| T O P I C R E V I E W |
| flier |
Posted - 11 June 2008 : 15:42:52
My daughter wishes to declare herself bankrupt, she is very ill, receiving Incapacity benefit and with no medium term prospect of this changing and debtors who despite considerable effort will not be reasonable about monthly payments.
My question is, if she uses my address as a correspondence address will this impact on me as I have the same sirname?
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| 9 L A T E S T R E P L I E S (Newest First) |
| JulianDonnelly |
Posted - 16 June 2008 : 12:21:25
Hi Flier,
If you are going BR fairly shortly, then I would suggest ceasing there payments and saving your money. The creditors will (in all liklihood) keep hounding you until after you've gone BR. You're almost there!
Regards
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
| flier |
Posted - 16 June 2008 : 12:05:27
Once again many thanks for the advice.
I will start the process of bankruptcy today.
I would normally make payments to 4 of her creditors about now under arrangements agreed with them, should I make the payments to avoid extra charges? or is this irrelevant? should I write to them to let them know of her bankruptcy application or wait until I have a date for her going bankrupt. Like many on the forum I am worn out with it all so I dont want to do more than I have to, but want to do what is best to avoid further problems. |
| m and v |
Posted - 12 June 2008 : 14:02:38
No I don't think it matters. I did the disassociation and I went BR. Nothing to stop you doing it the other way round.
Flier - the fact that the name is different doesn't make any difference - its any association with finance at the address.
When your daughter goes BR they look back at addresses held previously and include them in the notice of BR so it might not make any difference if you use another address as your address would be mentioned anyway.
Vicki x |
| GARY2 |
Posted - 12 June 2008 : 11:32:22
Does it matter who does the notice of disassociation as long as its done. i.e. father disassocaiates daughter or vice versa? |
| flier |
Posted - 12 June 2008 : 10:49:28
Thanks Vicki
That has given me something to think about. She could use her grannys address where there is a different name, this might be better as granny does not use credit either. But as this is in another county I am assuming she would have to go to the court in that area? |
| m and v |
Posted - 11 June 2008 : 15:59:38
Yes sorry - there's Call Credit too.
Vicki x |
| Tikka |
Posted - 11 June 2008 : 15:59:06
I printed off a form from one of them, cant remember which one for my BF to fill out and send off to dis-associate himself from me. |
| kboy33 |
Posted - 11 June 2008 : 15:55:52
When you say credit ref agency do you mean Eqifax & Experian? Just that when i declare BR i'm gonna have to get my other half to write off and disassociate themselves from me. |
| m and v |
Posted - 11 June 2008 : 15:52:32
Hi flier - welcome to the forum
Sorry to hear your daughter is having a tough time.
You can contact each credit reference agency and complete a notice of disassociation - this disassociates you from any of your daughters credit and her BR.
This should protect your own credit rating.
Hope this helps
Vicki x |
