Hello all. Hope everyone is well. Just thought i'd come on here and write down my experiences during BR, hoping that someone in a similar situation in the future will know there is light at the end of the tunnel. Its been a while since i have posted but my life has been pretty busy. Anyway, i paid m...

Thanks everyone.

Yeah seems like only yesterday when we came to see you Melanie. Lots have changed. Thanks again for the great advice and thank you to this forum for the help i received prior and during BR.

Will call Moonbeever regarding final payments then. Was just wondering routine

Hey everyone. Hope all is well. Time has been flying by. Just remembered other day that my IPA runs out in August. Just wondering how this is done. Will they write me a letter? Payments just stop? Do i have to meet anyone or send off documents before it finishes? Anyone who has been in this situatio...

not to sure. thats why ive come in here to ask

not sure i will be given a quarter if i have my own property less than 50 miles away unfortunately

was thinking of moving it into my parents name and then renting but not sure if that will work

Hello all, Looking into moving into married quarters due to the fact that at present i will be £500-£600 better off a month. Plus living in a flat, i do not have access to a private garden for my 1 year old. At present i am currently about even, maybe even slightly above in value. but its the £5500 ...

Hello Everyone. Hope your doing well. Been a few months till last was here. All is well my end. Oscar is now one (16th Aug) Got released on the 11th August. No one told me i was i just found out by looking at the Insolvency Website. Is that normal? Anyway thats the hard year out the way. 2 more payi...

Roger that.

Was just wondering as im getting more money so should be contributing more tax in stead of paying the fixed amount moon beaver tell me to.

Dont want to get on wrong side of tax office

Will the tax office send info to the OR?

cheers Melanie

I spoke to them today and asked exactly why ive been sent to them. They say as i have an IPA its normal for them to get involved to "monitor" payments They mentioned my property and explained it was mine now due to buying back interest so they were happy. Im a little worried as i got a £500 anual pa...

Hello everyone, hope your well. Got a letter saying our case has been handed over to the regional trustee and liquidator unit. What does this mean? Says that they will be dealing with assets and payments. Bit confused. I still have my house due to -ve equity(ive now bought the OR share)and car. the ...

Oh yes time flies when your not sleeping haha. I will not be applying for a mortgage untill discharge. When i am discharged this means i am no longer BR doesn't it? I know i continue to pay moonbeever the set amount for 3 years total. I was wondering about selling property, although i will not get a...

An idea i was considering but when we bought the flat we used a tax free loan from the Navy. LSAP. The OR was very kind and didnt mind about this loan so work never found out about the BR. There is a written rule that if you sell you property you have to pay it back but there are loop holes which im...

Hello elanie. Only seemed like yesterday when i was sitting there with you, all worried. Things worked out well as you told me. [:D] Im still living in my own flat. We have contemplated moving into a married quarter but they are smaller than my flat although you do get a garden. My main worry is tha...

Hello everyone. Really sorry its taken this long to get back to you but in all honesty its hard work. Oscar is now 6.5 months and doing great. Amazing is all i can say The OR was great also in the interview. I managed to keep the property as it was in -ve equity and also the car as it wasnt deemed w...