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andrew.m
Junior Member
United Kingdom
335 Posts |
 Posted - 12 September 2008 : 20:28:12
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what the heck do i put for the date the debt was incurred, loans i can do, credit cards im at a loss?
is account reference the card number?
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 12 September 2008 : 20:31:43
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Hi
The account reference number is the long 16 digit card number.
If you are unsure when you opened the account you can write and ask the bank and they are usually very helpful.
You kay however be better identifying when the debt occured rather than when you took out the credit card.
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
www.revivauk.com |
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andrew.m
Junior Member
United Kingdom
335 Posts |
Posted - 12 September 2008 : 20:41:30
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| im at a loss as to what you mean, they have been ran up over the past 8 years, what do i put? |
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 12 September 2008 : 22:03:43
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If the debt was a loan then the date you put down is the date the loan was taken out.
If the debt is a credit card then put down either the date of the major problem OR he range when the problem occured.
Example :-
You took out a barclaycard in 1980 and the debt was built up from 2001 - 2007. The card has not been used in 2008 because you reached the credit lmit etc.
Here I would put 2001 - 2008.
hope that helps
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
www.revivauk.com |
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andrew.m
Junior Member
United Kingdom
335 Posts |
Posted - 13 September 2008 : 12:49:19
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thanks,
paul |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 13 September 2008 : 14:14:45
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Hey Andrew
How are you. Are you starting to get through all this BR lark?
Jo x
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
For links to help with Bankruptcy, useful web pages and also a run down of my new debt free life, both before and after Bankruptcy, then please visit my blog:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 13 September 2008 : 14:38:19
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Hi Andrew,
If the card/loan etc was taken out within the last 12 months, try to be as accurate as possible with the date. If it's over 12 months old, the rough month/year will suffice.
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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andrew.m
Junior Member
United Kingdom
335 Posts |
Posted - 13 September 2008 : 16:13:26
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hi,
im ok, nearly finished my paperwork ready for tuesday!!! |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 13 September 2008 : 16:55:45
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Hi good luck for tuesday, you will be fine. :-)
Jo x
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
For links to help with Bankruptcy, useful web pages and also a run down of my new debt free life, both before and after Bankruptcy, then please visit my blog:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 15 September 2008 : 04:45:54
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Hi Andrew,
I hope all goes well.
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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step 4 unsecured creditors, help!
