thank you flipper 79 sorry for asking the bovios but i have long list of problem with my employer . i am owed at least 2 weeks pay holiday ( form march 2008) and some overtime... they are refusing to pay me this as i am not working they told me i will be paid for it if i return to work or i leave.. but they are trying to get rid me without any procedure so far . apaarently it is their new policy but i have not been copy given about this new said policy . i am in the process of preparing a grievance letter i just wanted to make sure i am not putting wrong information.

sorry if ti s an bovious question but i do need some advice i have been off sick since january 2009 . i am not getting any salary from them nor any SSP . they still owe me some holiday pay to which they ionsis wil be pay on me leaving the company. i am on ESA and i was wondering if i should get any payslip at all ? i am applying for an NHS exemption card who ask me my last recent payslip

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more or less exactly what happened after talking with the manager is that the cashier processed three time my card and as it is a prepaid card well there were not enough fund to process 3 times the amount of 50 pounds so the transaction was refused. however after the mange r let us in and gave us a pritn out showing the 3 transaction adn the last one being suceesfull. then i wonder why th emoney return to us . anyoh virgin tols us we have the option of giving them the cash or wait for few days and see what happen and the last if after few days th emoney is still there well it is ours to keep . it is about a week now gone and the money is still there so we will keep it.adn see what happen.

sorry for the late reply well we turn up on monday evening with our bank statement showing that the transaction was done and left my account they let us in..... but now i am really puzzled by this. they let us in and confirm that the transaction was authorised after the manager trace our transaction and our authroisation code into their computer system . we didn't even had any problem the manager apologise for this etc.. . today i realize that in effect the one that i have paid for the show has been put back into my account ! i called virgin to let know if it was aproblem apparently nto they told us that my local theatre hasn't took the money so the money revert it back where it came from ! so virgin told us this i due to their error and not theirs as the money left our accout but for somereason they never took it onto theirs. so i am not sure where this left me to be honest.

s gizmo said explain that we had to give some money towards your son or shopping petrol car etc.... and u will be fine the OR will look more into one off big transaction such as the one over 1 000 pounds. they are nto interested in small one . how are you getting on vespapx ?

too depend on how your OR is busy usually about 6 to 8 weeks and you are not guaranteed either an early discharge, i was promised the same last year in november 2008 and i am still waiting for mine to come through . my automatic discharge is in July 2009 . what your letter an IPOQ had on the top left corner the EDREV initial by any chance ?

this is wrong water bill can be included they are just trying it on ! as tanyowl rightly said there is very little debt not included into a BR estates as a mater of fact i had arrear with my water bill and a ccj cause of that and it was included in my BR. but my previosu utility company didnt think otherwise until my OR step in. although beware that some company will force u into installing a prepayment meter .

i have received quite a few after my BR order was made i would have though they will market towards creditor petition BR based rather than a debtor one a debtor go towards a Br knowing the consequence and as very little to loose if any and a debtor know that this is the very last option for them to have a clean start. anyway they did look beautiful in my bin lol

i went this morning to buy some ticket to see carmen this monday on thier box office. i choose two ticket at 24.50 each. i paid using my virgin pre-paid credit card , i check beforehand that i have enough fund left to pay , and yes i had 70 pounds on the prepaid card. few minutes the cashier told me that they was a problem with my card and the transaction was refused after 2 attempt ( he only gave me one receipt thought) . so to my surprise i called virgin who told me that the authorisation was approved and the payment went through for the sum just above 50 pounds. the vrigin card told me also that the moeny is not due to be refunded as there is no rproblem with the transaction. so i came back to the same cashier who was having none of it, he also mention that i should go on monday with my bank statement and they will let u throught with no problem blah blah., that the computer showed the transaction not being through.... . so i ask him if they will issue the ticket later on if i show my bank statement then if i come back with my bank statement then surely you will be able to produce the ticket. his answer no don't bother we cannot do this. i then decided to go back home i check online my statement and indeded it showed that the payment has gone through so i called back virgin who gave me an authorisation number. i decided to come back to the guy with my statement showing the transaction and giving him the authorisation number . he then said he coudln't do anything and i will have to wait till monday to sort it out , blaming the headoffice.... etc... i asked him if i coudl talk to his manager or his superviser apparently he refused saying the manager was not there etc.. then a colleague came back to me saying oh sorry we have reserved your seat just came on monday with your bank statement and gave your name and address and they willl sort you out..... i mentioned and showed her the statement and the authorisation code she refused to even search on her computer saying she couldn't do that and aparently there is a computer glitch and we were not the only one complaining. My point is they are not willing to produce any ticket on presentation of bank statement etc... that this is paid so how coem they will let em through on monday., how they willbe abel tosee for which show i paid and for what seat . i feel i have been con by this person. i have call their office but they were not much help either although they said that the guy made anerror has he register our transcation as apid by cash ?!? to which i denied as i have paid by card. this sounds quite dodgy to me. i do however ihave the name of the guy . so i dont knwo what are my option

hi looppyjuivce before selling out your property get some advise from National debtline you may have to hold on a bit on the phone but belive me they are very helpfull ( much more than CCS who wouldnt touch me with a barge pole too !)

have you though of giving a call to CCCS or national debtline ?

however if u are eligible to have the court fee waive then you coudl get the certificate for free.

hi rippedoff to be honest don't bother recaliming the bank charges as you have been declared BR as such you have lost all claim regardiong any asset and bank ac count pre-BR unless the Official receiver says he has no interest in it. if i werer you i will leave it as the bank account is no longer yours but belong to the official receiver and you have lost any entiotlement towards this halifax account. if you proceed however you will have to inform your OR and if they let you then you will have to hand back all money you will receive

DEbtt rel;eirf order are like "mini bankruptcy" and there is certain criteria that you must have before being offered one such as the amount you owe is below 15 000 pounds that you have no asset and a low income.

yes the 510 pounds cover the court fee and the OR fee. if you are on certain benefit or low income you can have the court fee waived !

i cant advise much i'm afraid as i dont know much about iVA. i think you will be better to give a call to national debtline or CCCS. i have seen your old thread and i think it may well worth to ring them to see why they ( debt matters) havent passed on the money to your creditor National Debtline – Free, Confidential Debt Advice – Call 0808 808 4000 CCCS - Free Debt Advice from the UK's Leading Debt Charity

agree with fermi stay away from them ! keep your money as you will ned dit after your Br while you sort out bankaccount etc...... at the end of the day u wil still have to go to court yourselves . although the form are a pain to fill in , it help me to realise how much in debt i was in(after so many years tuening a blind eye)

sorry i forgot ot mention when you will go Br your share of the property will be transfer to the OR. If your OR agreed that your house is negative equity he may not be interested at all and as such your ex-wife might be able to buy the beneficail interest . however i do not o knwo what will happen to the charging order, i may suspect that it might be dissolve as the security will be gone ( your share ) but i don't know much about it to advise on this matter. and more info for you back to top Property and your home If you own property then this might be sold depending on whether it has any equity (value) in it. If your partner and children live there then the sale can be delayed for 12 months to give them time to find somewhere else to live. Once you have gone bankrupt your interest in your home is transferred to the Official Receiver or trustee. This enables them to sell the home. If you are the sole owner then the whole of the value of the property is transferred to the Official Receiver or trustee. With jointly owned property the Official Receiver is usually only entitled to the bankrupt person's share of the equity. This is called your "Beneficial Interest". Depending on your circumstances, you may be considered to have a "beneficial interest" even if you are not named on the mortgage. This is a complex area so phone us for advice. It may be possible for the joint owner or family and friends to make an offer to the Official Receiver to buy out your share of the equity. This is particularly helpful if there is little or no equity It is very important that your beneficial interest in your home is bought out as soon as possible or the Official Receiver may be able to sell the house, even if you have been discharged from bankruptcy. If someone is willing to buy your beneficial interest in the home they should contact the Official Receiver or the trustee who is handling your bankruptcy. The Insolvency Service runs a low cost conveyancing scheme to organise the transfer of your beneficial interest to someone else. There are various fees to pay to cover the costs of this. You will also have to agree with the Official Receiver how much your beneficial interest is worth before this can go ahead. If there is negative equity or no equity in the property then the value of the beneficial interest can be set at a minimal amount of £1.00. For details of this scheme there is a leaflet called "What will happen to my home?" available from the Insolvency Service. If you cannot save your home through someone buying out the Official Receiver's interest, the property is likely to be sold. If your home has very little equity in it (up to a set level of £1,000), then the court will not be able to order a sale or put a charging order on your property. They still have up to 3 years to see if your house has risen in value and is worth selling. Try and come to an agreement with the Official Receiver over your beneficial interest as soon as you can to avoid this happening. If you have a mortgage or secured loan on the property the monthly payments still need to be maintained to stop your lender taking possession action. New rules from April 2004 If you went bankrupt before April 2004 then it was the case that the Official Receiver could come back at any time in the future and sell your property. This has now been changed. The Official Receiver has 3 years from 1 April 2004 to deal with their interest in your property. After this date, if no action has been taken, your home will belong to you. This will apply to you if you are already bankrupt on that date or are made bankrupt in the future. The Official Receiver will have these options: Come to an agreement with you about the property Sell your home Apply for an order for sale Apply for a charge on your home. This means that you should not be left with the possibility of the Official Receiver coming back years after your bankruptcy has ended, wanting to sell your home unless a charge is placed on your home. In this case the Official Receiver has 12 years to ask for an Order for Sale

if you go BR then you will have to declare yourself i think in london high court and you have to go there yourself. regarding the house, i can't advise much as it depends form the Official receiver only and its moods. it is a minefield when it comes to property . however the fact it is in negative equity is encouraging . regarding the charging order i cant advise you as i dont know the answer to that. however, i have found this which might help you to find some answer Charging Orders 9.106 Partner’s creditor claiming partnership assets A judgment creditor of a partner may not levy execution against partnership assets in respect of a partner’s debts. The creditor may seek a charging order over the partner’s share of the partnership assets. however i must warn you that secure debt are not wiped off by bankruptcy and you will continue to be liable for it until such debt is reapid or the security has gone. "Provided the charging order was made absolutely prior to the commencement of the liquidation or bankruptcy, a creditor is entitled to retain the benefit of the charging order." even though you live in Belgium i think you may still be liable to pay towards your BR settle through an IPA/IPO if you have enough money left after you have paid for all essential bill and living expenses ( in reality if after paying all this, you are left with money over 99 pounds the OR will take 50%). you will have to fill an income and payment questionnaire to them . also you will have to comply with all the request from the Official receiver . and have seeken leagl/financial advise before going BR.

regarding the status of your bankrutpcy if you don't know you can check it at Search the Individual Insolvency Register regardsng your bank account have you tried think banking ? think banking - The account open to everyone although there is a monthly fee, it might help you to have your own bank account in the meantime ..i know it is not ideal but you will be less reliant on other people bank account. have you tried to apply for a basic bank account with barclays (cashcard) and the co-op , they are known to take on undischarged and discharged BR. regarding your credit file and cleaning it up this link might help you Credit Reference File Clean Up Post Bankruptcy - MoneySavingExpert.com Forums i hope it does help

yes normally but you are dealing with talk talk whre common sense does not rule ! i have told them that ... i todl them they renot deliveing no services at all....etc.... but they didn't care.

one advise stay well clear and i mean stay away of any firm willing to charge to fill up the bankruptcy form. if we need help ring the national debtline they will help you to fill it for free or ask away in this board or this one . keep the money to pay for your bankruptcy fees ! Bankruptcy & Living With It - MoneySavingExpert.com Forums if you are really going bankprut and want peace of mind from your creditors, change your phone number or unplug it ! if tey are persistent just say to them that you are seeking independent advise for th emoent and u will get back to them later , don't mention nothing else. don't part of any of your belonging, your Or will be interested in item which can have a high re-sale value such as antique pablo picasso painting etc..... advise you to seek advise from the national debtline, they will help you for free and are non judgemental.