| T O P I C R E V I E W |
| Cakietin |
Posted - 10 October 2008 : 14:06:21
Hi everyone,
My husband and I are on benefits due to his disability. We need to go bankrupt and have applied to various trusts (British Gas and Severn Trent Water) to pay our BR fees with no success (apparently they are swamped with applications). We now need to find a way to raise the fees ourselves. If we tried to save the money it is probably going to take 12 to 14 weeks maybe more with Christmas on the way. The only option that we have considered is borrowing money from the Social. That way the repayments are taken straight out of our weekly benefits before we even get them. The main concern I have with this option is that it may be frowned upon as it will be seen that we are getting into more debt.
Can anyone advise me if this option is viable?
Many thanks,
Amanda |
| 15 L A T E S T R E P L I E S (Newest First) |
| Jo. |
Posted - 25 October 2008 : 10:28:18
I will , Thanks:-)
Jo
Forum Adviser on behalf of:
www.bankruptcyhelp.org.uk
Tel: 0800 078 9367
You can read my blog for other information here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
| Cakietin |
Posted - 24 October 2008 : 18:58:36
You too.
Amanda x |
| Jo. |
Posted - 24 October 2008 : 18:55:33
Hi Amanda
I know how you feel but it wont be long and then you will be wondering what all the fuss was about.
Have a great weekend. :-)
Jo Nye
x
Forum Adviser on behalf of:
www.bankruptcyhelp.org.uk
Tel: 0800 078 9367
You can read my blog for other information here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
| Cakietin |
Posted - 24 October 2008 : 18:54:10
OK Jo I will do that. Seems silly but I can't wait until we finally do the deed! I'm sick of the phonecalls and horrible letters! |
| Jo. |
Posted - 24 October 2008 : 18:49:25
Hi Amanda
Put the last value you had when your just about to submit and print.
The OR will get clarification from the creditors when they contact them so they will get the right balance.
Try to have a look through old loans etc if not have a think and see if you can get a rough guess on the dates the debts were taken out.
Just add on section 13 that all the amounts are estimates and also the dates are estimates also.
Best of luck
Jo Nye
x
Forum Adviser on behalf of:
www.bankruptcyhelp.org.uk
Tel: 0800 078 9367
You can read my blog for other information here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
| Cakietin |
Posted - 24 October 2008 : 18:33:02
Hi Jo
Yes I have already started filling them in online...been doing it bit by bit. Do I put the current balance of my debts as they keep increasing with fees etc? Also some of the dates I'm not too sure of. Should I guess and say that it is a guess?
Thanks for any help.
Amanda |
| Jo. |
Posted - 24 October 2008 : 18:05:54
Hi Amanda
Thats great news. Let us know when your date is and if we can help with the form filling in.
I dont know if your aware but they can be done on line.
Best of luck
Jo Nye
x
Forum Adviser on behalf of:
www.bankruptcyhelp.org.uk
Tel: 0800 078 9367
You can read my blog for other information here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
| Cakietin |
Posted - 24 October 2008 : 17:57:09
Hi everyone
Just an update. We have today had a letter confirming that our social loan was approved so we can now go through with the bankruptcy. Hooray!!!
Thanks for all the helpful advice and support I received from everyone here.
Kind regards,
Amanda |
| JulianDonnelly |
Posted - 12 October 2008 : 14:42:57
Best of luck!
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
| Cakietin |
Posted - 12 October 2008 : 13:52:35
Cheers Jo ;) |
| Needafriend |
Posted - 12 October 2008 : 11:53:23
That goes for all the forms not just the one for the Social Loan. :-)
Jo x
Your Mother Hen :-)
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Mother Hen's New Debt Free Life with Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
| Needafriend |
Posted - 12 October 2008 : 11:52:37
Hi Amanda
It will.
As for the forms just post any questions about them and we will try and help you out.
Best of luck to you Mate!
LOL
Jo x
Your Mother Hen :-)
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Mother Hen's New Debt Free Life with Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
| Cakietin |
Posted - 12 October 2008 : 11:41:35
Hi Jo
I'm filling in the application today...so fingers crossed it goes through ok.
Enjoy the rest of your weekend.
Amanda x |
| Needafriend |
Posted - 11 October 2008 : 20:25:09
Hi Amanda
I too think its pathetic that as we are struggling to pay our debts we have to find the fee which is just so high.
Anyhow at least Julian answered your question at last, see i told you it would work.
Have a great weekend.
LOL
Jo x
Your Mother Hen :-)
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Mother Hen's New Debt Free Life with Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
| Cakietin |
Posted - 11 October 2008 : 20:13:00
Hi Julian
Thanks for the advice. We have to apply for joint fees but it's only £345 each. I know we don't have to pay the full £495 as we are on benefits but like you said it is crazy that you still have to pay some much when you are already struggling to make ends meet!
Kind regards,
Amanda |
