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tracy_b
Junior Member
United Kingdom
457 Posts |
 Posted - 14 September 2008 : 11:36:39
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Hi me again,
just trying to fill out the forms online and getting a bit stuck!
1) can you put down general living and bill payments for the reason you used the cards to get into debt.
2)i have listed all the credit card debts in the unsecured creditor bit, do i list them again in the bank and credit/debit card bit!
3)Both hubby and i are on benefits. i have listed where and what my benefits are(Disabled)in the income bit but it doesn't give you the opportunity to state what sort of income is in the other housemembers contribution. My husband is also disabled and i wanted to let them know so they will be a bit more leinient when it comes to the disposable income.
Thanks Muchly this fine Sunday morning!
Tracy, br 9th oOct and counting |
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zamfir
Junior Member
303 Posts |
Posted - 14 September 2008 : 12:02:12
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Hi Tracy, I'm by no means an expert, but I'll try and answer your questions for you.
1) That reason seems fine, as lots of folk get into this situation like that (me included).
2) List the debts in the "un-secured creditor" section, but you must also state the card number/type etc in the "card detail" section.
3) Just put your income (however it's earned) in your "income" section, and hubby's in the "other household members contribution" section. If you feel you want to elaborate about hubby's income, do so in the last section - "more information".
Hope this helps,
T. |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 14 September 2008 : 12:03:41
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Hi Tracey,
I was just about to answer this one but Zamfir is right.
Good luck Tracy
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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John
New Member
United Kingdom
73 Posts |
Posted - 14 September 2008 : 12:04:21
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Hi Tracey
1) Yes if that's what you used the money for.
2) Yes you do need to list them again
3) put your husbands benefits in section 6, where it requests benefits and allowance figures, as these apply to the household. Not just to your own benefits.
If this is his only form of income then his "contribution" should read zero.
WOW! I was a bit slow there!!!
www.Bankruptcyhelp.org.uk
0800 078 9367 |
Edited by - John on 14 September 2008 12:05:14 |
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tracy_b
Junior Member
United Kingdom
457 Posts |
Posted - 14 September 2008 : 12:05:30
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Many thanks T
I just dont want to do anything wrong or miss out any details. I'm doing it over a peroid of time so that i dont get too over stressed.
Thanks again
Tracy |
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tracy_b
Junior Member
United Kingdom
457 Posts |
Posted - 14 September 2008 : 12:08:26
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Thanks John and Jo,
As always very helpful.I get lost in the forms and then get very confused thats why im doing them over a period of time |
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zamfir
Junior Member
303 Posts |
Posted - 14 September 2008 : 12:10:24
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| I was in a right panic when filling out my forms too, but plenty of helpful people on-hand to help. I found the online forms easier to fathom (maybe that's just the 70s ZX-Spectrum child in me!) |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 14 September 2008 : 12:12:22
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Hi Tracy
I know they can seem quite daunting at times but i found doing a bit at a time, posting my questions on here, then adding the info on the forms helped me heaps.
It will all come good in the end and we are here to help and assit when you need it most.
I always say remember your not alone and you never will be. Think of us as virtual friends and we will together get through this. I did, and its thanks to these guys and there great help and understanding, as i asked and still do some daft questions but without this place i would still be struggling with my debts, alone as my hubby would have left me and never come back. these guys gave me confidence and now i know i can do almost anything, and so will you. :-)
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 : 05:14:23
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Hi Zamfir,
Was that the 16k or 48k model? :)
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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