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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 Sunshine_Girl[/i] [br]Hi I recently posted, saying I'd decided to go for voluntary repossession and have any shortfall still owed incorporated into my bankruptcy. I went bankrupt in August. I'm in negative equity due in part to a large secured loan with Picture. I haven't bought out the beneficial interest in my flat or signed a deed of acknowledgement of debt. According to the Insolvency Service’s website, two OR examiners and the nice man from Reviva UK on this very forum, any shortfall still owed after the repossession and subsequent sale of my property should effectively be written off as a provable debt in my bankruptcy. However, pretty much as predicted, the snotty woman at Picture insists otherwise, saying they have been in contact with their solicitor, who has confirmed that I will still owe the shortfall after the repossession, as it is occurring after I was made bankrupt rather than before. Please advise – I’m sleep-deprivingly worried! SG [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.