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ddonna
New Member
89 Posts |
 Posted - 03 November 2011 : 11:24:30
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Hi my husband is nearly at the end of his BR and will be AD in 5 days...im wondering what will be happening now ,is there still time for him to be contacted by the OR for a new I&E??
He has never been given an IPA and things have been really quiet thankfully,but i just have a few little worries that need answered if any of you's can
1.when he went BR he signed and returned 2 forms 1 was a disclosure?? form and the other was to do with a tax..i think. Does it mean because he signed them that he could get an IPA for the tax(we have it in his bank as no one ever contacted us and we were told off moonbeaver that they had no record of my husband!!
Also if it is the case that he wont get an IPA for the tax during the Nil tax code what do we do with the money and who collects it??
Im a bit confused, i dont want to ring the OR as we are trying to keep our heads down til its over
Sorry for going on and on ...hope one of you's can help
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Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 03 November 2011 : 11:47:02
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Hi Donna,
5 days?! That's great news.
It's unlikely you will receive anything from the OR re an IPA now but I do suggest you call them about the tax as it will need to be paid out.
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
Please read my experience of debt via my blog at http://vikiw.blogs.iva.co.uk/ |
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ddonna
New Member
89 Posts |
Posted - 03 November 2011 : 11:59:47
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Hi thanks for the reply Vicki, i cant believe how close we are to the end of it all!
I'll ring the OR after he is discharged do you have any idea who will claim it will it be the OR or moonbeaver??
Thanks
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Richard P
Senior Member
United Kingdom
1701 Posts |
Posted - 03 November 2011 : 13:19:54
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alas donna they do not put the flags out or trumpet fanfare
i stayed up and checked at midnight on the START of the day anniversary of my bankruptcy to make certain it ticked over to discharged.
dont forget to print off copies from BIS insolvency web site as it will only stay visable for three months after which it will cost you £60 per copy
Good Luck Richard,
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ddonna
New Member
89 Posts |
Posted - 03 November 2011 : 13:31:45
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Thanks Richard will be printing it off as soon as it happens !!! counting down the days
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 03 November 2011 : 15:17:17
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Sorry to be the bearer of bad news but the cost of the certificate is now £70.
View my blog at http://skippy13.blogs.iva.co.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
Last IPA payment made on 28th June 2010 and I'm now looking forward to getting married in September 2012 - I'm proof that you can go BR and come out the other side. |
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ddonna
New Member
89 Posts |
Posted - 09 November 2011 : 12:14:51
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Hi everyone, well its all over i was discharged in april but it was never over until my hubby was discharged which happened this morning !!!! ...its been a long time coming and the past year has been really tough but now its time for a fresh start and we both feel like weve got our lives back and my little ones have got their happy mammy and daddy again !!
I would just like to thank everyone on this forum for all the help advice and support that i have had over the past year,i was a total wreck and really couldnt of got through it without you all
THANKYOU SO MUCH XXX
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Viki.W
forum expert
United Kingdom
2211 Posts |
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ddonna
New Member
89 Posts |
Posted - 09 November 2011 : 12:38:54
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Thanks VIki,im just so relived.Can i destroy all my old statements and bills from the debt now?!!!
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glafy
forum expert
436 Posts |
Posted - 10 November 2011 : 06:55:35
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Brilliant, brilliant news for you ddonna.
What a journey eh?
Good Luck with the future.
"Good things come to those who wait".....I'm a patient person but this is taking the Mickey!! |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 10 November 2011 : 08:24:58
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Good luck for the future from me as well.
Follow through
Make your dreams come true
Don't give up the fight
You will be alright
'Cause there's no one like you in the universe
Jan
xxx |
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ddonna
New Member
89 Posts |
Posted - 10 November 2011 : 08:56:28
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Thanks Glafy and Jan, too right what a journey but it was all worth it! x
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Richard P
Senior Member
United Kingdom
1701 Posts |
Posted - 10 November 2011 : 12:00:42
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Hi DDonna
congratulations and welcome to a debt free future.
all of your debts and paperwork pre bankruptcy date have or can go on the fire !
Good Luck Richard,
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ddonna
New Member
89 Posts |
Posted - 10 November 2011 : 12:55:38
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Brilliant,i have got lots and lots ...anyone for a bonfire party!!!!
Thanks Richard
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 10 November 2011 : 12:58:18
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Congratulations from me as well Donna!
I wouldn't rush into the bonfire party though - you never know when you might need to refer to something! I got rid of some paperwork a couple of years later but I've still got a lot of it!
View my blog at http://skippy13.blogs.iva.co.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
Last IPA payment made on 28th June 2010 and I'm now looking forward to getting married in September 2012 - I'm proof that you can go BR and come out the other side. |
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ddonna
New Member
89 Posts |
Posted - 10 November 2011 : 13:05:15
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I dont think im ready to get rid of it all just yet,ive still got bank staments /catalogue ones from 1999-2010 when we went BR so as you can imagine there's alot !! But sometime down the line i'll get rid.
Donna
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I have a few little worries
