Ask a CCCS counsellor a bankruptcy question

CCCS_Sarah

lino1977 wrote: »

hi sarah thanks for your reply got the ball in motion today went to my parents and used there phone. spoke to lovely person called debs :jhave my call back on 8th june @3.30pm very nervous just not sure what the out come is going to be. abit apprehensive if we go in dmp incase it goes on for a very long time ,as we have 2 small children and in the future would like to move when we are fincially sorted i know that sounds so wrong, sorry about that :eek:

Try not to worry. Your counsellor will put you at ease and talk through everything with you. If you think of any questions between now and your appointment write them down to ask your counsellor (if your anything like me I always forget to ask when I’m on the phone).

Good luck and let me know how you get on

Sarah

Angel1978_2

The National Debtline Phone number appears to be out of order. Anybody got any idea why???

Number I am calling is 0808 808 4000.

CCCS_Sarah

Angel1978 wrote: »

The National Debtline Phone number appears to be out of order. Anybody got any idea why???

Number I am calling is 0808 808 4000.

If you urgently need help you could call the CCCS on 0800 138 1111 :D

Angel1978_2

CCCS_Sarah wrote: »

If you urgently need help you could call the CCCS on 0800 138 1111 :D

Cheers Sarah.

I'm just confused re a problem I have and i'm not sure what to do next. I've opened a thread on here I was hoping to get advice on.

Basically, a company was meant to be making me bankrupt on 5th may. The case has since been adjourned as the company didn't serve me with the papers. So although, I would quite like them to make me bankrupt now as it saves me the fees, they have to serve me to get it all moving again. Or will it go to court with a new hearing date whether they serve me or not?!! (I created a thread but i'm not allowed to post a link to it as i'm a new user )

I'm confused

mPazzer

Been waiting for what seems like ages to get an answer back from RBoS about a hardship case for Bank Charges refund. I sent them a income/outgoings statement AND a copy of my bankruptcy petition which I thought would mean I was automatically covered as a hardship case(?)

I have got my dates mixed up, thinking that my hearing was this Thursday (14th) when it was last Thursday so I am now Bankrupt! so didnt ask for an adjournment.

Since then I have received a letter from the RBoS to say that they have accepted my case and an offer will be coming out in the post soon, and if I accept then will be credited to my bank account held with them. As the amount I was claiming was £8,100, I was hoping that this would maybe stop - if not at least post-pone the BR.

I am £2.5k OD with RBoS on that account so assumed that any offer would have been less this amount, but now the BR has been judged on, does this mean that once depositted into the bank account (they haven't given me a settlement figure yet) that any of the remaining award will have to be assigned to the trustee also?

JCS1

mPazzer wrote: »

Been waiting for what seems like ages to get an answer back from RBoS about a hardship case for Bank Charges refund. I sent them a income/outgoings statement AND a copy of my bankruptcy petition which I thought would mean I was automatically covered as a hardship case(?)

I have got my dates mixed up, thinking that my hearing was this Thursday (14th) when it was last Thursday so I am now Bankrupt! so didnt ask for an adjournment.

Since then I have received a letter from the RBoS to say that they have accepted my case and an offer will be coming out in the post soon, and if I accept then will be credited to my bank account held with them. As the amount I was claiming was £8,100, I was hoping that this would maybe stop - if not at least post-pone the BR.

I am £2.5k OD with RBoS on that account so assumed that any offer would have been less this amount, but now the BR has been judged on, does this mean that once depositted into the bank account (they haven't given me a settlement figure yet) that any of the remaining award will have to be assigned to the trustee also?

The bank account (and any charges that can be reclaimed) are now with the OR, I dont think the bank can repay these direct to you. Any money would go to your creditors.

I suspect the OR Technical Team are following the bank charges case with interest - they have the aim of being self funding.

mPazzer

JCS1 wrote: »

The bank account (and any charges that can be reclaimed) are now with the OR, I dont think the bank can repay these direct to you. Any money would go to your creditors.

I suspect the OR Technical Team are following the bank charges case with interest - they have the aim of being self funding.

Here's something I don't quite get - am I being naive? It was the HMRC that petitioned for my bankruptcy - not me - and it went through on Thursday last week (as I previously mentioned I got the wrong date), but since then, I have not heard anything off anybody "official". It was only a lmailshot that I received from a company marketing it's services to BR's that alerted me the fact it happened last week (i cdhecked the register).

I have my jobseekers allowance paid into one of my accounts and have made a couple of debit card payments as recent as yesterday. I dont want to get into even more trouble, so do I have to make alternative arrangements NOW, even though I have not heard from the OR?

kduffy101

hi,im thing of going br,
i owe £15000 loans,£19000 credit cards+i might not be able to make my mortgage payment of £635 next month.
most of the credit card debt came from doing balance transfers to bank account to get cash to pay bills etc.
will they question me about my spending????
thanks

olderandwiser64

Hi. My OH is going BR soon and has a car worth £250 and a motorbike worth about £2500.
He uses the bike to go to work and the car to go on fire calls and to collect his daughter from school etc.

He has been advised to transfer the ownership of the bike, ie sign it over to me prior to his BR.

Is this allowed?

Just to be clear he is a part time fire man on call when he is not at his primary employment. He often gets called in the middle of the night and has to be at the station within 4 mins. Not possible to get into bike gear, go to the garage where it is parked away from the house and get to station in 4 mins

olderandwiser64

Just googled this and the advice is not to do it as it can be seen as "unfit conduct" and may mean that your BR last up to 12 years. That was really rubbish advice that we had from a private BR company!!

They also wanted to charge £1300 to facilitate the BR paperwork etc. OMG!