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 bankruptcy postbag for july
 Question for ' Needafriend ' please
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digman
Junior Member



United Kingdom
319 Posts

Posted - 12 September 2008 :  21:15:33  Show Profile  Click to see digman's MSN Messenger address  Reply with Quote
Hi Jo , please correct me if im wrong , but from a previous reply to one of my questions you said your OH was a lorry driver . I am too . Could i ask does he get ' night out ' money for obviously been out in his lorry overnight and if so did you put it on the SoA . In my case i do get ' night out ' money but it is paid cash in hand as and when i have them . It is given as a non-taxable allowance to cover meals and the such when away from home .
Obviously if your OH does not do ' nights out ' you will not have a clue what the hell i am going on about .
Thanks in antipation of your answer

Needafriend
Junior Member

United Kingdom
344 Posts

Posted - 13 September 2008 :  08:46:48  Show Profile  Reply with Quote
Hi Digman

I have just found this question, it was in the July postbag. Never mind. Right:

My OH used to do nights but unlike you he had all his included in his wages and so it became taxable.

I am not sure about yours but i would tell the OR about it as it is for your nights out and living costs which is part of your job.

Hope that helps, if im wrong maybe one of the other experts may suggest a different approach to the money side of things.

Good luck

Jo x

"There is light at the end of the tunnel, if you cant find it get a brighter torch"

For links to help with Bankruptcy, useful web pages and also a run down of my new debt free life, both before and after Bankruptcy, then please visit my blog:

http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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digman
Junior Member



United Kingdom
319 Posts

Posted - 13 September 2008 :  08:52:07  Show Profile  Click to see digman's MSN Messenger address  Reply with Quote
Thanks for your reply Jo
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Needafriend
Junior Member

United Kingdom
344 Posts

Posted - 13 September 2008 :  08:53:57  Show Profile  Reply with Quote
Your welcome Digman,

How are things going. Are you slowly getting there?



Jo x

"There is light at the end of the tunnel, if you cant find it get a brighter torch"

For links to help with Bankruptcy, useful web pages and also a run down of my new debt free life, both before and after Bankruptcy, then please visit my blog:

http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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digman
Junior Member



United Kingdom
319 Posts

Posted - 13 September 2008 :  09:15:25  Show Profile  Click to see digman's MSN Messenger address  Reply with Quote
Hi Jo , its hard to say to be honest , from the advice i have been given ( had a long phone call with John ) i think the basics of the SoA and forms should be straight forward , its the next step with the OR that is scaring the ' bejeebies ' out of me .
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Needafriend
Junior Member

United Kingdom
344 Posts

Posted - 13 September 2008 :  09:20:50  Show Profile  Reply with Quote
Hey Digman

Our OR and the meeting were fine, the court i was most worried about and i know now that i should not have been.
Its like anything i can say dont worry but at the end of the day we all do.
When are you hoping to go BR.
The ORs are only human, be honest with them and answer there quesitons honestly and openly and before you know it, that side will be over and done with.
Good luck mate.

Jo x

"There is light at the end of the tunnel, if you cant find it get a brighter torch"

For links to help with Bankruptcy, useful web pages and also a run down of my new debt free life, both before and after Bankruptcy, then please visit my blog:

http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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digman
Junior Member



United Kingdom
319 Posts

Posted - 13 September 2008 :  09:31:22  Show Profile  Click to see digman's MSN Messenger address  Reply with Quote
Jo , your support & advice is very much appreciated . The thing i am worried about could be seen by the OR in two different ways even if i am totally honest re what happened .
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Needafriend
Junior Member

United Kingdom
344 Posts

Posted - 13 September 2008 :  09:54:48  Show Profile  Reply with Quote
Have you shared that on here the thing you are worried about.:-(

I know its hard though, i am still wondering if by my taking credit back in Feb this year will warant a BRU but we dont know yet.:-(

Do you want me direct email as then we can exchange messages that way, your more than welcome if you want it, i can ask admin to do this.
Just say. :)

Jo x

"There is light at the end of the tunnel, if you cant find it get a brighter torch"

For links to help with Bankruptcy, useful web pages and also a run down of my new debt free life, both before and after Bankruptcy, then please visit my blog:

http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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digman
Junior Member



United Kingdom
319 Posts

Posted - 13 September 2008 :  10:19:48  Show Profile  Click to see digman's MSN Messenger address  Reply with Quote
Jo , that would be great to have your direct email , yes please arrange it if you can .
Without making light of the situation , if your worried about taking credit in Feb , christ , i should be petrified as my recent credit was last month !!
I have spoken to john re the situation
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Needafriend
Junior Member

United Kingdom
344 Posts

Posted - 13 September 2008 :  12:22:17  Show Profile  Reply with Quote
Thats good Digman,

I will put a note on here for admin to forward my email and if you still want mine please also answer the post in response and hopefully admin will forward it over.
Take care

Jo x

"There is light at the end of the tunnel, if you cant find it get a brighter torch"

For links to help with Bankruptcy, useful web pages and also a run down of my new debt free life, both before and after Bankruptcy, then please visit my blog:

http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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