to go bankrupt or not?? Help!

dalip

Well does not give you much time to get into a state. Good luck.

Jubbly1868

tiggs123

Very best of luck for tomorrow. We are going through the same thing in NI but orig from Sittingbourne (been in NI 7yrs) !

Been wracking brain to try and think of anyone who has been through similar thing. And also who's been in rented etc but can only think of council provided housing. Sorry not much use to you - Ive been a bit late reading your thread!

Will be thinking of you though and wishing you and OH very best of luck. We are trying to stay in our house for as long as poss before mgage company get fed up and try and repo.

Looking for rented at same time obviously!

Take care and good luck, Lisa x

Jubbly1868

Ps. Just wanted to add my thanks for your thread as it has answered all the questions that are going round and round in my head - must be a Kent-thing.

Best wishes, Lisa

tigerfeet2006

Tiggs the Alliance and Leicester won't allow you to have an account with them if you are bankrupt.

Phone the Co-op and open a Cashminder or Barclays and open a Cash account.

All the best with your day in court.

tiggs123

hello everyone and thank you for all your best wishes.

alliance and leicester were aware we were being declared bankrupt and didnt seem to have a problemn with it?

well my day yesterday was a whole lot of mesups!! we were laughing so hard trying not to cry!!

well the day started of with us getting the papers together and sorting out the money. i then remembered on here it said you needed 3 copies to hand in. so panic set in, it was 8.45 and appt was at 10 (30-40 min journey).

sdo we left the house couldnt get in to the car, couldnt find the keys. went home to look for keys, found them after a lot of cursing and stresing:eek: . left the house.
went to the local shop that does photocopying, to get the copies done, this was gone 9am now, feeling the pressure.
in the shop, the lady wouldnt let me photocopy it she wanted to do it herself, fine i said, she was putting the pages in one by one!!!! time is a ticking here!! then she messed all the papers up and were no longer in order, then half way through she realised half the papers were blank as shed run out of ink!!:eek:
so she calls her husnband down to do this and he says fine no problem, gets the ink cartridge puts it in presses the button, then the machine explodes with all this ink powdery stuff!! all over their carpet, magazines and our papers!!!!! absolute nitemare. we had to wait untill they hoovered the shop and replaced the cartridge before we could carry on with the copying.
so all in all we finished £25 down for the costs, and it was now 11am (our appt was 10am).

nitemare! we were laughing so much, was just soo comical, the shopkeepers english was very good but even she saw the funny side of it.
so back to the car and driving up to the court we finally arrived at 11.40.
we got to the desk, afetr having to empty you bag contents and pockets full of rubbish!
we explained what had happened the chap over the counter laughed with us, and asked us to take a seat and said despte our lateness we would still be seen. great we thought.
so the lady cam out took us to a side room, told us we did not need 3 copies!!!!!!!!!!!!!!!!!!!!! we only need the original:eek: so we just continued to laugh, despite loosing £25. she made us sign the papers, date them and say the oath thing over the bible. then she said come back at 2, because all the mornings papers go up to the judge at 12 and come back at 2. so we went a nd chilled out.
went bavck at 2, quite a few peop-le waiting then at 2, but at 2.45 we were called in to the side room again by the same lady to say yes you have been declared bankrupt, heres your order and order no, the OR will contact you in 2 days and do a telephone interview and job done! we left for home happy as anything, despite the rocky start to the day.

tips:

1. people claiming benefits must take a long a letter from the benefit provider (i,e, job centre) stating you are in receipt of benefit and since when and must be dtated within last month.

2. the later your appt in the mroning the less time you have to wait

3.. dont worry about a thing, if your figures are correct and you got genuine reasons for BR then dont worry. they are soo nice to you.so helpful.

4 you dont need 3 copies, unless its different for different places? but we didnt.

so now we are BR and debt free, just got the OR interview to do but i am not worried, what will bw will be, we are debt free and we feel so happy, the pressure has just gone, :j :rotfl: :T :A

goodluck to everyone on here, ask any questions id be glad to help if i can

thanks to all those that supported me

tiggs123

so sorry for the spelling mistakes! head is going faster than my fingers. hope you can make sense of it.


tiggs

deedee_3

Well done on getting through it all and well done on taking the steps you needed to to get your life back under control, that takes courage.

With the petition, most courts want 3 copies (1 for them, 1for the OR and 1 for you.) there is the odd court who want 1 set and will photocopy for you.

dalip

Well done.Wondered how you got on.Dx