Hi all, I've been cleared from Bankrupcty Nov 2016. And have monthly payments of €138.00 to PIP until 2019. Ive managed to save a few quid each month by scraping and cutting back . I was entitled to tax back of app €700 for 2015 but the OA has blocked it and its been sent to him now even tho I was waiting and counting on it for my daughters communion in May. This leaves me in fear to put my savings in to my bank account now incase the OA intercepts and takes everything I have ( which by the way is nothing much to anyone but to me its millions in my situation). Can anyone fill me in on how do I get back to normality with savings & building credit . I want to be able to eventually buy a home for my daughter and I to call our own. Feeling lost . Thank you for your patience and time in advance.