Help! Im making myself bankrupt!

romy22

the phone is £50 to bt inc. internet and £10 payg mobile. my contract with bt ends in november and im going to try and get it cheaper when the contract ends. My daughter isnt getting haircuts at the minute because her hair isnt long enough but probly will be in 6 months or so. shall i include it?

romy22

I have a couple of debts that have been passed over to another company should i put who the debt was originally with or the new company that it's been passed on to?

shadowdragon

Put hairdressing down, I put the originator of the debt down on my forms, not the DCA, although after I declared BC and the OR wanted stuff I just threw the DCA letters in the envelope too.

fermi

romy22 wrote: »

I have a couple of debts that have been passed over to another company should i put who the debt was originally with or the new company that it's been passed on to?

Have you got a copy of the guidance notes on filling in the Statement of Affairs?

Link: http://www.insolvency.gov.uk/pdfs/forms/debtorsguidance.pdf

The address of the bank or supplier should be available from your last statement. Where the debt has been purchased or taken over by another firm provide the name of the original supplier, e.g. Barclaycard, but the name and address of the company which has taken over the debt collection.

RAS

Holiday - you are allowed a cheap holiday. Can't remember the amount but stick in £30 per month at the moment.

MOT or is that in servicing ?

romy22

I've included mot in servicing. is £20 ok or shall i put more? Also i'm in a dmp with cccs ive put on the form that i entered into an arrangment but i havnt put anywhere on the form that its with cccs and they deal with some of my creditors. shall i put it on the form or tell the OR at the meeting? I havnt spoke to cccs about making myself bankrupt cos im ashamed that after all their help ive still gone and got myself into such a mess. shall i inform them or let the OR do it when im bankrupt?

Rainbow_Butterfly

shadowdragon wrote: »

Put hairdressing down, I put the originator of the debt down on my forms, not the DCA, although after I declared BC and the OR wanted stuff I just threw the DCA letters in the envelope too.

Hmm.. I put the DCA on the forms as I asked on the phone to the court and they said to do this. Which is the right way of doing things? xx

fermi

Rainbow_Butterfly wrote: »

Hmm.. I put the DCA on the forms as I asked on the phone to the court and they said to do this. Which is the right way of doing things? xx

Where you are asked for the creditors name, the best thing seems be to be to put down the original creditor followed by whoever is collecting the debt in brackets.

Where it asks for an address you should always give the details of who is currently collecting the debt so that the OR knows who to contact.

It can always be double checked in any interview.

romy22

I'm off to work now. Hope you all enjoy your day and thanks for the advice. If anyone has any more advice please post it I'll be back on tomorrow. Thanks again x

peachyprice

Hi Romy,
Your gas seems really high, does that include arrears?