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marieal
Starting Member
8 Posts |
 Posted - 18 April 2009 : 20:39:38
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| Hi do OR look at bank statments when going bankrupt? |
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frosie90
Junior Member
285 Posts |
Posted - 18 April 2009 : 21:02:41
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Hi Marieal,
The OR will ask for 12 months worth of Bank Statements, Credit Card statements and any loan agreements you have. If it is a telephone appointment you will have to send these prior to the date. I have got my OR meeting the week after next so will know more then.
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John
New Member
United Kingdom
73 Posts |
Posted - 18 April 2009 : 21:21:31
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Hi
yes bank statements and credit card statements are scrutinised by the OR as his duty is to establish where the monies raised through credit has been spent.
John White
England Jackman & Spacey |
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marieal
Starting Member
8 Posts |
Posted - 18 April 2009 : 22:17:19
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Thank you both of you can you let me know frosie90 please! also does anyone know if you are a guarantor for someone on a mortage and the person who is gurantor goes bankrupt what will happen to the person you are guarantor for, can they be chased for any money?
thanks
marieal
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frosie90
Junior Member
285 Posts |
Posted - 18 April 2009 : 22:44:21
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Hi Marieal, yes I will let you know how the OR meeting goes. I am no expert but as far as I know a person who has a guarantor is not liable for any monies owed by the guarantor only the other way around?
Keep posting on this site, you sound like you have a lot of worries and concerns and I have found the site invaluable. Makes you realise that you are not alone.
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marieal
Starting Member
8 Posts |
Posted - 18 April 2009 : 22:56:45
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I will keep posting, thank you so much frosie90 you have been a real help, yea my head is going round in circles dont know what to do for the best.
marieal
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frosie90
Junior Member
285 Posts |
Posted - 18 April 2009 : 23:21:37
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| No problem. Looking at your previous posts not sure what stage of BR you are at? But the biggest hurdle jumped. I found the realisation, acceptance and subsequent action of doing something about my situation was the best thing I have ever done. Will be quite a bumpy ride I am sure but one for the best. |
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marieal
Starting Member
8 Posts |
Posted - 18 April 2009 : 23:47:05
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well i am no where near at moment, but trying to sort everything out first make sure i know what im doing its doing my head in, its great that your court date is over, wish it was me good for you,
im dreading it! |
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frosie90
Junior Member
285 Posts |
Posted - 19 April 2009 : 00:02:37
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Hiya Marieal,
It might be helpful to look at previous posts, not just active ones,(you may already have done this) for example open up people's names and will give you the opportunity to read historic posts. It might give you a real objective view of things and experiences. You will be able to follow everyones' trials and tribulations. Even though I think I got it sussed think of loads of stuff to ask. Good luck. |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 19 April 2009 : 10:42:42
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If you have a look at my blog I've written about pretty much everything that's happened to me from going into my IVA to now.
Although going BR is a scary thought, it's not actually as bad as you imagine. It meant I could move on and my life changed for the better.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
22 IPA payments made, 14 to go - on the home straight! |
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markm
Junior Member
United Kingdom
115 Posts |
Posted - 19 April 2009 : 10:50:48
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Hi All. xX 
I just wana say... I read skippy,s blog just the other day...
I think anyone in IVA or BR... To read it... is a n would be a great help... To anyone...
I enjoyed reading it... Even though there was a few sad days n times init... 
My Regards Always lil Shaza. xX
markm. xX |
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marieal
Starting Member
8 Posts |
Posted - 19 April 2009 : 12:10:30
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I just want to thank all of you for your coments, did any of you use the experts to get you through your bankrupcy or did you just do it all your self?
marieal
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mick1972a
Junior Member
235 Posts |
Posted - 19 April 2009 : 12:14:42
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| Hi Marieal I cant speak for everyone but I have just used this forum. There is always someone around to help and the experts always help to |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 19 April 2009 : 12:19:14
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I did it myself as I'm far to mean to pay for a BR company!
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
22 IPA payments made, 14 to go - on the home straight! |
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frosie90
Junior Member
285 Posts |
Posted - 19 April 2009 : 14:27:22
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Hi Marieal,
I like Skippy did it myself. Was daunting but this forum helped massively. A tip would be to make sure you go with someone to court as it helps to have someone next to you sorting out your paperwork and having a sound mind!!! I initially got advice from CCCS with a view to trying an IVA but found BR was my best option. Good luck with whatever you decide. |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 19 April 2009 : 14:55:44
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I agree with Frosie - if you can take someone with you for moral support then it's much easier. I took my boyfriend, and admittedly we argued when we got lost on the way to court, but it was still nice to have someone there.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
22 IPA payments made, 14 to go - on the home straight! |
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Topic |
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do OR look at bank statments when going bankrupt
