| T O P I C R E V I E W |
| skelly |
Posted - 09 June 2008 : 15:45:36
no choice left but to go bankrupt how hard are the forms to fill in is there any help out there I realy struggle with forms |
| 15 L A T E S T R E P L I E S (Newest First) |
| JulianDonnelly |
Posted - 10 June 2008 : 13:16:14
Hi Kirsty,
As Vicki and Melanie have said, completing the notice of disassociation should do the trick.
Regards
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
| melanie_giles |
Posted - 10 June 2008 : 08:08:12
You should be able to file a notice of disassociation with your parents at the Credit Reference Agencies, which effectively removes you as being linked to their bankruptcies.
For an informal chat about any financial difficulties, or advice as to the options available, I can be contacted via my website - www.melaniegiles.com |
| m and v |
Posted - 09 June 2008 : 23:05:40
Kirsty - looks like Melanie is online - sure she will be able to give you some advice soon.
Regards
Vicki x |
| kirstie_77 |
Posted - 09 June 2008 : 21:22:45
Nope nothing at all, i had a capital one card and i cleared that off but when i rang them to say i wanted to pay them off they said i was bankrupt i said no my dad and mum is, my dads name is k.stevens mines kirsty stevens and his is kevin, the said sorry and realised they had put bankruptcy against myh name instead of his but they said they sorted it out since that day i been classed as bankrupt i rang them and they said they said i aint bankrupt on there forms no more
|
| m and v |
Posted - 09 June 2008 : 21:16:03
One of the BR assist experts will be online either tonight or in the morning they may be able to tell you where you stand legally. You haven't gone BR so it should just be a case of disassociating yourself from your parents debt with each credit ref agency.
On your credit record is there a section that shows financial associations? Is there anything listed there that connects you with your parents debt?
Vicki x |
| kirstie_77 |
Posted - 09 June 2008 : 21:00:16
Hey Vicki, i did show my bank my credit record and my parents official responder have spoken to my bank as well saying i am not on the records of bankruptsy and because my parents are bankrupt it should not involve me or my partner, it used to be based on the household but is no longer done that way. they bank said there isd nothing more i can do, i did think about leaving it as i was told my parents bankruptcy would only be on their file for 6 month but read on here it is for 6 years, im really worried it will stop me getting credit in the future, i don't know where to start or anything as i never been in this situation before xx |
| m and v |
Posted - 09 June 2008 : 20:41:24
By the way did you show the bank your credit report? Was that not enough to prove you aren't BR etc??
Vicki x |
| m and v |
Posted - 09 June 2008 : 20:39:39
Hi Kirstie
I think the best thing to do is contact each credit reference agency and complete a notice of disassociation. This in affect disassociates you from your parents to protect your credit record.
I have just done this to disassociate myself from my husband after my BR.
Hope this helps
Vicki x |
| kirstie_77 |
Posted - 09 June 2008 : 20:26:53
Hey everyone, im 21 in July but i have a problem, my parents went bankrupt in Januray and when i went to my bank to get a loan it came up that i was bankrupt, ccj and all sorts of other things against my name, i don't have debts and im certainly not bankrupt, my bank said they can not help me unless i prove im not bankrup, i have paid and printed off my credit report which shows nothing about bankruptcy or ccjs against my name and my parents have spoken to there official reponder on their bankruptsy case and they have said i am not bankrupt either, what should i do,,,, please help. k xx |
| m and v |
Posted - 09 June 2008 : 17:40:34
https://www.insolvencydirect.gov.uk/isolv/
Hopefully this is the link - with the forms and helpline details
Vicki x |
| sueann |
Posted - 09 June 2008 : 17:30:50
Could someone please give me a link to a good site for filling in on-line and do the on-line forms give you a telephone support contact for assistance on completing? |
| m and v |
Posted - 09 June 2008 : 17:01:15
I found the court staff really helpful and friendly. Didn't look down their noses or make me feel bad. I was really nervous about going but the weight off my mind was worth the worry.
Once you have got your forms and had a look through ask as many questions as you need to.
Feels good to start to take control again doesn't it?
Vicki x |
| skelly |
Posted - 09 June 2008 : 16:50:45
spoke to the people at the court they were realy good and are sending me the forms hope this is a start towards a normal life again |
| abd |
Posted - 09 June 2008 : 16:00:04
Hi
I have similar fears before starting filling my form.Now that I gave it in and has been declared bankrupt,I feel i was worried too much about lots of things among them filling the form.Do not worry get online ,start the form at your pace ,ask questions and you will be allright.
About the help out there wait for the experts to guide you. good luck ,do not worry you are not alone
Abd |
| m and v |
Posted - 09 June 2008 : 15:58:33
Hi skelly - welcome to the forum.
The forms are a bit long winded but not too hard to fill in.
If you want local help theres the Citizens advice Bureau.
I had help through this forum and directly from Brett England (one of the experts on this forum)
Each of the BR assist experts have their own web page links - go through the expert link on the left hand side of the page.
You can complete the forms on line or print them out and do them by hand -whichever is easiest for you.
Hope this helps a little
Vicki x |
