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| mst |
Posted - 13 June 2008 : 20:55:42
I am considering BR but having read numerous forums associated with gambling I wish to be totally honest when filling out the forms.
I used to hold an HSBC current account that I kept open after moving my salary to a Nationwide flex account. I never closed the HSBC account and instead used it to fuel a gambling addiction but as there was no money going into the account I had to keep it topped up by a Cahoot flexiloan account.
I have sinced closed the HSBC account and have stopped gambling from that point. I am unable to find out if this was in the last 2 years as HSBC do not appear to hold any records of this account. I may be able to get this information if I go to the branch direct.
If it turns out that this is within a two year period is it better to go to court and admit this on the forms or try and fob the creditors off with reduced payments until the 2 year period that I have not gambled has expired? I am pretty certain that it is over 2 years ago anyway but I wanted to know how this would be viewed by the court/OR and what the penalties would be for me.
I am more than happy to go to GA as I have been before, the one thing I want more than anything is to get my life in order and not continue to live through the consequences of a gambling addiction. Right now when I buy a pint for myself and my work colleagues I end up hating myself for doing it because I feel like I should be living at home living off pennies and yet I earn over £2000 clear a month.
Any further advice from all those great people who have replied to my previous postings is, as always, greatly appreciated.
mst |
| 4 L A T E S T R E P L I E S (Newest First) |
| Skippy |
Posted - 14 June 2008 : 20:38:47
If you do get a BRU/O you will still be discharged from BR, generally after 12 months, but you will be subject to the restrictions of BR for the duration of the BRU/O.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/ |
| abd |
Posted - 13 June 2008 : 23:50:20
Hi
Iam not sure about the implications if your gambling if within 2 yrs. The overall implications of gambling could be BR restrictions between 2-15 yrs .I had the same worries about the restrictions and still have,but have been told they are not as awefull as they soud,like not taking a loan exceeding 500 pound without declaring you are bankrupt and forbiddden from certain occupational positions etc.I would not like to mislead you regarding them.you need to get the exact list of restriction and weigh them based on your personal case and expectation.the experts can help you with more info about them.
I had my interview this week and still do not know whether will get BRO/BRU or not.One thing is sure ,you will pay only for 3 yrs and after that debt free.the Q of restrictions has been answered in few occation in the forum, have a look,may help to know about.
Abd |
| mst |
Posted - 13 June 2008 : 22:12:49
Many thanks for your post adb. I assure you I do not find any of the advice I have received boring. It helps to hear from people who have been in similar situations and come out the other side of them. I am just concerned if it is slightly under 2 years then I may be penalised as such and if so I want to know the implications. My main reasons for seeking the BR route is a) I never want to get credit b) I want to look forward to the future and not feeling terrible every time I go out for a meal with friends and pay my split of the bill (and when I say go out I do not mean to my pal Mr Ramsey's!). I am prepared to deal with any requirements the court may have just as long as I can see that one day in the not too distant future I will be out of debt and not having to worry about where the next shopping bill will be paid from. |
| abd |
Posted - 13 June 2008 : 21:21:05
Hi mst
My situation was a bit similar,I stopped gambling 2 years ago, when i wanted to file br I checked my statments online and found out that the last date money withdrawn for gambling was exactly 2 yrs ago( for my good luck),so my answer to the Q in the SOA was NO.then I had to explain my debt and talk about my gambling.My thought is that they put 2 yrs for a reason(experts may know),but I think the major thing is what caused your debts and based on that they look into your case ,I think.If you ask me ,there is no restrictions in the world that would have stopped me from filing my BR,even if my gambling was within 2 yrs time.The idea is do you want to radically solve your problem and have a new start? if yes, forget the past and wipe clean.To do that you must look ahead,do what you think is right,life is better on the other side(without the creditors chasing you).
I hope Iam not boring you and manage to give a clear picture of my thoughts.
Abd |
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