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| T O P I C R E V I E W |
| mrw99 |
Posted - 23 June 2011 : 18:18:04
Hi,
I have some question concerning going BR, which I'm hoping someone can help with.
1. I pay child maintenance, but as a private agreement, using the CSA calculator as a means to work out how much that should be. Some of what I've read says that only a CSA assessment or a court order would be taken into account. Is that true? It would be a shame to avoid using the CSA, which even they say is best for an amicable relationship between split couples with children.
2. I'm bring contacted by creditors on a regular basis, just about every 2 hours every day. I've sent the calls to silent, as they are calling me at work, on my work mobile. I do not want to answer these calls at work, and would prefer they stopped calling my work mobile. There is a possibility that call recording could begin soon on company mobiles, and I don't want recordings of me talking about my financial situation being archived on my employers servers. Can I ask that they remove the number from their records?
3. How the hell are you supposed to save the money to go bankrupt when you don't have enough money coming in to cover the basics, let alone allowances for children's activities, clothing, sundries etc.
Any advice will be appreciated.
Thanks |
| 3 L A T E S T R E P L I E S (Newest First) |
| mrw99 |
Posted - 24 June 2011 : 12:12:57
Unfortunately all of my creditors disabled access to internet banking.
I've stopped paying anything in September 2009 when my marriage failed, and went in to a DMP in October 2009. I switched to an IVA in May 2010. However, my circumstances changed after meeting a new partner, and I could no longer contribute to my IVA by December 2010. In March 2011 my IVA was failed, and now I'm being chased for money. Not surprising really, but we are in a tricky situation now. We don't have enough income to cover the basics, let alone save for BR or even pay anything to our creditors. We rent, and have no significant assets, bar our cars (which are getting on a bit now and needed for work/children etc neither has value about £1500). I have a 2 year old PS3 + some old games, and we have a 42" LCD family TV that's getting on a bit now (about 4 years old). That's it. That's just about all we have beyond the essentials like a washing machine, tumble dryer etc. On top of all this, our gas cooker is playing up and may need replacing soon.
One thing that concerns me about BR is that we will be limited on gas/electric spending. We are careful. We don't have it on constant. However last winter our gas bill was nearly £800 for a 1/4. The house is drafty, and heating bills are crippling. We are stuck though, as we cannot afford to move to a better insulated house. The landlord isn't interested, saying in effect 'what do you expect for the money?'
If my partner was actually receiving child maintenance from her ex, that would improve our situation... but that's a whole other story. The CSA are being called, and hopefully we'll get something out of him. That's if he doesn't spitefully ditch his job to avoid paying anything. He has done this before.
We both want to have completed our BR before we get married. We were both saddled with debts due in part to contributions from former spouses. We want to draw a line under it and start fresh.
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| memphisd56 |
Posted - 24 June 2011 : 11:42:25
Hi, I managed to change my contact details, via internet banking e.t.c. for a few of my creditors, my phone did go strangely quiet!. |
| RHB |
Posted - 23 June 2011 : 20:45:29
I think if your maintenance payments are historic they will be more likely to allow them, after all the CSA limits are the MINIMUM a non resident parent is expected to pay. If you are paying at the CSA rate you wont need to go through them as the OR will know what % of your income it should be.
Not sure about whether they will remove your number, if it were me I would be tempted to tell them I was going bankrupt & therefore making no more payments.
Have you anything to sell towards bankruptcy fees? |
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