it just states damages and 8% interest occured daily. Spoke to his ins company and they have asked for the forms to be sent to them

By the sounds of it, you will receive one. if u have more than £20 per month surplus than the OR will want you to do one

yeah OR = Official reciever

My father in law was invloved in an accident just over a yer ago, where he reversed out of a parking space and a car that was travelling down the car park at some speed had collided his tow hitch, it caught the car and there was some damage. Ins companys were told and thought that was the end of it, i think they didnt pay anything as its in a supermarket, knock for knock etc, but a court summons of £2500 turned up yesterday. Now he's an IAM advanced driver with no pervious accidents etc. Any ideas?

Well had my OR phonecall thurs, i must say it looked like i had nothing to worry about, she was very freindly and understanding etc, i must thank debtinfo from on here for some sound advice, lets hope thats the end of it and now to live the rest of my debt free life !

As long as there is no IPO/IPA or BRO then no, you dont need to inform them of anything

Your husbands income would be taken into account as he's expected to contribute to the household bills etc, try and lose all your income into your expenditure, you maybe ok then. If the house is given to you whilst your still in the discharge period, then the OR will want it, but when your discharged from bankruptcy and you are not paying anything to creditors (IPA) then the house will be fine as you'll be free from bankruptcy, hope someone chimes in if im wrong

Best place i found to do an I & E is here, works out everything really well http://www.nationaldebtline.co.uk/england_wales/budget_sheet.php?country=england_wales you can do it either monthly or weekly

i will send them, but will i get a real grilling about the money ?

It been opened a couple of months now, but it had alot of money going in and out of it when we were saving for furniture etc as we live at my moums and my mother in laws, just worried they will say i should have payed debt off first

Well, on saturday i rang the so called bank in question and told them i was going bankrupt today, my wife who has had a mental illness was going the other way and doing a DRO, i explained to him that they have broken the lending code in dealing with people with mental health issue's and what were they gonna do about it. Then all of a sudden his tone changed, he become the perfect person to speak to and offered all the help he could, froze everything for 28 days so i could write letters etc, said there is a specalist team of advisers who deal with people who have mental health problems etc. The reason i was gobsmacked was this, he asked what illness she has and long before she would be back earning about 30k a year, i said about 4 years and could supply medical evidence from support workers etc, he then said cause shes been so ill and wont be back to full strength for years, then write to them and they will write off the debt fully ! As you can i was really shocked, but thought i would tell people who have mental health issue's just to try and you'll be surprised

Well as from today at 10.50 i was bankrupt which hasnt felt like it should do, i think its because im worried about the OR. They have asked for me to provide statments for 8-12 months, now they only seemed to indicate the creditors who i listed and not my cashminder account with the co-op. Is this right, or do they want the co-op account aswell Matt

Your being serious aren't you?

I'll pop in there tomorrow and ask for the footage

I have also CCA'D everybody else now, game on!

would SAR be any good? DATA PROTECTION ACT 1998 SUBJECT ACCESS REQUEST Date: xx:xx:xxxx Dear Sir/Madam Name xxxxxxxxxxxx Account No’sXXXXXXXXXXXXXXXXXX I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts and credit cards accounts I would be grateful if you would provide the following for ALL accounts or associated accounts I hold or have held with your organisation: Full copies of all contracts which you believe exist or have existed between myself and your organisation, including true copies of any documents you hold in support of the same. A complete list of all transactions or statements relating to ALL of my Loan Accounts with your organisation. Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information. Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me. Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data. Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations. Underwriting sheet or other such document recording any commission (or other) payment made to an intermediary or packager, and/or payment/commission from the insurer in relation to my account. Where you have used abbreviations and/or codes, I would request that an accompanying sheet be provided so as to translate these abbreviations and/or codes and their meanings, I also request an accompanying appendices of the documents included and reference to the purpose or meaning to those documents. I request that you provide all the information requested above, even though you may consider that it falls outside Data Protection. I reserve the right to refer to the contents of this letter if an application for pre-action discovery is necessary relating to any of the documents requested herein. I enclose a cheque in the sum of £10 to cover your fee. IF YOU ARE UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIALTELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROTECTION. I look forward to hearing from you in the first instance of receipt. Your Faithfully.

I spoke to my wife this morning, she took her credit card out about 10 years ago, so that is defo going to be CCA'd, bet they have nothing that one.

Whilst im doing that, shall i CCA the rest, i had to ring lloyds today ref my wife's CC, there were not one bit interested, so they can whistle for i all care, the demended an I&E and said it's there right, whatever lol

Ok, i'll give a different shot, if i send the SAR, will this put the account in dispute?

Looks like they have me on this one

Yep, this is all i was sent by them. Hence why they said they will not be dealing with anymore with me lol

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Any CCA experts out there, want to get this shifted asap if possible please

right then try these, lloyds 1.pdf lloyds 2.pdf lloyds 4.pdf lloyds 3.pdf lloyds 5.pdf

Yeah thanks dx