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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by jayrob[/i] [br]Hi Guys Need a bit of information please, we are still haveing loads of correspondance from the examiner dealing with rob's br and today I had a letter saying that because rob did balance transfers from my cards to his under section 339 and 341 the constitute gifts and I have to pay it back and how do I intend to do it. I just want to explain to you all tha over the course of the last few years we like a lot of people transferred money from one card to another so we got the lower interest rate. These transfers were sometimes mine to his or vice versa. I am therefore paying off my credit cards some of which the balances of the past few years would have been transferred frim Rob. I am also going to have to pay back the joint overdraft. I have written a letter to them expaining this and also telling them that I am on family tax credit and child benefit and that is all the income I have. I also mentioned again to them the fact that we had no intention until march of this year that Rob would go bankrupt and that he wanted to do IVA but couldn't. Does anyone know what will happen about this money and if I will be taken to court of anything. I am a little worried but have spoken to the examiners manager who told me to put it in writing. Also rob has had a £300 rebate from tax what should we do with the cheque Hope you are all well jayne [/quote]   Check here to include your profile signature.