Not Bankcrupt !

mr_&_mrs_2

We are sorted lol

Just need to get that HB that would help no end....

The quickest way, it seems is volu reppo....

Im still asking:

If we sign the shortfall deed of aknowledgement before BR will it matter as it will be an unsecured debt althought the figure wont be known ......before our BR date which would presummably mean it would be included?????

Can anyone answer that question for me lol please ...

beentheredonethatstilhere

You should be fine and will go into the pot when you go bankrupt.

mr_&_mrs_2

woooooo hoooooo

lol im now going to ask my husband all about Holes in Pockets revelation ......lmaoooooooooooooooo

skylight

It should go into the pot.

It will be a debt incurred before BR and a proveable one. (Even if all this happened after BR and you were giving up the property). The difference before and after BR with the signing is that if you sign after BR you have just agreed to a new debt and new debts after BR cannot be included in your BR estate. As you are signing it before BR, it will be a"old" debt (in a BR sense) and can be included in your future BR estate. Make sure you get a dated copy. Offer to do it in branch perhaps to get the branch to stamp/date it? Not that I think they will try to pull a fast one, but it just covers your booty nicely!

mr_&_mrs_2

Fantastic ...... thanks all ...... what a fantastic thread lmaoooooo

Made me smile in my darkest hours......

Merry_Gentry

My HB office accepted the letter from the OR confirming that I did not want to buy the BI as proof that the house was no longer mine - just a thought, sorry if it confuses things further.

mr_&_mrs_2

Thats what I was hoping for but it seems our council has other ideas.... they want to see a reppossesion letter to prove we dont have it anymore.....

I have spoken to the council many times and this is all they will tell me....

My argument is:

They have stopped the Council tax payments cause we dont live there....no proof required

But want proof to say we dont live there for a housing benefit claim on our new address....

This is so annoying !!!!

Merry_Gentry

Ouch, talk about catch 22! :eek:

beentheredonethatstilhere

Muppetts!!! them not you.

Would it be worth getting your local councilor involved?

skylight

Councils are silly idiots sometimes.

Once you provide the proof, are they going to back-date the payments to your original claim date (or is this a hope in hell???).

If they insist that its a reposession letter, then get the voluntary ball rolling today - opps, just read you have done that already.

I would also talk to Shelter - most towns have a local branch, and they can help you with sorting this out. The local branches usually know someone in the council who knows everything correctly and they may be able to help via the back door method. If not, then you haven't lost out.