| T O P I C R E V I E W |
| applebabe |
Posted - 31 May 2008 : 13:06:25
Hi everyone,
I nearly have enough money to declare bankrupt and I am hoping to do it next week.
I am actually having a bad time, not sure what to do next with regards my N-Power electricity account I owe nearly £1000 to them and have not been able to pay back anything for a long time as I struggled with all my debts and they insisted on me making a payment weekly which was half my income every week!
I have got a letter this morning saying they are going to come to my flat (rented from private landlord) on Friday 6th June to cut me off!
I am hoping to go to court on Thursday 5th june to declare bankrupt and I have told them this but the guy I spoke to basically said "tough they will still come out on friday" and then he gave me a phone number to ring on Monday which is their bankruptcy team.
Can someone please advise me of what to do next?
Also I need some advice on filling in my forms mainly about expenditure I have also just read that if I have been ignoring (not paying) my debts for the last 2 months ( i am on benefits, I work part time only as I am unable to work full time as I have an arthritic illness)that they may say no to my banktrupcy!
The only reason I have not been paying is because I have been trying to save up enough money to actually declare myself banktrupt!
And I have just changed job as my previous employment was selling up and the new owner did not want to keep any of the staff.
And so I am now actually working for a month with no pay as it is a month in hand.
I am so worried and feel so ill as I always go down pretty bad with my illness if stressed.
Thank you everyone for any help offered |
| 12 L A T E S T R E P L I E S (Newest First) |
| JulianDonnelly |
Posted - 02 June 2008 : 11:30:42
Hi Maxine,
Don't worry. The judge's main concern is that you have sought advice which you clearly have. In your case, BR is certainly the way forward and the judge will only deny a BR if he/she doesn't believe it to be in your best interest. Looking at your situation, BR clearly is in your best interest.
Regards
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
| applebabe |
Posted - 02 June 2008 : 10:24:48
Thank you sooo much sue and vicki.
It is so much appreciated, I hope I will stay as calm as possible, and everyone has said " you wont be the only one!"
The thing is I feel like I am
Knowing I can come on here for support is a great help.
So thank you everyone who has taken the time to reply to my questions
Maxine x |
| m and v |
Posted - 02 June 2008 : 09:02:16
You will be fine Maxine!
It is a bit scary but over in minutes.
I think it does you well to come across that way rather than to go in and look as though you don't care.
My judge seemed accepting of my situation and I know he could see I was distressed about it!
Once the court day is over you can start to plan the rest of your life.
Good luck
Vicki x |
| debtfreesusie67 |
Posted - 02 June 2008 : 04:41:53
Hi Maxine can your friend not go with you to court? If its any help it's over with very quickly. I went Bankrupt on 21st May and hadn't paid my debts for about 4 months before that.
The only way is up
Sue |
| Viki.W |
Posted - 01 June 2008 : 18:23:58
Maxine, don't feel bad, you should be proud that you are standing up and doing something about your debt problem. I really do hope that you make a fresh start and you can eventually put all this behind you. We are all here to support you every step of the way. Viki X |
| applebabe |
Posted - 01 June 2008 : 18:10:35
Hi Viki
Awww thanks anyway ANY help and advice is worth it to me at this point.
I am so worried I have to go to court alone and I am terrified!
Oh well its my own fault :-(( |
| Viki.W |
Posted - 01 June 2008 : 18:02:08
Ah Maxine, sorry about that, good luck, Viki X |
| applebabe |
Posted - 01 June 2008 : 18:00:48
Hi Viki
I was told this by the owner but as I had only been there a short time I wouldnt be entitled to any anyway
So as soon as I knew I looked for another job mainly for my own stability really.
Thanks for your input
Also Julian can you please tell me if it is true that as I havent paid any of my debts for at least 2 months the judge may deny my bankruptcy?
This is what my friend said, she said as I have not been paying them he or she may deny my bankruptcy?
The only reason I have not paid is 2 fold, because I have started a new job and am gonna get paid for a month and I have been saving the amount i need to pay for my bankruptcy!
Maxine x |
| Viki.W |
Posted - 01 June 2008 : 17:19:26
Hey applebabe, I just noticed in your post about your job. I am a restaurant owner and I am trying to sell my business. I have been told that if I sell my business as a going concern then the staff get "sold" too. If the new owner doesn't want to keep the staff then they HAVE to pay redundancy.
Obviously I don't know your circumstances and how long you've been there, but it could be something to look into. It may be that you are entitled to some sort of payout.
Viki X |
| JulianDonnelly |
Posted - 01 June 2008 : 16:46:32
Hi Applebabe,
If you declare yourself Bankrupt then the debt will be written off.
As Vicki has mentioned I would ring the Bankruptcy team at N power on Monday and explain your situation.
They may however want to put you on a pre pay meter for you future bills, but have a chat with them and see what they say.
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
| applebabe |
Posted - 01 June 2008 : 13:54:03
Hi Vicki,
Thanks for your advice.
I am in a situation that to be honest I really do not know what to do for the best :-(
I am going to go to court on Thursday 5th june for my bankruptcy, and I am just wondering if it will make a difference if they do turn up the following day.
Also I have got a persecution problem at the moment!
If I ring the bankruptcy dept of N-Power tomorrow what if they bring the cut off date forward when they know I will be declaring myself(hopefully) a bankrupt?
Also what do I do when I have been declared bankrupt if they or anyone else turns up at my door?
Thanks for listening
Maxine x
|
| m and v |
Posted - 01 June 2008 : 12:14:57
Hi applebabe
Sorry you are having such a tough time.
I can't believe that they are actually going to cut you off - I would speak to their bankruptcy team on Monday and have a good talk to them about your situation.
No-one wants to be in a position of debt and you are now taking positive steps to sorting your problem out.
Sometimes creditors make such impossible repayment demands from you that they push you into BR - I wish they could be realistic and see what they are doing!
I hope your call on Monday goes Ok - please let us know.
Another expert will be along soon and be able to offer you more advice.
Take care applebabe
Vicki x |
