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Thehitman1977
Starting Member
United Kingdom
23 Posts |
 Posted - 13 October 2008 : 22:09:03
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Hi All
Thanks for your help on answering some previous questions, i just wonder if you could help me with a couple more:
1. When i speak to the OR, how will he view household bills and what will happen to these (e.g. electric, gas etc.) My ex-partner has her name on some of these bills even though they mainly come out of my account. She earns a lot less than me every month but will she be held 50% accountable?
2. A few weeks ago I canceled my mortgage payments, credit card payments and a loan payment which i took out for my car but i have not cancelled any of the utility bills or SKY etc. will this be viewed as giving preferential treatment to creditors?
Any help you could give would be great.
Hitman. |
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siobhan
New Member
United Kingdom
66 Posts |
Posted - 13 October 2008 : 22:52:37
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| I have done exactly the same, so fingers crossed it's right! (re no. 2) |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 14 October 2008 : 07:21:17
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Hi Hitman
Paying your utility bills is essential living and wont be frowned upon by the OR and its not classed as preferential treatment either.
Jo x
Your Mother Hen :-)
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Mother Hen's New Debt Free Life with Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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Thehitman1977
Starting Member
United Kingdom
23 Posts |
Posted - 14 October 2008 : 20:30:06
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Thanks Jo
If i owe some money on the utilities bills and my partners name is on them as well, will she be accountable for half or will it all be written off under my name?
Hitman |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 14 October 2008 : 22:36:09
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Hi Hitman
I will need to double check that with regards to the bills being in joint names, bare with me and i will find out and get back to you.
Jo x
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Needafriends Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 15 October 2008 : 13:38:47
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Hi Right i have looked into this and wit regards to the utility bills it goes a little like this:
If one party were to go BR, then the other party is liable for 100% of the debt.
Sorry but thats how it works im affraid.
Jo x
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Needafriends Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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Thehitman1977
Starting Member
United Kingdom
23 Posts |
Posted - 16 October 2008 : 12:21:11
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| Thanks Jo - would 50% of the balanced owed, be written off into my total bankruptcy amount though? |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 16 October 2008 : 12:37:32
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Hi Hitman
Seeing as the other party being your ex is also on the bills then she would end up with the whole debt to pay.
I know thats not what you wanted to hear but thats how it works. :-(
Sorry that i cant be the bringer of good news.
It's the old issue of joint and several liability, im affraid. Soz
Take Care
Jo x
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Needafriends Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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Topic |
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how will OR view husehold bills?
