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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by jenny[/i] [br]can somebody please give me some advice, my oh went bankrupt in august 2008,he has just been offered early discharge, great for him but as all debts were in ohs name except motgage, and secured loan,i then became liable for all utility bills, council tax etc, which at the time were in arrears, so i then had to make arrangments to pay them,oh became quite poorly in 2008 which was the start of our problems i then injured my back which resulted in me having to give up my well paid job, we have just managed to get benefits sorted out just before xmas, first time ever in our lives had to claim income support, and incapacity, we have ppi on our mortgage but they have refused to pay out on oh saying it was pre existing condition, have tried to appeal but no joy there, they have made spasmodic payments towards mine,i had missed 3 payments on our secured loan and they took us to court in dec for repossession, i agreed with the judge to make a payment each month,and also a little of the arrears, now that the benefits had been awarded, however the loan company has now sent us a letter informing me that they are going to charge us £120 while the account is in arrears that is more than our monthly payments and the extra payments together, so i have now come to the end of the line and made an appointment to go bankrupt myself early feb.i have the following questions 1, if i miss the next payment to the loan company can they just come and throw us out or send in the baliffs. 2, going to move middle of feb and hand in the keys to the mortgage company is that enough time or would it be better to hand the keys in before bankrupcy. 3, as we are going to be moving out of the area would the or have a problem with that as hopefully if i have timed things right it would only be a few days after the hearing the only debt i have is the current utility ones,the secured loan, and the shortfall on the mortgage, i thought i could manage to pay things and struggle through, but now realise that its impossible and rather than get any deeper in debt want to sort it now, any advice would be gratefully recieved [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.