1) Which section do I put a loan under? for example I have a egg loan, the sort code and account number is there main one and I have a seperate reference number?
2) I cant seem to find anywhere to put the total amount on each credit card?
3)On what date do I fill in the balances for each acount because obviously they change on a daily basis and dont go bankcrupt till the 17th Feb?
1) I think, if the egg loan is an unsecured creditor then you need to put it in the unsecured credit section 2) There should be a section for credit card debt amounts
3) If it was me, I would put the balance of now, as you are considering bankruptcy now, and debts change before bankruptcy, for example my car hp has jumped from £2500 to £3k and my Nationwide loan has jumped from £15689 to £16998
1. Loans will be detailsed in section 4 2. Credit cards need to be listed in Section 4 (unsecured) as well as 5.2 3. Try to get the balances as accurate as possible. However, the OR knows they will not be correct to the penny due to daily interest and/or penalty charges.
Julian Donnelly Spokesperson for www.Bankruptcyhelp.org.uk Don't forget the helpline on 0800 078 9367
would i put the mortgage under section 4 too? under secured creditor? if so what do I put for creditor type as there aint an option for mortgage company? and secondly do you need to put a credit card and bank accounts in section for creditors if you have a nil balance?
the answer to the 2nd part of your question is no.
Re the mortgage - yes you should list the details in section 4 (secured). I take it you are not completing the forms manually as I don't recall a column in this section which asks for creditor type.
forms
Posted - 22 January 2009 : 14:33:31
