| T O P I C R E V I E W |
| pleasehelpme22 |
Posted - 09 June 2008 : 08:08:10
My partner and i are both going bankrupt on 24th June, we have completed our forms online, printed them off and submitted them online too.
I have just a few questions on my mind and was wondering whether anyone knows the answers??
1.) On my form i didnt put down my partners income into the household income box (he pays for everything as im a SAHM) will this effect anything?
2.) i forgot to put my CO op divedend acc details on the form ? caan i just tell them at the meeting on 24th?
3.) Will the OR automatically contact our Landlord? as we were thinking of asking for a meeting with our lanlord to inform her of our situation that way it goes in our favour that we have been honest and open about our bankruptcy?
4.) We know we have to take 3 copies of the form to the meeting but do we need anything else? ID, Rental agreement etc? or will this be done afterwards with the OR?
Sorry for the list of Questions just i obviously have never done anything like this before and we are both so scared and frightened about the whole situation
Tanya |
| 9 L A T E S T R E P L I E S (Newest First) |
| JulianDonnelly |
Posted - 09 June 2008 : 12:57:30
Hi Maxine,
It is standard proceedure to contact the landlord (if nothing else, to verify there are no arrears). In my case, the landlord phoned me up (a little upset) and all I had to do was reasssure him it wouldn't effect the tennancy, and he was quite happy.
Regards
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
| applebabe |
Posted - 09 June 2008 : 12:51:10
Hya Julian,
Just reading through this and in your earlier statement you said the OR will definately contact my landlord, when asked at court for my landlords details I was only able to give his name I have his address somewhere but cant find it at the moment.
Although it does not state anywhere in my tenancy about bankruptcy and he was not one of my creditors I have kept up my rent and have never missed a payment.
Does this still mean that my officer will definately let him know?
Am I right to say that bankruptcy is only for the person and does not reflect on the address you live at?
Maxine x |
| JulianDonnelly |
Posted - 09 June 2008 : 11:43:03
Hi Tanya,
You can do either. Definitely list the benefits as well as any other income. It wouldn't hurt to listy all the expenditure of the household as well withyour partner's CONTRIBUTION making up any ahortfall. It's a difficult one to call, but you can do it either way!
Regards
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
| pleasehelpme22 |
Posted - 09 June 2008 : 11:39:48
Julian
On my SOA i did put all our household exp down as i called the enquiry line and they told me to do so , i get child tax credit and child benefit so i put that down as income as well, was i mis informed about the exp details??
Tanya
ps i think ill call my landlord today just to clear the air, dont want to be fretting about it!!
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| JulianDonnelly |
Posted - 09 June 2008 : 09:57:39
Hi Pleasehelpme22.
I'll answer your questions in the same order you asked them ....
1. You should be fine. I assume you've put no income or expenditure with everything going on your partner's SAO?
2. Yes. just let the OR know and that will be fine.
3. Yes, the OR will automatically write to your landlord. Check your AST to see if there's a clause regarding BR. If not, letting your landlord know directly as a matter of courtesy is not a bad idea.
4. £ copies of the SOA will suffice. Everything else will be required for the OR meeting, but they'll let you know in advance what they need.
Hope this helps.
Regards
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
| m and v |
Posted - 09 June 2008 : 08:49:48
I know - I was fortunate that I rent with a big housing association so I am not having any impact on an individual.
Check your tenancy agreement and see if BR is an issue for the landlord and take it from there.
And you are definately not on your own!!
Vicki x |
| pleasehelpme22 |
Posted - 09 June 2008 : 08:39:12
Thank you Andrew and Vicki for your quick and informative responses.
Feeling a lil less 'On our Own ' if you know what i mean .
Still confused whether to speak to landlord or not, we are privately rented through an agent and our agent is lovely (family run business) just dont want to risk being thrown out onto the street! |
| m and v |
Posted - 09 June 2008 : 08:25:10
Hi pleasehelpme22 - welcome to the forum!
You will get lots of support and help on this site, most of the experts have themselves been through BR and we can all appreciate how you are feeling.
On my SOA form I too didn't put down my husbands income as he too pays for nearly everything - I did put down his contribution to the household income once he has paid all he needs to pay for.
The thing to remember is that you will discuss the whole of the SOA with the OR, so you will have a chance to discuss and change/add details - such as the account you missed off - when you speak to the OR.
The OR won't contact your landlord unless you have included them on your SOA because you have debts with them.
I checked my tenancy agreement to see whether I needed to inform my landlord - and I don't - so I didn't!! I am with a large housing association though so I fully understand if you feel you can talk to your landlord and be upfront about it all.
On the day you just need your BR forms and the money. If the OR is actually sited int he court then you could take all the other bits but most aren't.
You may speak to the OR on the day over the phone, whilst you are in court, and they will then send out time/day for your appointment in the next few weeks.
I had a phone interview, and it seems most have on this forum rather than a face to face interview, just over a fortnight after going BR.
Finally try not to be scared, if you need to know anything just keep posting!
A BR assist expert will be online soon to add their reply so hang on there!!!
Take care
Vicki x |
| andrew.h |
Posted - 09 June 2008 : 08:23:07
Hi Tanya
When i went to the court last week and submitted my SOA i was asked by the clerk of the court, and the judge, if i wanted to change anything on the SOA. I guess you could add the information at this stage.
I think the OR does contact your landlord, like you say it is better to be upfront and honest. If you have a good relationship with your landlord then they should cut you some slack.
Finally, all you need to take with you to the court is the petition and the SOA. The OR will contact you a couple of day afterwards and follow this with a letter asking you to send them various forms.
Try not to worry about going to court, i found the staff there really friendly and sympathetic, and you only have to go before the judge for about 3 minutes, the judge will ask you to confirm your name, address and that the info on your SOA is correct. In my opinion the thought of going is worse than what actually happens. |
