I have a few more BR questions I was hoping somone may be able to help me with:
1. Forms - is it easier / quicker to complete the forms online or paper format? If you do them online, what do you do with them once completed? Email them to your Local Court?
2. I think I will try and set a date to go to Court early Sept. 2009 - I have not paid my Creditors for 2 months now. I need another month's pay to get the BR fees. Will I be able to put off paying them for another month? One of them is getting a bit nasty now - threatening to take me to Court and they have already transferred my debt to a Debt Collection Agency.
3. Once you are actually BR, how much contact do you then have with the OR?
4. Does the OR inform your Landlord and Employer that you are BR. I work for a Local Authority and live in rented accommodation.
5. I have just opened 2 Basic Bank Accounts wit Banks unconnected to my Creditors - will I be able to keep these new Bank Accounts?
I think that's it for now - I look forward to your replies!
If you fill the forms in on line I guess you can just amend them as you go along as oposed to having to rewrite them. I believe you still have to print them to take them to court.
You should be OK to wait another month as long as you can put up with the chasing.
Once you are BR you will have an initial chat with one of the adminstration staff. You then get a letter with your appointment date for either a face to face or telephone interview. Once that has been conducted, you probably won't have much further contact with the OR except for a few letters here and there for more info.
The OR will normally contact your landlord just to confirm that there are no arrears, but would not contact your employer as a matter of course.
You should be able to keep your new bank accounts as long as the bank are happy for you to do so. The OR has no say in this, it is down to the banks.