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indy2005
Junior Member
458 Posts |
 Posted - 20 May 2008 : 19:48:10
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Hi,
Went BR yesterday and am worrying now that I may have a credit card (with nothing owing) floating about in the ether somewhere. I dont physically have the card, and they havent sent any statements for 2 years so I forgot about it. It is only when looking at which creditors I paid off 2 years ago with 65K from the house I saw "Natwest Mastercard". I cant remember if its active, or if I cancelled it...but I didnt put it on the SOA as I owe nothing on it.
Am I in trouble or should I just mention it in the interview?
Also....I am a secretary on a dormant company my eife started. I was only added as secretary as a convenience, and my wife sent off a 288a (or is that b) form on Friday to have me removed as secretary. Should I have mentioned this in the SOA and is this going to open the company up to scrutiny (we didnt keep records.....wasnt worth it really as the website never took off).
Finally...should I be contacting my creditors and telling them I am BR now? I havent done as I assumed they would all find out soon enough.
Regards
i |
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melanie_giles
Senior Member
1191 Posts |
Posted - 20 May 2008 : 19:53:57
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A quick call to NatWest ought to determine whether there is a missing card or not.
You can still act as a Company Secretary when your are bankrupt, but this hardly matters if the company has ceased trading.
The OR will contact all of the creditors, so you do not need to do this.
For an informal chat about any financial difficulties, or advice as to the options available, I can be contacted via my website - www.melaniegiles.com |
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indy2005
Junior Member
458 Posts |
Posted - 20 May 2008 : 20:10:51
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Thanks,
So I am not looking at a month in WormWood scrubs for missing a card off the SOA!
Regards
i |
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melanie_giles
Senior Member
1191 Posts |
Posted - 20 May 2008 : 20:13:18
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I had a client recently who got 250 hours community service for missing 14 credit cards off her statement of affairs, so that perhaps puts it into perspective!
For an informal chat about any financial difficulties, or advice as to the options available, I can be contacted via my website - www.melaniegiles.com |
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indy2005
Junior Member
458 Posts |
Posted - 20 May 2008 : 20:15:14
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I dont even want 1 hour thanks!
I assume the 14 had money owing! |
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melanie_giles
Senior Member
1191 Posts |
Posted - 20 May 2008 : 20:18:34
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Only approximately £26k she had "forgotten" to tell me about!
For an informal chat about any financial difficulties, or advice as to the options available, I can be contacted via my website - www.melaniegiles.com |
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indy2005
Junior Member
458 Posts |
Posted - 20 May 2008 : 20:19:13
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thx
on the phone to Natwest! |
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Helpful Advice
Average Member
United Kingdom
646 Posts |
Posted - 20 May 2008 : 22:02:38
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Hi Indy,
I had a client who went Bankrupt with £270k worth of debt by the time the Trustee had finished the investigation the debts were far in excess of £500k.
He ended up with a 7 year Bankruptcy Restriction Order.
I wouldn't worry about the one creditor especially if they were not owed anything
Kind Regards,
Brett England
Bankruptcy Specialist
England,Jackman & Spacey
WebSite www.ejands.co.uk
View my personal story & blogs at:
http://brettengland.blogs.bankruptcyhelp.org.uk/ |
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Forgotten card and other things
