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jenny
Junior Member
United Kingdom
189 Posts |
 Posted - 10 January 2009 : 21:11:21
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hi, was wondering if anybody can offer me any advice, my oh went bkt last august 2008, and has just been offered early discharge, this is now where my problem lies, we have a mortgage and secured loan on the property, and in negative equity, the company who we have the secured loan with took both my oh and myself to court in dec for repossion, it was adjourned and we made an arrangement to pay a small amount each month off the arrears, however the company are charging me an addional amount of £120 per month for being in arrears, which is more than my repayments, i have decided that i have no alternative than to go bankrupt myself, as i am now solely responsible for mortgage and loan also all utility bills which were in ohs name, i am trying to get everything fine tuned at the moment, have decided to hand in the keys to the property, because oh been ill all last year. start of our problems and then i had to give up work as well due to injured back etc,then had trouble with ppi failing to pay out on ohs policy for mortgage and only made spasmodic payments to mine and now find ourselves for the first time ever on benefits, my appoinment for bankruptcy is early feb,we are going to move out about the middle of feb my questions are
1, would we have to leave before i go bankrupt?
2, as we are moving out of the area would the or have a problem with this
3, as i have made a payment to the loan company in jan 2009 would this go against me
4, if i dont make the next payment to the loan company before i go bankrupt, can they come and throw us out on the streets
sorry if some of this doesnt make much sense, my head seems to be up my backside at the minute and one minute i think im in control then realise that im not many thanks |
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wondering if anybody can offer me any advice
