have been so frustrating for you, one minute theres no equity, then there is, and this is your life they are dealing with. I know people make mistakes but its very unfair when you have asked them to check time and time again. We have had no advice at all from the NR just reminders our paym...

Kerri, What a nightmare isn't it. It's such a roller coaster, just when you think you are sorted these things happen, but you are one of the many people who have helped to get people like me through all this, we were gonna keep our house and decided in the end we just couldn't afford it. Turns out i...

hello there, I thought I would let you know we are the opposite to the above, the tax credits owed us £800 from last year and because this was before I went BR and the OR took the whole lot out of my account last week, It's been there since July and I understand why they wanted it but it's very frus...