Im New Plz Help Im Goin Bankrupt

missems

Hiya All Im New To This So Dont No Wot Im Doin Lol Im Goin To Go Bankrupt I Owe About 6k And Just Cant Pay It Off I Have A Bank Acct With Hsbc Will This Be Took Off Me I Have Had The Bayliffs At My Door Befor Wot Shoud I Do If Thay Come Back Wot Happens When I Go Bankrupt Sum One Told Me I Will Get A Phone Call About A Day L8tr Wot Is That For And If I Get My Bank Acct Took Off Me Could I Get A New One As Im On Benfits Thanks Xx

RAS

Hi please speak to one of the debt charities urgently.

• Consumer Credit Counselling Service: Full debt help service. Link: CCCS Tel: 0800 138 1111
• National Debtline: Full debt help service. Link: National Debtline Tel: 0808 808 4000
• Citizens Advice Bureau: Full debt and consumer advice service. Link: Citizens Advice or visit your local CAB centre (find nearest)
• Christians Against Poverty: Debt counselling agency, which specialises in helping those who are emotionally struggling too. The religious focus is why they do it, not how they do it. Link: Christians Against Poverty or call 01274 760720.
• For evictions/repossessions: If you’re in danger of this it’s important to get legal advice asap. The Housing Duty Scheme, by Community Legal Advice or call 0845 345 4345, gives free advice at around 100 courts across England and Wales.
• Local agencies: There may be a local debt help agency in your area, if so check it is non-profit or a charity, before signing up.

There are two issues here

1. What did the bailiffs come to the house about? Did you let them in and did you sign any documents?

2. Do you want to go bankrupt?

edinburgher

First of all - try not to panic!

You have a lot of questions there and it might help to rephrase them to make it easier for us to help you

Going bankrupt - first things first, being declared bankrupt has a specific legal meaning. You're obviously struggling with your debts, but it helps to clarify if you're broke, or actually bankrupt! See Ras' post

Is the account with HSBC in default (do you have an overdraft that you're failing to meet repayments on?)

Do you owe HSBC any other money (credit cards etc.)? Your account could be closed to offset these - I think it's a fairly standard contractual thing with banks.

You may want to look into opening a basic bank account with another bank (no credit facilities).

Bailiffs can only come to your house to take goods against a debt if you've already gone through a process of refusing/being unable to make payments and they have received a judgement that lets them collect goods. This would have been confirmed in writing beforehand - these people coming to your door may have no authority to take your things..

Phone call = no idea, please say who this call was meant to be from and what it relates to

Accounts = you can get an account, even with bad credit history. It won't necessarily have a debit card/cheque bok etc.

Is this a start to helping you out?

stapeley

Using the spell check at top of the page would help . My spelling is appalling so have to use it , but it does help if people can read and understand what you are writing . Good luck.

Merry_Gentry

missems wrote: »

Hiya All Im New To This So Dont No Wot Im Doin Lol Im Goin To Go Bankrupt I Owe About 6k And Just Cant Pay It Off I Have A Bank Acct With Hsbc Will This Be Took Off Me I Have Had The Bayliffs At My Door Befor Wot Shoud I Do If Thay Come Back Wot Happens When I Go Bankrupt Sum One Told Me I Will Get A Phone Call About A Day L8tr Wot Is That For And If I Get My Bank Acct Took Off Me Could I Get A New One As Im On Benfits Thanks Xx

Hi Miss Ems, you need to ring one of the free debtline advisors such as CCCS so they can go through what you owe and give you proper advice. Once you have done that, we can help you with the ins and outs but you need to take proper official advice first.