| Author |
 Topic  |
|
chick1983
Starting Member
United Kingdom
9 Posts |
 Posted - 03 April 2009 : 10:00:21
|
So action plan is (is this right?!)
1. Open cash mider account and re arrnage all direct debts, and move as many as possible into partners name.
2. Only give details of accounts that I owe money too, don't include Sky, BT etc?
3. Save the money to declare!
|
 |
|
|
sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 03 April 2009 : 19:45:30
|
Hi
I would stop money going in from your account from your partner.
Benefits can be used to calculate an IPA, they used mine (SSP) and I didnt get one.
Why dont you open a joint cashminder with your partner?
Detail the reason why you are changing accounts on your SoA
Declare the tax credits as your income.
Best of luck
Stu J Byron |
|
|
|
chester2005
Average Member
United Kingdom
786 Posts |
Posted - 03 April 2009 : 20:57:17
|
Yes i would open a cashminder account , you will have to declare it on your forms but when you go BR tell the OR you need the COOP account for your benefits and the chances are so long as you don't owe the COOP anything the OR will say he hasn't got any interest in it.
As long as Sky etc will be happy to carry on providing a service to you when BR and you don't owe them they should be no problem.
If they did cancel any contracts after BR and wanted paying for the full term you could declare it to the OR then and say you forgot about it and didn't owe them at the time.
Dave
Don't worry or know that worrying is as effective as trying to solve an algebra equation by chewing bubble gum.(Baz Lurman)
Life's too short!!! |
|
|
|
sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 04 April 2009 : 11:10:20
|
Hi
I would put Sky BT and TMobile on your unsecured creditors as balance of 0, and would detail on your reason for bankruptcy that these accounts are still open and the companies havent given a decision of whether they will allow you to keep the account or not. That way it wont look odd to the OR at the time of BR.
Stu J Byron |
|
|
|
Jane.l
Average Member
511 Posts |
Posted - 04 April 2009 : 11:35:11
|
| I did not put these companies in the unsecured creditor section, I just listed them on the I&E as a monthly expenditure and did not tell them I was bankrupt |
|
|
|
John
New Member
United Kingdom
73 Posts |
Posted - 04 April 2009 : 12:04:37
|
Hi
whilst I see where sjbyron is coming from in that to list Sky and BT confirms they will be included if each supplier refuses to continue I'm with jane on this one if your preference is to continue the Sky and BT accounts if they allow (which I'm sure they will).
If either were to terminate your agreement your verbal request to the OR to add these as creditors later would be perfectly acceptable to him and definitely included in your BR as the contracts were taken out before the date of bankruptcy.
To include them from the start may just prompt contact from the OR that otherwise may not have been made at all.
John White
England Jackman & Spacey |
|
|
|
Jane.l
Average Member
511 Posts |
Posted - 04 April 2009 : 12:13:33
|
| yes, we did not have Sky but we had BT and Vodafone contracts and car insurance, I did not put them as a creditor, just a monthly expenditure, and the OR never informed the companies so I didn't and we have just continued to pay them monthly as before |
|
|
|
Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 04 April 2009 : 20:35:23
|
I had a contract with Vodafone (still have it) and I never listed it as I didn't owe them any money and as I wanted to keep the contract I didn't want them informed of the BR.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
22 IPA payments made, 14 to go - on the home straight! |
|
|
|
John
New Member
United Kingdom
73 Posts |
Posted - 04 April 2009 : 21:29:16
|
Hi
another issue being if you list SKY / BT / Mobile contracts as creditors on your SoA when you would prefer to keep these things going, then I would assume any future payment is preferential.
Either they are a creditor or they're not.
Best to leave them out unless you want them to cease.
John White
England Jackman & Spacey |
|
|
|
Topic |
|
What will happen to me?
