Considering bankruptcy, SOA

So_Sad_Angel

Hi Anna....there should be an insomniac thread on the BR board!!!

Anyway not sure about HK I thought it was about £160 for one so £250 may be deemed reasonable.

Sue - I noticed from the SOA that no broadband/internet....is this included in BT ? If not then do you/your son need it for work...if so its worth adding something in there.

Angexx

Anna39

it was about £160 for one so £250 may be deemed reasonable.

No way - do not scare me my fellow insomniac......

suegoo

Internet is included in the phone bill, its with vodafone, if you have a contract phone with them you get internet and all local calls for £25.

The thing with the SOA is, I could have put all sorts in it but whats the point of saying you spend more than you have to live on. It shows a deficit of £95 now.

I have been awake most of the night trying to work out how to get my direct debits sorted out with a new bank account.
It will take time to get money in there to pay them and without an overdraft it's a logistical nightmare. If I ring them and say they won't get paid one month no doubt they will want double the amount the following month.
Just can't work it out without having a lump sum to start the account with. Would the OR frown on taking money from the current bank acc to start a new one?
Any ideas on this most welcome.

suegoo

On another thread someone said the OR does not like it if you pay one creditor more than others.
So will I be in trouble for having an agreement with 2 of the card companies but not the third. At the time the agreement was made (2005) I did not owe anything to the third one, I only started using it last year.