What debts are allowed on Bankruptct petition

AnnesWitterings

Hi

I have my appt with CAB to fill in Bankruptcy petition papers on Aug 5th and my appt at court on Aug 21st

Can I put C/Tax arrears and Council Rent arrears on the bankruptcy forms.

I am subject to a suspended reposession order on my flat provided I pay my full rent and £5.00 p/w off rent arrears.
Im off work at the moment on a 13wk sicknote and am doing battle to get I/S or IB I have been passed around different depts since making my claim on July 2nd they say because I get £42 pw WTC I have to live on that.

Im frightened that if they refuse my application for HB and C/Tax Ben
I will breach my posession order and give them grounds to evict me I am just managing to pay my £5.00 off the rent arrears.

I have the bailiffs trying to get in to do a walking posession order because c/tax has gone to court and liability order granted against me, they have put it on hold for 7 days till the result of my IB or IS claim is looked at again.

I have Bi Polar recentley diagnosed and have a CPN from local CMHT who is completley useless everytime I try to discuss my debt problems and explain how the harassment and calls and letters are making me feel worse he just says CAB will deal with that.

I was going to move in with my partner but thats not viable as I would lose any WTC or IS given to me.

Sometimes I feel like diving off a cliff edge other days I think sod it lets deal with it.

So does C/Tax and Rent arrears get wiped out along with all the other debts? oh for a fresh start.

I can deal with my IS or IB claim because Im off sick and must surely be entitled to something

Any imput would be helpful

Many thanks

Anne

lazyfox

I went bankrupt on the 15 july 08 and in my debts were c/tax and rent arrears.They have all gone now and god it is a hell of a relief.Do what i did go to C.A.B. or ring debt helpline and they will help you a hell of alot.They were a god send to me . They will also tell you about other benefits you are entitled to that will help you get through this.Keep posting on here as there are many people in your postion and are a great support.Keep your chin up and go bankrupt for a fresh start.I have and now i feel the best i have felt for more than 10 years. Good luck .:D

AnnesWitterings

hi Lazyfox

Thanks for your reply, woke up this morning and am feeling better I just kinda lost the plot last night.

I am so looking forward to Aug 21st and my Bankruptcy appointment,getting the fees togethers been another nightmare but Ive done it Ive just got to lodge the form at court about exemption for court fees tommorow then thats the expensive part over.

Im hiding out at my partners place till this is all over. its lovley not to have the door bell ringing and being frightened about who is coming up the path.

Im still doing battle with the DWP, I am sure Im entitled to IS or IB they just keep telling me Im not so am appealing. I also dont think Im entitled to WTC, as I reduced my hours to 16 in January 2008 and told them and repeated it again in my renewal pack and they granted me £42 p/w from then. Community Legal Services Direct sorted it but they insist that Im entitled to it, so Im using that to live on for the next month, then when Im Bankrupt they can bloody well sort it out, no doubt another vast operpayment looming(can WTC overpayments go on Bankruptcy).

CAB money adviser says Im well up on what to do with my debts (thanks to this site:T )

I wish I had stayed at work and just struggled through but it was getting too much and even though Im struggling financially Im seeing this through to the end.

I had one nosey do gooder friend say how have you managed to get nearly £500 together to go bankrupt???:eek: :eek: :eek: So told her in no uncertain terms come and look at my kitchen Ive sold my cooker/washing machine and big fridge/freezer and settees to do it, she soon scuttled off.

Ive gotten 2 lovley armchairs of Freecycle and a microwave and I`ll manage, its a case of having to.

Anymore input would be just fine thanks

Anne



I tick all the boxes for incompetancey with money

blueopal5577

... you are entitled to a crisis loan to deal with living expenses, and in some circumstances rent whilst you are waiting for benefits to clear.

Only problem is you do have to pay it back (although at a reasonable negotiable rate) Apply at jobcentre plus and if you do so in person, they can often give you the money the same day. Anything up to £1000.

blueopal5577

(not eligble to declare in bankruptcy)

AnnesWitterings

Hi Blueopal

I asked for a crisis loan on July 2nd when I had my first week with no wages, but due to me having WTCs of £42 pw they refused.

Im still battling to see if they are going to top up WTC with IS or IB and until I have my income confirmed the council wont accept my H/B or C/Tax Ben application though they have said they will back date it till my claim started by issuing me with an intention to claim form.
Ive supplied all forms except an absolutley up to date building sociey statement which the building society wants £10.00 for:eek::eek: :eek: so the council will have to make do with the free print out they sent me. I dont have £10.00 to spare or throw around at the moment.

Thanks for your imput.
Anne

Purplekylie22

Hi Anne,

i rang the concil as I have a letter of proceedings on my flat, I said that I am going banckrupt and what happens then... She said that the rent arreas are included and I start again from a blank slate - they cant evict me for arrears when I dont have any as they have been included in bankcrupcy!

I would ring your council and ask them to put yourself at ease, Aberdeen City council were very helpful to me.

AnnesWitterings

postman finally turned up at 1 pm

ive got Income Support:j :j emmm wait a minute further reading its for £2.77p gods sake do none of these government depts ever listen or read your application forms or info provided.

so here we go again..I get the above because I get £57.88p WTC.....so they say, I actually get £42 and have proof of that on bank statements which they have copies off.

oh and now because Im off sick the CSA have kindly decided that I can reduced the amount I pay to £5.00 per week phew thank goodnesss ..uh oh keep reading CSAs letter and another £5.00 of the arrears Ive built up whilst on the sick ....arrears they caused by taking so damn long to assess any reductions.

Im entitled to £60.50 pe.

r week whilst off sick, no Incapacity because I have not paid enough


Nat Ins contributions so Income Support instead.

Next letter on the pile from my council lady and public enemy No1 she loves me not..Annie you go bankrupt on the 25th August but in the meantime Im going to go ahead and ask for your suspended repossession order to be squashed and out you go reason being you have not paid any rent from July 2nd...course I havent you insensitive twerp Im waiting for a Housing Ben/C/Tax decision from your lot. Ive paid the agreed £5.00 per week as agreed just no rent as I have no bleedin money to pay for it:mad: :mad: .

Ooh another letter WTC,,we have stopped your WTC with immediate effect due to you working only 16hrs a week( been telling them that since Jan 2008:mad: ) and we calculate that there will be an overpayment (I know that and a BIG BIG one) which will have to be paid back (yes I know that too) and will you furnish us with copies of your last 12 months bank statements, they can naff off Im not paying £10.00 for copy bank statements they can have photcopied printouts.

In the local council office they bang on about how they cross reference with all gov depts C:mad: SA, T:mad: ax,DWP:mad: etc so how come all my info is not up to date and incorrect is it just me alone or am I invisible???
No wonder the fraudsters have a field day in this area cause all the depts must not be speaking to one another( mind I wouldnt blame them I wouldnt like to talk to them either insensitive twerps)

So we enter month 2 of the Annies Witterings quest for some financial help whilst of sick, its enough to make you sick enough to go back to work.

Thank goodness my bankruptcy date Aug 25th is looming and Ive managed to get my fees together.

Scuse my foaming at the mouth witterings on but Im sick and tired of not being heard.

Oooh now next door neighbour has just told me her son who is on drugs, doesnt work, and works cash in hand and has 3 kids by diff mothers got a £150 crisis loan last week on the same day he applied for it..right that does it Im off to rant politley ofcourse down the phone at DWP again...this is like Groundhog day so here we go again and again


Bye Im losing the plot here ,,,will update my witterings and escapades on Monday bye all x

blueopal5577

Know that feeling, when I was ill and needed incapacity benefit I had to wait 3 months, while the guy in the flat above worked a 50hr week cash in hand, claims benefits and takes 6 taxis a day to town rain or shine, town being 8 minutues away so he can go to the bookies. The flat opposite? A heroin addict born to a mother who claimed job seekers all her life until retirement. He has had 3 crisis loans which he repays at 3pence and 2 peanuts a week, and his mother gloated on ME when the rent arrears chap called on me because i couldnt pay as i was off work scared of my own shadow from anxiety, AND with glandular fever, and she saw it in the communal area. "My boys always up to date"... or course he is. He always doesnt live there, he lives with her (what a waste of a housing association flat?) and he sub lets it to 2 people, and pays their council tax with his benefit.

Yet my application for a crisis loan to get a 2nd hand bed was refused. Hmmm. The more honest you are, the more they screw you over.

AnnesWitterings

hi Blueopal

Blimey sure you dont live by me

The postman this morning : a giro cheque for £12 mmmm now what should I spend it on nowt

Im going back to work Monday but at lunchtime Im taking said giro cheque folding it up into an a paper aeroplane and its going to land on some DWPs desk with the message keep it and thanks for nowt...

Ive had enough....now Ive got to find another £150 to pay the rest of my court fees as I will be earning too much for any help with them.Whats become of this country...Ive worked solid since I was 17. This is the first time Ive ever claimed anything and I get treated like Im some kind of leper with a begging bowl ...so sod em...I`ll do it on my own and hold my head up.
Seems like theres no place in this world if your genuinely ill and need help, fiddle lie cheat and pretend and the worlds your oyster.

Thanks for reading my rant lol ..no postman tommorow so double rants Monday night lol :rotfl: :rotfl:
Bye:hello: :hello: :hello:

fiveyearplan

I've just filled in a form for WTC and CTC and one thing that kept me from doing it ages ago is because of all the stories I've heard of people being overpaid and then having to pay it back. it seems that it is such a confusing system which is why no one knows how much they're entitled to therefore they don't know if they've been overpaid or not.