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pix1
Average Member
689 Posts |
 Posted - 13 December 2008 : 18:16:25
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John,
I agree with you that there is a possibility of a bru/bro in our friend, xmas baby's, case but hopefully she won't. In no way to i want to get someone's hopes up unnecessarily.
By the way, do you think it makes sense that sometimes people will try to hide certain things on their petition, e.g. gambling, and it may be true thet the OR will frown upon people more if they are not upfront?
To xmas baby,
the examiner will go thorugh your petition line by line, probably over the telephone and so you will be able to see it coming, so to speak, when he/she gets round to the section on gambling.
Strangely, the question on the form says words to the effect of 'have you LOST money gambling in the past two years?' anyone who has gambled on telephone or online should print out their account transactions for the past two years and make an exact calculation of what they have actually lost. i also really think that going to gamblers anonymous to show that it is something you don't want to repeat will stand you in good stead with the OR.
I hope i am not sounding too much like a lecturer and it is just my natural concern to try to be of help. |
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John
New Member
United Kingdom
73 Posts |
Posted - 14 December 2008 : 12:05:27
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Hi pix1
yes I would agree that taking steps to overcome a gambling problem such as seeking help through GA would go some way to show the OR that one has recognised there is a problem and that it is being addressed.
I would also agree that if the OR uncovers deliberate attempts to hide things such as transfers undervalue, undisclosed funds, undisclosed assets, gambling and the like then there are likely to be repercussions. After all, these acts are not in themselves criminal, but having sworn an oath and signed an affidavit to hide them from the OR could be deemed criminal if proven.
However, I would say this, I wonder how many BRU's / BRO's there would be if everyone was 100% honest as to their conduct prior to BR. I would hazard a guess that the 2% figure would rise quite dramatically. The fact is if it can't be proven many do not disclose all.
In that way BR (or at least the dealings with the OR) is similar to any other legal issue - innocent until proven guilty.That's the essence of the British justice system.
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Hello,I am scared to declare myself bankrupt
