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grant59
Starting Member
United Kingdom
25 Posts |
 Posted - 02 March 2009 : 22:38:00
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Is it worth paying the £350 for assistance with the BC forms, they do look quite complicated.
Also I was a compulsive gambler before joining GA. I have since been told that I may be forced to be bankrupt for longer than 12 months, is this correct? I did see a question regarding Gambling on the form.
Any help appreciated.
Grant |
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 02 March 2009 : 23:11:59
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Hi
its to my understanding, that if you have a major addiction which has caused your debt, i.e gambling then the judge can refuse to make you bankrupt. You have to show that you are making steps to rectify it, for example GA which you are doing, counselling, psychotherapy, liasing with your GP, Moving to a managed bank account so that you cant overspend steps like that.
If your debt was incurred in the last 6 months due to gamblingg then they can do a BRU on you
Stu J Byron |
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MrandMrs
New Member
United Kingdom
99 Posts |
Posted - 03 March 2009 : 00:48:07
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As someone who has used Reviva, I can honestly say that they were worth every penny and eased so much of the stress involved.
working towards the first day of the rest of our lives |
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Melanie.n
forum expert
United Kingdom
1282 Posts |
Posted - 03 March 2009 : 08:32:40
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Hi there
it is all down to personal choice, the forms and process have been devised for people to file their own petition in bankruptcy, however some people prefer assistance through the process. If you feel apprehensive regarding the forms the Citizens Advice Bureau offer a form completion servie free of charge. Paul at Reviva offers a full service including if necessary attending the court and OR's with you if you ahve a face to face appointment, though a face to face appointment is rare unless you have been trading (in business) It is all down to your own particular choice - you do not need help or assistance but there are providers out there if yo feel you do - and we will help with any queries you may have so you will not be 'alone' even if you decide to not pay for the service
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
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grant59
Starting Member
United Kingdom
25 Posts |
Posted - 03 March 2009 : 09:52:59
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[quote]Originally posted by sjbyron
Hi
its to my understanding, that if you have a major addiction which has caused your debt, i.e gambling then the judge can refuse to make you bankrupt. You have to show that you are making steps to rectify it, for example GA which you are doing, counselling, psychotherapy, liasing with your GP, Moving to a managed bank account so that you cant overspend steps like that.
If your debt was incurred in the last 6 months due to gamblingg then they can do a BRU on you
Stu J Byron
Thank you for answering my question, I don't know what BRU means though.
Thanks
Grant |
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Melanie.n
forum expert
United Kingdom
1282 Posts |
Posted - 03 March 2009 : 11:19:12
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BRU refers to bankruptcy restriction order which if the OR feels the individual warrants it can apply for a BRO which will extend the bankruptcy to a period of usually around 3 years if gambling was deemed a contributory factor.
Providing you have joined GA and are continuing to seek help there is no reson for the District Judge not to make the bankruptcy order, but be prepared your bankruptcy may not end after 12 months - it all depends on the decision of the OR -none of us here on the site can state what that will be
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
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xmas baby
Average Member
537 Posts |
Posted - 03 March 2009 : 11:43:39
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I think I'm going to have to stop looking at this site until after my court hearing tomorrow as I keep reading replys which are making me more nervous than ever.
The earlier notice about the judge refusing those with gambling addictions is a worry. My main debt is due to gambling and I am resolved to getting a bro/bru. However, I am undergoing counselling, not with GA but with the National Health Service. Would the judge look favourably on that? I have already started the counselling and I am determined to overcome this addiction. I also have no facilities to obtain future credit and have set up a basic cashminder account with the co-op. Do you think the judge will still accept my petition for bankruptcy? I am so worried now.
xmas baby |
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grant59
Starting Member
United Kingdom
25 Posts |
Posted - 03 March 2009 : 13:38:23
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quote:
Originally posted by xmas baby
I think I'm going to have to stop looking at this site until after my court hearing tomorrow as I keep reading replys which are making me more nervous than ever.
The earlier notice about the judge refusing those with gambling addictions is a worry. My main debt is due to gambling and I am resolved to getting a bro/bru. However, I am undergoing counselling, not with GA but with the National Health Service. Would the judge look favourably on that? I have already started the counselling and I am determined to overcome this addiction. I also have no facilities to obtain future credit and have set up a basic cashminder account with the co-op. Do you think the judge will still accept my petition for bankruptcy? I am so worried now.
xmas baby
Can you let me know how you get on please, I am about to fill in the forms and go through the exact same thing as yourself and knowing the outcome will help ease the pain I am going through at the moment.
Many Thanks
grant59 |
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Topic |
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Is it worth paying the £350 for assistance
