Quick update and query

completemess

Following from my posts last week (my husband walked out on me - was made br in January by a company creditor) he is home. Not sure how long, really trying to make things work but if I even dare mention the bankruptcy word he goes off on one and I am continuously treading on egg shells. He says he just can't cope with it all (failed business, losing home, br etc and has a doctors appointment Wed). Two quick queries

Firstly I was planning on going br as early in February as possible but needed to get the utilities sorted. I have changed from N Power (as owe them money) to EDF have received a contract from EDF but it is going to take 4-6 weeks to go switch). Can I go bankrupt now or will I lose the contract and end up on a meter? Would rather wait 4 weeks if that is the case.

My husband won 't even do his forms - his OR interview is tomorrow!!! so I am doing them for him - I know I am a complete mug!!! His company accounts are none existent. Three years worth of messy/no accounts. He has not even bothered to sort paperwork out for his face to face or interview tomorrow. What is likely to happen - a long term BRO or worse??

Also how can the mess he is in not effect me. He kept everything from me for so long, I am a complete and utter fool but love him and want our marriage to work x

Bailesy27

Oh you poor thing.
I don't want to frighten you but he must face up to this or he can get arrested for fraud if he doesn't do what he is supposed to. The more helpful and co-operative you are the quicker and easier it will be.
Can you get the doctors appointment brought forward for him, sounds like he needs it. Or even if you could get him to read all the threads on here it might make him feel better, that he's not alone and there are loads of us.
Our business failed too which is why we are on here, the recession isn't our fault.
He has to face up to things as they will not go away o there own. You certainly sound like you do love him very much but you got to give him a kick up the bum before things escalate.

Good luck, hope you ok.

headoutofsand

completemess wrote: »

Following from my posts last week (my husband walked out on me - was made br in January by a company creditor) he is home. Not sure how long, really trying to make things work but if I even dare mention the bankruptcy word he goes off on one and I am continuously treading on egg shells. He says he just can't cope with it all (failed business, losing home, br etc and has a doctors appointment Wed). Two quick queries

Firstly I was planning on going br as early in February as possible but needed to get the utilities sorted. I have changed from N Power (as owe them money) to EDF have received a contract from EDF but it is going to take 4-6 weeks to go switch). Can I go bankrupt now or will I lose the contract and end up on a meter? Would rather wait 4 weeks if that is the case.

My husband won 't even do his forms - his OR interview is tomorrow!!! so I am doing them for him - I know I am a complete mug!!! His company accounts are none existent. Three years worth of messy/no accounts. He has not even bothered to sort paperwork out for his face to face or interview tomorrow. What is likely to happen - a long term BRO or worse??

Also how can the mess he is in not effect me. He kept everything from me for so long, I am a complete and utter fool but love him and want our marriage to work x

I was a bit like him myself. Like others have said he must pull himself together. Was it a LTD company? Can't he take what he has and ask the OR to look at them? Surley he must have some sort of accounts or paper trail as he would of needed to submit a self assessment form. When I go to see the OR I will take my statements and stuff from April and the accounts for last year. If he wants the statements from last year they are with the accountant How many years has the OR asked for? The reason I asked about LTD status is they have different accounting periods.

The more stuff you have even if its in a mess and not in any order the better, I would of thought. Anyway can't the OR find out all this anyway from somewhere else?

completemess

I can't agree more, wish he'd just pull himself together and just do his best but it's me nagging him that caused him to walk out on me after ten years. I have nearly completed his forms again. He just said the accounts are that messy he is going to just give the previous accountants details tomorrow and go back again with information he can gather at a later date. He has completely buried his head in the sand, he has known about his bankruptcy since before Christmas. I have asked him to just take everything even if in a bad order to show willing but he won't. He can't get sent down for having no accounts can he? He knows he will get a BRO. He could not afford to get the accounts done come the end. The company was limited but he has also been self employed as a sole trader and those records are messy too :eek:

On a positive note my br is booked now, 26th Feb at 9.15am eek!!!! Hope his bad attitude does not effect me!!!!

spenderblender

I feel for you. We are also going BR together but, my hubby tends to leave everything to me, like I know what I am doing is for the best. He has always left everything to me, paying bills, paying people, doing the shopping. As long as he has his money for work/ fags, thats all he cares about.
When I said we were going in for IVa he just said ok, now it has come time for BR he just says ok and leaves it all to me. God help us when he has to speak with OR himself. I will have to do as someone else said and have the phone on loudspeaker so that I can kick him if he opens his mouth when he shouldn't.
He has got really angry tho recently with everyone and I have said for him to come on here and have a read as it lets you know you aren't alone, but he will not do it.
Men eh.
You are not alone though, there are some great people here, which is why I am always on here even if it is just for a read or to ask a question.

headoutofsand

Men are like that. I am a man and I have made every effort to sort this out myself, the OH has nothing to do with this sorry state she helps with some of the stuff but I am the one on here and it is me who decided to bare all.
I know I have to face the consequences or otherwise of my debt, it is me who borrowed the dosh, therefore I am accountable for it.

I am glad I came on hear and no man should be ashamed of what has happend to them.Tell him to get on hear and have a look what the men have to say. I don't care what my mates think when down the pub or wherever. In fact they are rather sympathetic and can understand why all this happend as most of them are in bother one way or another themselves. He sounds like it's all boiling up inside and the steam has to ecsape at some point or his health will be in serious trouble.

spenderblender

He's a Sagitarian and a nothing bothers me attitude but, it does. it just simmers away quietly inside.
I have to sow seads and then let him think about it and then he'll say one day "I've had a thought, what do you think?"
I will bide my time he will come round, I do read out some posts especially if they are funny light hearted ones.

fiveyearplan

If he doesn't have his accounts information for the OR then the accountant's contact details should be enough. I didn't have any accounts either and so far they haven't even checked with my accountant. My AD is just over 7 weeks away.

headoutofsand

fiveyearplan wrote: »

If he doesn't have his accounts information for the OR then the accountant's contact details should be enough. I didn't have any accounts either and so far they haven't even checked with my accountant. My AD is just over 7 weeks away.

Hi Five year. What's AD mean? Hope it's nothing nasty

philnicandamy

headoutofsand wrote: »

Hi Five year. What's AD mean? Hope it's nothing nasty

"automatic discharge" happens when your 12mnths up in Bankruptcy

headoutofsand

Thanks for the info.