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| Christina85 |
Posted - 21 June 2008 : 16:34:03
Hi Everyone,
Just a couple of questions about filing for BR.
We have cancelled our DD’s etc and are in the process of saving up to move into rented accommodation. We have found somewhere to rent (we are moving out of the area, meaning that we are also going to change jobs). So we will use our wages before we go to pay for the deposit, rent, moving costs and living expences untill we get paid from our new jobs.
This means that we won’t be able to file for BR until maybe a month or so after we have moved.
My question is do we put the new address and outgoings for the rented property on the BR forms, even though our debts were incurred at our mortgaged property?
I feel nervous about this because our outgoings will be lower than what we are paying on our mortgaged property.
The house we will be renting is a 3 bed detached, but is the only one we could get as we could not go though an agent as we did not pass the credit checks.
Will the OR say that we are paying too much rent for a house that is too big for just 2 of us? ( our mortgaged property is also a 3 bed?).
Also will the OR definitely tell the landlord that we are BR? We feel that this could affect the chances of having a long term let, as we ideally do not want to have to keep moving every year or so.
I would appreciate any advice or experiences that anyone has had, sorry that I have rambled on!
Thanks again
Christina
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| 6 L A T E S T R E P L I E S (Newest First) |
| JulianDonnelly |
Posted - 22 June 2008 : 13:14:19
Best of luck!
Regards
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
| Christina85 |
Posted - 22 June 2008 : 12:43:23
thank you for your suggestion. Hopefully the OR will not feel that they need to tell the landlord if we show them the tennancy agreement.
If they do, then I guess we will have to explain- after all everyone needs somewhere to live!
Thanks again for eveyones help! |
| JulianDonnelly |
Posted - 22 June 2008 : 11:23:11
Thanks again Paul!
Regards
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
| Reviva UK |
Posted - 21 June 2008 : 21:51:48
Hi the AST is a tennancy agreement ( assured shorthold tennancy).
My suggestion is to ask the Official Receiver not to contact the landlord and provide a copy of the ASR to the official receiver. This way he cn confirm you actually pay what you said you pay
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
www.revivauk.com |
| Christina85 |
Posted - 21 June 2008 : 20:42:43
hi Julian,
Many thanks for the reply, sorry that I rambled on!
Just to clarify, is an AST a tennancy agreement?
If we some how managed to save the BR fees before we moved, would the OR still have to tell the landlord when we did move?
Thanks!
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| JulianDonnelly |
Posted - 21 June 2008 : 20:16:48
Hi Christina,
Well, where do I start?
When completing the SOA, it deals with your circumstances as at the date you are BR, so yes, put the new address (and expenditure) details on your SOA.
With regard your rent, as long as you've signed an AST, the OR can't make you do anything that would put you in breach of your tennancy.
The OR will inform your landlord, in case there are any rent arrears to be taken into consideration. As long as you keep paying the rent, your BR should have absolutely no effect on your tennancy.
Regards
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
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