The journey begins ...

auldblerk

Well, took advice from you lot and in particular, tigerfeet2006 and dalip and contacted CCCS and I'm awfully glad I did as they went thru everything in a non-judgemental fashion and recommended bankruptcy [gulp !] and I have just picked up the papers, which I must say, look very daunting and involved without even looking thru them. I just hope I can go through this without having a nervous breakdown as the last 10 years have been awful and in particular, the last 2 years have been a nightmare.
I would also like to thank winnie81 on sharing her experience in markbass's piece on the Court appearance as it looks like I'm going to be experiencing this but on my own so this Forum is essential to enable me to get thru it all.

Holes_in_my_pocket

I found the online forms easier to understand a lot of pages are irrevelant

tigerfeet2006

auldblerk I am glad that you found CCCS helpful and have taken the first step to getting your life back under control.

As Holes says you might find the online forms easier. You can just do a bit at a time as and when you need. Ask questions on here when you get stuck and save often as the IS site has a habit crashing.

From the Bankruptcy Help sticky, which I strongly suggest you read.


Completing the bankruptcy petition and Statement of Affairs.

Online forms:-

• Complete the forms online (registration required)
• Online Forms Service - Frequently asked questions

Forms to print and fill in:-

• Debtors Bankruptcy Petition (form 6.27) - pdf version / MS Word version
• Statement of Affairs (Debtor's Petition) (form 6.28): pdf version / MS Word version

Example completed forms and guidance notes:-

• Debtor's Bankruptcy Petition 6.27 Example (Thanks to NE Derbyshire CAB)
• Statement of Affairs (Debtor’s Petition) 6.28 Example (Thanks to NE Derbyshire CAB)
• Statement of Affairs (Debtors Petition) Guidance Notes: pdf version / MS Word version

yellowmonkey

Top post tiger and welcome auldblerk.

Everything about BR seems daunting at the begining but it is not as bad as it looks. Especially the forms. I did mine online and started them 3 months before BR date so I had plenty of time to complete them. You can do them bit by bit and it helped me greatly.


When I started I used to read with envy people who have done the process and wish that some day it will be me. Well it is and one day it will be you too

Good luck and I hope all goes well.

ym

auldblerk

Thanks yellowmonkey for your words of encouragement, they help.
Do I just download them, print then fill out ? I was also advised to fill out a 'rebate' form for the fees as I am on a low income so will do this too and also to get a basic account with another Bank that my debts are not connected to; I have contacted Clydesdale and requested a 'Readycash' account. Does anybody have any background on this i.e. any problems obtaining one, how long before it becomes active etc ?
Any advice on this would be appreciated.

yellowmonkey

auldblerk wrote: »

Thanks yellowmonkey for your words of encouragement, they help.
Do I just download them, print then fill out ? I was also advised to fill out a 'rebate' form for the fees as I am on a low income so will do this too and also to get a basic account with another Bank that my debts are not connected to; I have contacted Clydesdale and requested a 'Readycash' account. Does anybody have any background on this i.e. any problems obtaining one, how long before it becomes active etc ?
Any advice on this would be appreciated.

Just go online

https://www.insolvencydirect.gov.uk/isolv/public/access/PublicUserLogin.do

Go down to register and passwords and then register. You can then fill in the forms and save at your leisure. At the end you confirm everything and print them off.

ym

auldblerk

HA HA and heres me today trying to sneak in and out of Court in the town for these documents hoping I'm not spotted by any workmates as they'd rip me to shreds if they found out I was going bankrupt !