| T O P I C R E V I E W |
| rombonie |
Posted - 10 October 2008 : 09:15:16
Hi I've very nearly completed the forms but just got a little stuck with Section 4, when listing the creditors and listing credit cards, It asks for the date incurred? being a credit card and that the debt as built up over time, what date do you give? It also ask what the debt was for? is credit card debt an acceptable answer?
many thanks D |
| 15 L A T E S T R E P L I E S (Newest First) |
| Needafriend |
Posted - 10 October 2008 : 14:33:11
Hi D
Its up to you if you want to tell them i did not some did.
Its personal choice and as your only 3 weeks away i doubt if it will hurt even if you did.
Best of luck to you and yours :-)
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/ |
| rombonie |
Posted - 10 October 2008 : 14:31:11
Great will have a look later now, got to get the kids.
I was unsure whether I should be telling my creditors that I am doing this? or at what stage at least should I be telling them?
cheers D
|
| pix1 |
Posted - 10 October 2008 : 14:30:47
rombanie,
go to this link for various expenses. it is the official insolvency service link which the OR's use to assess I&E;
http://www.insolvency.gov.uk/DocumentLibrary/Policy/Excel/Household%20Expenditur.xls
|
| Needafriend |
Posted - 10 October 2008 : 14:25:12
It is slightly outdated seeing as now utilities are so high but have a look then post on here what you have thought for your I&E and we will help you go through it.
Best of luck
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 - 10 October 2008 : 14:24:14
Hi yes there is one on my blog.
Have a look.
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/ |
| rombonie |
Posted - 10 October 2008 : 14:23:13
Thanks To all of you. Appiontment made 21days to wait, that'll be a long 3 wks.
I know this has probable been asked a million times but as they seem to change, can anyone point me in the right direct for a guide to outgoings that are currently allowed?
thanks again D |
| Needafriend |
Posted - 10 October 2008 : 13:27:48
Hi i would just wait and see what the OR asks for when they call or write to you and like pix has said you dont need to take anything with you to the court just you the form and the fee.
Best of luck
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/ |
| pix1 |
Posted - 10 October 2008 : 13:05:51
copies of latest statements should be alright. |
| pix1 |
Posted - 10 October 2008 : 13:04:05
they won't need any paperwork on the day of the petition but they will need you to send it in according to instructions they give you when you have your BR order. |
| Needafriend |
Posted - 10 October 2008 : 12:56:07
Hi D
The OR tends to ask for about the last 12 months and if you can and still have any your loan agreements and also any utility bills to clarify what you put on your I&E, if you dont have some of it dont worry the OR can get it themselves.
Best of luck to you
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/ |
| rombonie |
Posted - 10 October 2008 : 12:42:25
Thanks for the info. I am not taking it lightly as i'm sure you can well imagine, I have spent alot of time trying to avoid this but I seems to be the route now. Spoke to several different people about this and they all concur. Just trying to make sure that all is correctly completed and that i make the best of a bad situation
Any idea what kind of paperwork they will need to see? i.e. how far back? etc
thanks in advance
D |
| Needafriend |
Posted - 10 October 2008 : 12:13:48
Hi Rombonie
Have you spoken to anyone about your pending BR as our helpline are there should you need them, the reason i ask is like Pix has said its a serious step to take and you need to be aware of any other options that may help you.
The number is free and its 0800 078 9367
Best of luck to you
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 - 10 October 2008 : 12:11:28
Hi D
I also put an approx date when the cards or loans etc were taken.
Some i could def remember but others not so i just put what i could remember and put a note to say approx.
Hope that helps oh and a warm welcome to you.:-)
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/ |
| pix1 |
Posted - 10 October 2008 : 11:44:54
I put down the approx. date I took out the credit card. Be as accurate as you can but remember the main thing is to list as much detail as you can. You are likely get a telephone interview in a few days or weeks so if there is anything you forget you can add it in later. In fact, you can write to the OR at any point during your BR with relevant information pertaining to it. You may well find that the court is quite friendly and the OR office will be too. Nevertheless, BR is a serious step. |
| rombonie |
Posted - 10 October 2008 : 09:22:53
Also in part 7.1 expenses, is it the box at the bottom where you list other expenses?
thanks again D |
