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| T O P I C R E V I E W |
| dazed and confused |
Posted - 13 November 2008 : 16:08:39
Dear Forum
Hope you are all well!
Sorry, I have a couple more questions I was hoping someone may be able to enlighten me on:
1. When I go BR, is the OR likely to want to speak to my housemate regarding our agreement for the payment of rent / bills etc. I currently pay most of the rent / bills and then he pays me the his share back. All of this info. is evident on my Bank Statements so they should be able to see it all from there. I would prefer if my housemate was left out of it if possible.
2. Would the OR need to contact my Landlord if I could show to them that all our rent payments are up to date?
3. How much worth of Bank Statements does the OR need to see? Dating back 1 year? 2 years?
4. Is a Bankrupt person allowed to accept gifts or money once BR from family members e.g. at Christmas would a family member be allowed to give a BR person a cheque for Christmas, or would it be better as cash?
5. I have read somewhere about someone being able to buy BI - does this only apply to houses or would it apply to other items, such as a 'Rental Agreement' on a bicycle?
Sorry for so many questions - my brain is working overtime!!!
Thanks in advance |
| 2 L A T E S T R E P L I E S (Newest First) |
| dazed and confused |
Posted - 13 November 2008 : 20:44:59
Hi pix1!
Thanks for your reply!
1. Should I not put down the money which my housemate gives me and then the total I pay? This way I am being more 'open' with the OR and the figures would 'add up' better.
2. My rent is £575 p/m - I pay it all and my housemate pays me back £287.50.
3. Ok - I have most of my Bank Statements but not all of them.
4. No, I was not thinking huge amounts - maybe £100 maximum.
5. Yes it is a Bike to Work scheme through my Employer. I am slightly worried that the OR may try and claw back the money I have paid into it, so was wandering if this is the case whether someone else, like a family member, would be able to pay back what I have paid to the OR?
Cheers!
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| pix1 |
Posted - 13 November 2008 : 19:01:22
1. probably not. just put down your share of the rent/bills on your petition. the OR will probably not query your figures unless they sticks out as unreasonable (search the Insolvency Service website for info about allowable and not allowed expenses).
2. your landlord is unlikely to want to contact your landlord unless, as above, the amount you are claiming as a figure for your rent is unreasonable. this assumes your landlord is not listed as a creditor in your bankruptcy. remember, BR is a confidential matter and the OR will not contact people unnecessarily.
3. wait for your OR interview and see what the examiner asks for with regard to bank statements. you do not need to provide them on the day you go BR. only needed later, perhaps.
4. a BR should declare anything he/she receives whether cash or cheque or whatever. obviously, if it is cash it is on your conscience whether to declare it. possibly if it is, say, £20 or £30 it is not particularly important but if it is £10000...well, that is pretty significant!
5. not sure about whether that might apply to a bicycle rental agreement (quite a few people on this forum seem to have bike rent agreements in place). if this agreement for the bike is through your employer I must advise you that they might be more likely to know about your BR than if you do not have any rent agreements. |
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