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bothskint
Junior Member
201 Posts |
 Posted - 05 September 2008 : 16:29:56
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Hi guys, thought i would try again,
My question is about renting. Both my partner & i have been avised by cccs to go BR, we are home oners with neg. eq. so have been looking for rented accomodation.
If we continue to use our current address for all corespondance untill day of BR (even though we will probably have moved out by then) will the letting agent still be informed of the BR?
Very confused about so much stuff right now, just trying to deal with it one thing at a time.
Any help would be very much appreciated |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 05 September 2008 : 18:02:07
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Hi Bothskint,
Im sorry i cant really answer your question as im still learning. I would have thought using your old address will be fine, dont give new address to creditors they dont need to know if you are going BR, that is your address i mean.
With the OR as long as they have contact details that should be fine, i dont know if they contact the letting agent/landlord.
Maybe another expert may have more answers.
I know there are so many things going through your mind, but you will get there, take it as you have said
"One day at a time". :)
And Remember To Keep Smiling
Jo :)
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
You can read my updated blog here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
Edited by - Needafriend on 05 September 2008 18:02:52 |
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bothskint
Junior Member
201 Posts |
Posted - 05 September 2008 : 18:27:18
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thanks again Jo,
You always seem to be there with words of support even when you are not sure of the answer.
will keep hanging around for an answer 
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 05 September 2008 : 22:24:59
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Hi
it seems that the OR historically contacted the landlord to ensure that the rent is actually what you said it was and that there are no arrears.
If you present a copy of the rental agreement - AST - to the landlord it is less likely that they wil contact either the agent or landlord.
I assume that you have stopped paying the mortgage as you will need this money for court fees.
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
www.revivauk.com |
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bothskint
Junior Member
201 Posts |
Posted - 06 September 2008 : 10:17:44
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Hi Paul,
thanks for the reply, we are stopping our mortgage payments as of now & stopping all credit payments too. we wanted to make sure we passed the credit check for the new house.
up till now we have kept up payments by using credit to pay credit!!
If there is a bankruptcy clause in the tenancy, does the OR have a legal obligation to inform the landlord or is it only if there are rent arrears?
really worried that we will move in then get kicked out again as we have not told them our intentions. What if we were to move in then wait till after christmas before going BR therefore the landlord will have a few rental payments & we may be able to save for extra upfront rent should he require it when he finds out??
AAAAAARRRRRRGGGGGHHHHHHH! Driving myself crazy   |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 06 September 2008 : 11:01:05
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Hi Bothskint,
Try not to get too worked up over this you will get there, i do know it is the worst time but its also the best time too as at the end you will be on track for your new lease of life.
I had so many questions and concerns before going BR and now i know i still have questions but its like the grey cloud has lifted and in its place is a nice shinning sun. :)
Your doing what is right for u and yours and when you thought about going BR that was the hardest decsion that you would have made in your life, but to get to that took courage, and finding this site will be a god send to all in the same boat.
I thought at the time i was the only one, but after reading the stories on here i realised i was not the only one and now i can start to rebuild my life not just for me but for my growing family.
Take care and good luck.
And Remember To Keep Smiling
Jo :)
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
You can read my updated blog here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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bothskint
Junior Member
201 Posts |
Posted - 06 September 2008 : 11:08:46
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Thanks again Jo,
Once again, all the right words at just the right time 
I have also just sold my car for £4000. After putting up the BR fees and rental & deposit fees there will be about £1200 left.
I do need some new glasses & we have loads of birthdays this month, is it ok to spend on these things & then would we have to keep the rest to one side for the or as we have sold our only asset?
Thanks in advance for any help |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 06 September 2008 : 11:47:11
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Hi Bothskint,
I am not sure how it would work for using some of the money for that, i would have thought it would be fine, as you can say about it when speaking to the OR.
But tread carefully you have sold an asset prior to BR and the OR may ask more questions about it. Did you sell for less than its worth, as in for a quick sale.
Maybe one of the other experts can shed a bit more light on that as i dont want to say yes ok it will be fine and then find out i have said totally the wrong thing and give conflicting information, which would not help matters.
And thank you for your kind words, i may not have all the answers but i do know how your feeling, it is a very difficult time and you need all the friends you can get.
We are all here for you whenever you need someone day or night. :)
And Remember To Keep Smiling
Jo :)
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
You can read my updated blog here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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renting before BR?
