Worried again - please help!!

FeelingLighterAlready

Thanks so much for your replies . I dont actually get a receipt or statement from my landlord, he has a company and the money goes straight into that account - as did my rent when I was sharing downstairs. The contract is all through a very reputable agent though.

I am in two minds about doing it when I get paid next or maybe around christmas time as this month might be a bit tight for me but then do I want to be short of cash over christmas oh well it depends, the courts arent open christmas week are they??

I would do it tomorrow if I knew I could keep my flat & I had the £495 to hand lol. Have it in my mind that I must do it before the New Year so I'll be discharged next year in time for a truly wonderful christmas :T

Thanks again guys xx

Waspeze

Mine had that "May" clause in it but though the OR said they'd contact my landlady I neve heard anymore about it... like you I have a guarantor

It's just a get out clause in case there are any other issues!

Agree with Peachy

I don't get a reciept or statement for my rent.. never have done in my years of renting!

FeelingLighterAlready

Thanks Waspeze, so do you think I should just leave it til the OR mentions it rather than telling my Landlord myself? I really cant see him throwing me out cos I go bankrupt as he knows my shocking credit rating, (like I dont have one!) Guess its just the worrying before I do it.

Also on my SOA, where it says "does anyone else have interest in any of the properties you own, rent or lease? This interest may be a sub-tenant, a guarantor of the mortgage, a partner, a joint tenant, joint lessee or otherwise" - should I include my guarantor of tenancy agreement here? I dont want that person implicated in my bankruptcy at all but will they be?

Sorry just one more thing on the SOA - under the assets bit (I dont have any) is it viable to put £0 in the cash in bank, building society or hand? Or what do you think I should put on there? I am going to be taking out any monies in my account just before I file at the court, just to cover myself in case anything gets frozen...

Thanks again :-)

Waspeze

FeelingLighterAlready wrote: »

Thanks Waspeze, so do you think I should just leave it til the OR mentions it rather than telling my Landlord myself? I really cant see him throwing me out cos I go bankrupt as he knows my shocking credit rating, (like I dont have one!) Guess its just the worrying before I do it.

If you have a good relationship with him then tell him .. I didn't tell mine coz i've never spoken to her and at the time i'd mis read my agreement and didn't see the bankruptcy clause:o

FeelingLighterAlready wrote: »

Also on my SOA, where it says "does anyone else have interest in any of the properties you own, rent or lease? This interest may be a sub-tenant, a guarantor of the mortgage, a partner, a joint tenant, joint lessee or otherwise" - should I include my guarantor of tenancy agreement here? I dont want that person implicated in my bankruptcy at all but will they be?

I honestly can't remember what I put for that .. if no one answers i'll dig out my paperwork when I get home this evening!

FeelingLighterAlready wrote: »

Sorry just one more thing on the SOA - under the assets bit (I dont have any) is it viable to put £0 in the cash in bank, building society or hand? Or what do you think I should put on there? I am going to be taking out any monies in my account just before I file at the court, just to cover myself in case anything gets frozen...

Thanks again :-)

You put down your situation as of the day you are going BR so if the account has a balance of zero then put zero (I did)

FeelingLighterAlready

If you could let me know about whether to mention there is a guarantor on my agreement for that clause I'd appreciate it, thanks :-)

SouthCoast

If you are worried about your lease, speak to Shelter:

http://england.shelter.org.uk/

Rylynn

I think you do put you have a guarantor, but not really 100 per cent sure.

The person does not have an interest in the property they are just a backup for you renting the property. Shelter may be able to answer this or someone else here may.

Good luck with everything.

Waspeze

I checked my forms and I did put down my guarantor, I know for a fact they weren't contacted though!

Couldn't tell you for sure if you "have" to do this but I did and it wasn't questioned or followed up.

HTH

Rylynn

Waspeze you gonna be smoke free in 4 days??

Waspeze

Yep.. saturday will be day one