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althepostie
Starting Member
United Kingdom
2 Posts |
 Posted - 19 May 2009 : 15:52:38
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hi all, i think i will declare myself bankrupt, things have got way out of control, i have debts that are all unsecured i.e loans and credit cards. i now live with my partner but all the debts are in my name only. my partner no longer works due to an illness. how do i find out my monthly repayments to my crediters as i have not paid any of them for over 6 months, will the OR ask why i am paying all the household bills?? my partner gets some benefits but not alot. any help and advice will be great i need it as i feel a bit worried about it all
many many thanks Alan |
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Suzanne
Average Member
United Kingdom
869 Posts |
Posted - 19 May 2009 : 16:19:33
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Hi Alan
Do you have any of your old bank statements or cheque book you can get the figure from. If not, it won't matter too much if you can show you have been unable to pay them for the last six months.
If you live in a rental property it won't make any difference to the OR if you are paying the bills because you partner can't work, and presumably she is contributing what she can. It would only make a difference if she owns the property and you may be seen to be accruing a beneficial interest.
Suzanne Stocker
Bankruptcy Manager
Jones Giles Ltd
www.jonesgiles.co.uk
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 19 May 2009 : 16:21:10
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Your monthly payments aren't normally asked for as it is the total amount owed. You can find out the monthly payments from old bank statements if you paid them by DD. The total amount owned can be found out from one of the credit reference agencies (Experian/Equifax) as it should be listed on your credit file.
If you haven't been paying the loans/CCs for 6 months then the debts would probably have been handed off to debt collection agencies and these will normally send you a letter with the amount outstanding once they take over the debt.
You should also get some professional advice either from the CCCS, CAB, National Debtline or by selecting the 'experts' link on the left hand side of the page to speak to one of the professionals that frequents this board. |
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althepostie
Starting Member
United Kingdom
2 Posts |
Posted - 19 May 2009 : 20:21:09
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hi thanks for the replies great advice, we live in a rented house so it wont be a problem goimg on what you said. i'll dig out all my paper work and get the amounts from there, i have a application which i will look through but looks very scary  i'll speak to an expert to clear up and worries i have thanks again alan |
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knowing my monthly outgoings??
