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cleanfreshstart
Starting Member
United Kingdom
21 Posts |
 Posted - 05 October 2009 : 21:08:54
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The weeks seem to be passing by very quickly,
I just wanted to check that I'm doing the right things in the right order.
We now have the money for our Bankruptcy fee's,
Have the money for the rented accommodation and removal costs, we have passed the credit checks, but have not informed the Estate Agents that we are planning BR. Should we/do we need to/how would they find out?
We are planning to go BR on Thursday. should we wait, although don't want to include our new address in the BR.
Move in to our rented property on Friday and pay the deposit.
With the rest of the money over from cashing in the Sun Life Policy I was going to leave this money in the current account for OR to take control of and transfer my salary into our new CO-Op cashminder account to ensure we have our basic needs.
Do you think the above is sensible, only problem might be is if we have to pay the deposit to the rented accommodation by card, won't the OR freeze our bank account?
Any advice would be most greatful?
Thanks
Rob |
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 06 October 2009 : 08:34:56
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Hi
if you go br after you have moved then you will need to include the address on the statement of affairs. this means that the or will write to the landlord / agent.
ideally you need to petition while at the current house, while moving a day or two later
Paul Johns
Bankruptcy Specialists
Reviva UK
www.revivauk.com
Real People ..... Real Debt Solutions |
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 06 October 2009 : 09:24:50
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Hello cleanfreshstart,
On the address front, I agree with Paul.
If the tenancy agreement is signed and they find that you are BR, the agent will not be pleased - they could say you obtained the tenancy by making a false declaration - a slim chance they could bring the tenancy to an end (It would be an act that I would never have done as an agent, but you cannot risk it)
Petition whilst you are stull at your current address and then move
Good luck - you will have to tell the OR that you have moved, but that could be a week or so later and the chances ar they will not contact a landlord at at that stage.
Richard
"There are no problems - only solutions..." |
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cleanfreshstart
Starting Member
United Kingdom
21 Posts |
Posted - 06 October 2009 : 19:48:47
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Thanks for your reply's, they are much appreciated, my heads all over the place at the moment!!!!
I've got my days mixed up, we have to go to the court tomorrow as they don't deal with Bankruptcies on Thursday's, I'm sure they said it was Wednesday, glad I checked.
Richard - I guess what your saying is I should come clean with the agent and tell them before I sign. If I leave it a week before I tell the OR would that matter.
Another question I have is that the money for the rent is in my bank, I don't owe the bank any money, but won't the OR freeze the account. I do have a CO-OP cashminder account waiting for me to use but how will I gain access to this money for the rent deposit? I'm now panicing on what to do next.
I spoke to my bank and they said I can go in and withdraw the money at 9:30 but I need to be in the court before then? Can any one advise, will the OR allow me to gain access to the money?
thanks again for the advice.
Rob |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 07 October 2009 : 16:58:05
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Is the rent money in the Co-op account? If not then you should withdraw it before you declare BR as this account will be frozen.
Even if the money is in the Co-op account I would probably withdraw it just in case. Co-op accounts aren't normally frozen but there could always be a first time. |
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Even closer to my BR
