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Needafriend
Junior Member
United Kingdom
344 Posts |
 Posted - 30 October 2008 : 11:09:15
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Hi Turborat
Just reading your post and i wanted to add in about no4.
I completed mine and my OH's SoA and he only read it the day i printed it off.
He knew of everything just not willing to do the forms as he tends to leave that side of things to me. It wont be a problem, make sure that she reads it and agrees it before going to court and also for when you have the Interviews.
My OH at the time of the interview was a little vague as i dealt with most of the finances etc and so i answered nearly all the questions prior to him coming on the phone. The OR was happy about that and it all went quite smoothly.
As for Paypal i would list that if you have any funds in there, i did not list mine as i dont keep money in mine i only use to buy and not to sell so dont receive anything. I did mention on section 13 that i used ebay and paypal for offers and to keep my kids in clothes etc as we had minimal money and i also needed books etc for uni.
The bit about your landlord as long as you can prove that you have no arrears etc then you should be ok, but i stress that you should look at any contract and see what they say. If there is something on there about BR then get someone to make an anomymous call to them and find out what the state of play would be, most landlords are happy as long as they get there monies.
If you want exact dates then call your creditors, i juts wrote to the best of my knowledge on mine and then added a note in section 13 to say that these are all estimates including the dates and amounts and subject to change.
Hope this helps and best of luck
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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turborat
Junior Member
289 Posts |
Posted - 30 October 2008 : 12:41:40
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Thanks again folks.. So much info it is doing my head in!!!!
Hopefully within the next week or so I should be there!! Then we can arrange going to court.... big step!!!
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turborat
Junior Member
289 Posts |
Posted - 30 October 2008 : 12:43:22
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Another quick question for today!
Should we hand our keys back to the mortgage company before or after we go BR as the house has been empty now for 2-3 weeks? |
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 30 October 2008 : 13:12:56
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Hi
if you have already moved out there is no harm in handing back the keys.
This would allow the mortgage company to market the property earlier and potentially have a smaller shortfall. Thus lowering the debt.
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
For a Free Impartial Review before taking the leap call me @ Reviva UK
www.revivauk.com |
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turborat
Junior Member
289 Posts |
Posted - 30 October 2008 : 13:33:24
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Thanx Paul,
I take it I just post the keys back with a letter. What should the letter contain?
Thanx |
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turborat
Junior Member
289 Posts |
Posted - 30 October 2008 : 13:46:17
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I just found this quote in our tenancy agreement..
"11 Enforcement of Obligations
11.1 If at any time during the Tenancy:
The Tenant fails to pay the rent or any part of the rent for more than 14 days after payment is
due;
The Tenant fails to observe or perform any Agreement or obligation under this Agreement;
The Tenant becomes bankrupt or enters into a voluntary arrangement with his creditors;The Tenant leaves The Property vacant or unoccupied without The Landlord or The Agent
consent;
Then The Landlord will be entitled to take immediate steps to recover possession of The
Property from The Tenant by issuing proceedings for possession in the appropriate Court or
Tribunal. In the event of The Landlord taking this action this will not alter any other rights or
obligations within this agreement unless the Court or Tribunal rules otherwise."
Do we notify them ASAP or wait until we have a date with the courts? I am now worried we may be kicked out after only a few weeks!!! |
Edited by - turborat on 30 October 2008 13:46:51 |
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turborat
Junior Member
289 Posts |
Posted - 31 October 2008 : 09:02:27
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| Any ideas on the last 2 points anyone? Thanks |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 31 October 2008 : 09:08:58
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Hi Turborat
Re: Tenancy post!
It looks to me like a standard letter/agreement. They have to do these in all cases and at this moment in time i would not worry about it.
I would as i think i suggested before make an anonymous call and ask about any clauses and what would happen if after a tennancy has started and the tennent was made BR what would happen.
I would also like to add that as long as they are getting their monies and you are a good tennent then in this current market beggers can be choosers and to have an income from a home is better than to leave it.
Give them that anonymous call, i would:-)
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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Edited by - Needafriend on 31 October 2008 09:09:54 |
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turborat
Junior Member
289 Posts |
Posted - 31 October 2008 : 10:57:04
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Thanx, really appreciate the advice.
I know I asked before but what should I include in the letter to the mortgage company regarding sending the keys back as we will be doing this before going BR? |
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Needafriend
Junior Member
United Kingdom
344 Posts |
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John
New Member
United Kingdom
73 Posts |
Posted - 31 October 2008 : 13:13:56
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Hi turborat
just to clarify, whilst the rental agreement lists the conditions including those regarding bankruptcy, it does not state that you are required to inform the landlord in the event.
In my experience, and in the present climate, landlords are interested in one thing, receiving the rent on time. I have yet to hear of one evicting the tenant purely based on the tenants insolvent status.
www.Bankruptcyhelp.org.uk
0800 078 9367 |
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kazy1
Junior Member
United Kingdom
120 Posts |
Posted - 31 October 2008 : 13:45:29
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Hi regarding the handing back of the keys i informed northern rock of my intentions they sent out a form which just asks for the address and that you understand what you are doing the date you intend to go.Once you leave the property you LEAVE the keys behind and they change the locks. hope this helps
kazy1xxx |
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turborat
Junior Member
289 Posts |
Posted - 31 October 2008 : 14:38:38
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Thanks evryone.
So I should write to all my creditors or just the mortgage company? How should I put the letter as I am useless at that type of thing !!! |
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Nat
Junior Member
367 Posts |
Posted - 31 October 2008 : 14:46:57
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Hi TR
Do you mean writing to your creditors to advise you are going BR? If that's what you mean I wouldn't bother unless they're really on you rback for payments, it's just another thing to do that's not really necessary.
Have you contacted your court yet to set a date yet? If you haven't and you want to keep things going as smoothly as possible it might be an idea to book a date as some are quite booked up (at least you know you're not the only one in you area!!). It might feel a bit daunting but once i had set my date it was something to aim for, also makes it feel very real. Just a thought thats all.
Nat |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 31 October 2008 : 14:52:07
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Good thinking and good adivice Nat.
Thanks
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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Topic |
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Forms advice?
