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JAH
Junior Member
United Kingdom
213 Posts |
 Posted - 07 October 2008 : 12:58:30
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Hi Everyone,
Well, DDay is fast approaching - Monday 13th at 10.00 and 10.15 am at Bham Court. From the experience on here it is not so much this I am worried about but the OR meeting. Anyway, we don't have a choice so can I have some last minute advice on the forms please.
1. We have a Barclays bank account (joint). Has anyone any experiernce of Barclays letting them keep it (I know they accept undischarge BC but I would appreciate advvice from anyone who already had an account with them.
2. We have a Barclays bank account for our daughter which my husband set up. Do we declare this in the Bank ACcount section - it has £300 in it and I would hate for the OR to take this as it is hers - not ours.
3. Section 8.2 (asking about secured lending on the house) also asks "What insurance is in force and what is the expiry date". Sorry to sound thick but is this household insurance, ie buildings and contents - it has already asked about Life Insurance?
4. Finally, we have a secured loan on the house (although quite large) and the house is in negative equity. We would really like to try and keep the house, although I do know this is down to the discretion of the OR. My question is, do I still put the possible shortfall in the Unsecured Creditors bit.
I know I have said before but this site is a godsend - I can't believe how many people are in the same position. I NEVER want to see credit ever ever again. I have loved spending "my" money the last few months, knowing that I don't owe anyone for the shopping I have just put away~! Hindsight is a wonderful thing........!
Jayne x |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 07 October 2008 : 13:50:09
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Hi Jayne,
Well, to answer your many questions ...
1. This is entirely at your own bank manager's discretion.
2. What name is the account in?
3. Buildings and contents.
4. If the house is not subject to reposession proceedings and you intend to keep it that way, then secured lending only goes in the secured section. Any negative equity will remain after BR.
I trust this answers your questions.
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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Almost there - last minute form advice please!
