dont know acc details can i include in BR?

honeyprincess

Hello
im new here and am seriously considering BR, well have been thinking bout it for the past 4 years, anyway i hav a question....
i have 2 debts that were jointly aquired by myself and ex partner but hav never been chased for, long story but as i do not know any account no, details etc for these, will the OR be able to find them out, i mean will they be able to find out this info as i tried to look at experian website but they were not on the list of my credtors?

Hope someone can help
thanks in advance
Laura x

So_Sad_Angel

Hiya Laura ...welcome

Any joint debt in BR will pass to the other party. It is the Official Recievers job to source any debt & apportion it to any liable party (ie your ex-OH) .

Have you spoken to one of the debt charities re your situation??? well worth a call to check out your options.

Angexx

So_Sad_Angel

ps....just put as much detail as you have,,,they will find the debt!!

honeyprincess

thank you so much for your quick reply.
yes i 1st spoke to cccs a few years back, did the token payment thing, then did a debt managment plan but can not afford to pay anything now, i was adviced to go BR but was always to scared and just imaged going to court and being shouted at lol, i have already changed my life, pnly buy wat i cant afford and no longer use credit so do u think that OR will think thats good i want all the calls and letters to stop i know im never gonna b in a situtation to pay my debts (£16,000) and just want to start a fresh with it hanging over my head forever!
Sorry im blabbering now, i dont usually talk about this so i guess its all coming out now!
x

So_Sad_Angel

Hiya honeyprincess

Put you whole situation on here & let the other guys have a look... also please consider speaking to the debt charities (CCCS, Cab, Nat Debtline) ...get as much info as you can to assess your current situation.

Above all....you are not alone...we all know what you are going through & are here to help.

Angexx