All Forums  New Questions  Forum Questions  Hello, any advice re BR would be fab! Thanks :-)

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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 Becs[/i] [br]Hello All! Just re-registered after a few years of burying my head in the sand .... (it just felt so comfortable at the time!). Wishing I'd had the strength to get things sorted sooner, but hey, guess we've all been there [:)] FINALLY got my act together and made a BR appointment for the 10th Feb. Feels a bit scary still though! A couple of questions, 1. I have already had my old bank on the phone today about my O/D facility having gone over the agreed limit, I have set up a new account with Co-op (Cashminder) and re-set all my priority D/Ds with them, also I have arranged for my salary to be paid into my new account on Friday. I know there is some conflicting advice about doing this pre-BR, but I was panicking about my rent being paid out on time. Anyway, my question is; should I have told Natwest that I am about to go BR? I just said I would go into the branch and put some cash in to cover the shortfall. But if I did this would I be paying a creditor, when I shouldn't be? And secondly on the day before my BR apointment should I withdraw any remaining cash from the Co-op account, or leave it there and hope the account is not frozen, or is only frozen for a few hours? 2. Do I now not pay any of my debts and if contacted say I have a BR appointment on the 10th Feb? 3. Should I still pay my Student Loan (I am confused about this and BR)? 4. I have a joint mortgage with an ex who knows about my pending BR and will go down that route himself at a later stage. The property is in neg equity and we tried to hand the keys back to the building society last November but they re-arranged a half payment until March with my ex who still lives there. As this is clearly not currently an asset will the shortfall be included as part of the BR even if it cannot be sold within the 12 months of the BR? 5. Any advice from anyone on what to put in the 'Reasons you are in debt' section of the statement of affairs? 6. Will the OR request sale of CD's and DVD's and musical instruments? Sorry for the long post ... am feeling really positive, but so so scared it'll go belly up and I find myself in a worse position than i am now! Oh and I wrote my car off yesterday, so off work nursing many cuts and bruises but feel lucky to be alive, which I think has prompted this 'getting it sorted' urge I am feeling today! (Car is through work, so not an asset ... well not an asset to anyone except scrap metal merchants at present!). Thanks! [:)] Becs [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.