Ask a CCCS counsellor a bankruptcy question

philnicandamy

oregonuk1 wrote: »

Thank you for your reply s did think I would get CCCS reply but you have been more than good. I have been told that I my not have to pay the full £510.00 to go bankrupt is this true and when would I find this out with me being on benefits would it be when I go to file my bankruptcy forms at court or at my hearing at a later date.


Oregonuk1

One thing to bear in mind though....BEFORE you decide bankruptcy is an option you will need to speak to cccs/national debtline before you fill in the forms and attend court (its a question the court will ask "have you took professional advice?" and sadly we dont count!)

You are correct in thinking about the fees...you will need to provide an up to date letter stating your in receipt of benefits and fill in a form to be considred for a £150 reduction of the court fees ...sadly the rest you have to pay there are NO discounts on this..

bit of a read here about fees


Court fee remission and forms.

• HMCS - Court fees do you have to pay them? (And guidance on completing the fee remission form). (pdf)
• HMCS - Form EX160 - Application for a fee remission (pdf)
• Example application for a fee remission based on gross annual income - EX160 (Thanks to NE Derbyshire CAB)
• Example application for a fee remission based on permitted benefits - EX160 (Thanks to NE Derbyshire CAB)
• Possible assistance with Bankruptcy costs / fees (Thanks to NE Derbyshire CAB

and VERY happy to help you...cccs would eventually have replied but sometimes it can take a little while..:D

CCCS_Sarah

oregonuk1 wrote: »

Thank you for your reply s did think I would get CCCS reply but you have been more than good. I have been told that I my not have to pay the full £510.00 to go bankrupt is this true and when would I find this out with me being on benefits would it be when I go to file my bankruptcy forms at court or at my hearing at a later date.


Oregonuk1

Hi Oregonuk 1,

Sorry for the late reply but I can see you have been in good hands. I would recommend that you have an appointment so we can help you put together a detailed budget and look at your options.

I see that you are on JSA at the moment, so is it just a temp situation that your in? If so then you may wish just to make token payments until your back in work and then have another look at things. As once you are back in work you maybe able to pay your debts back in a reasonable amount of time.

If you would like an appointment to discuss this in detail please call 0800 138 1111.

Sarah

CCCS_Sarah

philnicandamy wrote: »

and VERY happy to help you...cccs would eventually have replied but sometimes it can take a little while..:D

There’s just me about today so just working my way through things

philnicandamy

CCCS_Sarah wrote: »

There’s just me about today so just working my way through things

poor you....i'd complain if I were you! ;)

confused76

hi
quick question about a car....when i divorced my parents bought a car i have used since new - the registration documents are still in my mothers name but i tend to class it as my own. obviously when it comes to br i am glad it is still in my mothers name however i have thought of it as my own and last time i got car insurance i put down that it was my own, not thinking anything of it. does the or get a copy of car insurance? this would look dodgy if so, and what should i do? officially it is still my mothers. it is prob worth 2,000 its a 5 year old 1.2 punto
thanks
S

porcupine1

My wife and I have been advised to go bankrupt. We are looking to rent as we can afford the mortgage, but not the secured First Plus loan as well. What will happen to the secured loan when we declare bankruptcy? There seems to be some confusion about this

cookie12

Hi

I am planning to go bankrupt. I have a secured loan on my mortgage. Some have said that they have kept their homes after bankruptcy but as I have a secured loan against the property, would I have to lose the house to lose the loan?

Thank you

oregonuk1

To Sarah
The problem with me being on JSA is I have mental health problems and it could take me years to get a new job because Mental health problems are frowned on in the work place and the current jobs market for the sort of basic work I can do There are no jobs.


With my mental health problems and the fact friends will not be able to help me any more so is pushing me to want to kill my self because of my debt the only thing stopping me is living with my parents granted I do not have the bills to pay but below is what I do pay. I will not have the money to pay and with me being on only £64.30 each week this only covers me for my


food of £30.00 a week
my mobile of ten pounds a week for looking for work.
Travel on bus £15.00 a week
clothes about £5.00 a week
hair cut £2.50 a week
and the rest will go on anything else I need
That means I am left with nothing.


The CAB and my doctor both think because of my Mental health problems I should go bankrupt before my friends stop loaning me money because I am not solvent now.


One more thing if I use the insolvency services online forms for bankruptcy do I have to pay for this service?.


Will I be able to put in detail my above out goings or should I just add this to my Bankruptcy papers?.


Thanks


Oregonuk1

CCCS_Sarah wrote: »

Hi Oregonuk 1,

Sorry for the late reply but I can see you have been in good hands. I would recommend that you have an appointment so we can help you put together a detailed budget and look at your options.

I see that you are on JSA at the moment, so is it just a temp situation that your in? If so then you may wish just to make token payments until your back in work and then have another look at things. As once you are back in work you maybe able to pay your debts back in a reasonable amount of time.

If you would like an appointment to discuss this in detail please call 0800 138 1111.

Sarah

philnicandamy

oregonuk1 wrote: »

To Sarah
The problem with me being on JSA is I have mental health problems and it could take me years to get a new job because Mental health problems are frowned on in the work place and the current jobs market for the sort of basic work I can do There are no jobs. Hmm mental health issues are a huge problem in the workplace..I can understand as it's happened to me on a few occasions as well..


With my mental health problems and the fact friends will not be able to help me any more so is pushing me to want to kill my self because of my debt the only thing stopping me is living with my parents granted I do not have the bills to pay but below is what I do pay. I will not have the money to pay and with me being on only £64.30 each week this only covers me for my You'll get this sorted eventually the debts can be sorted and in the end its you & your health that matter most


food of £30.00 a week
my mobile of ten pounds a week for looking for work.
Travel on bus £15.00 a week
clothes about £5.00 a week
hair cut £2.50 a week
and the rest will go on anything else I need
That means I am left with nothing.


The CAB and my doctor both think because of my Mental health problems I should go bankrupt before my friends stop loaning me money because I am not solvent now. thats a good idea..


One more thing if I use the insolvency services online forms for bankruptcy do I have to pay for this service?. no charge for completing the forms online..BUT you still have £510 to pay the court & OR although being on JSA you should get a reduction on the court fees £160 but the rest still needs to be paid sadly NO concessions on the OR fee..although there is a group of trusts that could help you pay the lot.


Will I be able to put in detail my above out goings or should I just add this to my Bankruptcy papers?. Just add everything as you did above..


Thanks


Oregonuk1

Hiya oregonuk hope your well?....i'll answer a few bits for you in case sarah's still on her own & busy..

a good site to have a read of with some examples of forms filled in etc

http://www.ned-cab.org.uk/debtselfhelp/bankruptcy.shtml

If your stuck on anything with the forms just give me a shout either here or via PM and i'll help anyway I can

Phil

oregonuk1

Thanks for your reply Phil I wish more people could be understanding of Mental health problems I think lots of people that get in Trouble with money have bad luck or a mental health problems.