Filling in my BR Forms

neverletitgetyoudown · 1 September 2009 at 9:55AM

hi all,

Just trying to filling the BR forms

first question

when it asks date obtained can that be a rough date as im not sure when i took out cards etc.

i don't really want ring the company's and ask either

Im sure there will be loads more questions to come

thanks all

fiveyearplan · 1 September 2009 at 9:58AM

Yes you can estimate the dates.

neverletitgetyoudown · 1 September 2009 at 10:01AM

fiveyearplan wrote: »

Yes you can estimate the dates.

thank you

its all abit scary filling these forms in

a few weeks/months back i seen someone post a site where you can get your local courts details tel number etc does any one have in??

fiveyearplan · 1 September 2009 at 10:14AM

Here it is....
http://www.hmcourts-service.gov.uk/

neverletitgetyoudown · 1 September 2009 at 10:18AM

thanks five year plan

do you have any idea what i say when i ring them is it just i want to give in my BR forms??

i so scary of doing the wrong thing

thanks so much for your help

another question in the employment history part under the the income section it asks How much do other members of your household contribute each month to the household expenses.

Also house hold members do I need to put my dads details on here??? will it have any affect on him and my step mum???
don't really want to put his details on the forms if i can help it

I don't know I live with my dad and pay him money each month.

also in the section 11 Cause of Bankruptcy shall i tell them that its starting to affect my health i.e feeling worried and down about the whole situation or do they not want to know that.

thanks for any replys

neverletitgetyoudown · 1 September 2009 at 4:43PM

Can any one answer my questions please

fiveyearplan · 1 September 2009 at 6:21PM

When you ring the court ask what the procedure is. They may operate an appointments system, if that is the case ask for an appointment. If they operate a drop in service ask what times etc. Either way ask how many copies of the forms you need to take with you and anything else you might need to know. Some courts require 3 sets of forms other only one.

Causes of bankruptcy - write it down and post it on here for guidance - you'll get a lot of advice on what to write so just make a rough draft.

I don't remember the question about other household members.

Fill in the SOA and post it here as well for guidance.

Don't worry you'll get there!

neverletitgetyoudown · 1 September 2009 at 6:52PM

thanks for the reply

heres a rough draft:

Around 2 and half 3 years ago I split from my ex partner and left the home that we owned after a lot of consideration and discussions with the mortgage lender I was advised by them to voluntary sign the house over to them. I did this and they advise that they would sell the house and then get in touch with me on what would happen next around the beginning of august 2009 I was contacted by Metropolitan collection services who advise me that there is a mortgage short fall I am struggling with bills as it was and I just cannot afford to replay this it seems that the bank has sold the property for around half of what the price I paid for it. I have also spoke with the national debt line since finding out about this and the advised that the only option would be Bankruptcy . The worry of everything is really starting to affect me

cheers

philnicandamy · 1 September 2009 at 6:57PM

Hiya sjg....sounds not too bad BUT the receiver likes £'s (figures) and rough dates to things...

neverletitgetyoudown · 1 September 2009 at 8:04PM

philnicandamy wrote: »

Hiya sjg....sounds not too bad BUT the receiver likes £'s (figures) and rough dates to things...

thast what i was thinking but then though they are all in the forms anyway

neverletitgetyoudown · 2 September 2009 at 10:45AM

here goes abit worried cos its showing - at the end

im staying with my dad and pay him each month

and im not sure of the apr so didn't put it in

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 992
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 992

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 300
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 40
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 200
Clothing................................ 20
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 50
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 10
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
CSA..................................... 139
Total monthly expenses.................. 759

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Mortage Short Fall.............37436.....0.........0 NOT PAYING AT MOMENT
2nd Mort Short Fall............31306.....0.........0 NOT PAYING AT MOMENT
Catalog........................2162......90........0
Credit Card....................200.......6.........0
overpayment from old Job ..........4400......10........0
Catalog........................724.......50........0
Store card.....................547.......55........0
Loan...........................1603......35........0
Loan...........................5053......80........0
Total unsecured debts..........83431.....326.......-

Monthly Budget Summary
Total monthly income.................... 992
Expenses (including HP & secured debts). 759
Available for debt repayments........... 233
Monthly UNsecured debt repayments....... 326
Amount short for making debt repayments. -93

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -83,431
Net Assets.............................. -83,431

Created using the SOA calculator at https://www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using other browser.

Just rang the court and i have never been so nervous in all my life not even when i was in the army was i ever that nervous!!!

Made my appointment for the wed the 23rd Sept and 8.45am

i need to calm down now!!!

Filling in my BR Forms

Comments

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free