Trouble getting Bankruptcy fees together?

antarctica

Community Legal Advice (formerly Legal Aid) gave me the following highly suspicious advice!

When you petition for your own bankruptcy, you have to pay a court fee of £150. This fee may be waived or reduced if you have a particularly low income, and if you think this might be the case you can apply to waiver part or this entire fee using the form EX160. You must also pay a deposit with the petition which is £360 each, and this cannot be waived or reduced. However, it may be possible to raise this in other ways- for instance:

• You could try to obtain a social fund loan. I would not recommend that you tell the jobcentre that the loan is for your bankruptcy petition, however.
• If you take out credit for this purpose, for instance from a sub prime lender like Provident, this would be included in the bankruptcy but may be the cause of a bankruptcy restriction. Generally this would mean that you remain bankrupt for an extended period.
• As you have credit cards, it may be possible to reclaim your charges, and I would recommend that you look at specialist sites like moneysaving expert for advice on this. Other sites may charge to assist you in this. Although the companies you have outstanding balances with at present may just reduce the amount you owe, the reclamation period goes back for a 6 year period and if you have paid off any cards in the past they are likely to refund the charges. There is also information on the site about reclaiming bank charges on grounds of hardship- in this case you can argue that the current ‘hold’ should not apply to you.
• I checked your fuel provider because some companies have ‘trust funds’ which you could apply to for assistance. Unfortunately NPower do not.
• I have checked for charities in your area using a site called www dot guidestar dot org.uk, I have not found anything applicable but you could certainly check this yourself.
• You could consider claiming disability living allowance or Employment and Support Allowance for your health problems, and advice on this is provided here, on the direct dot gov dot uk service website.
• Alternatively, you could ask family or friends for assistance.

dalip

The OR is quite withinn his rights to delay discharge if he feels it is justified.Dx

antarctica

dalip wrote: »

The OR is quite withinn his rights to delay discharge if he feels it is justified.Dx

I know that!

I am just wondering why community legal advice are recommending me to use credit to pay my BR fee.

dalip

They are not actually reccomending it they are saying you could but they are also pointing out the possible penalties for doing so.


Sorry misunderstood your question in the last post. I took it you were querying the penalties as they were what you had highlighted.:o

antarctica

I don't even think they should list it as a possibility though.

That's okay, I probably didn't make myself clear.

dalip

No i agree it is bad. Some are so desperate to get the fees together they may well try it and end up in big trouble wih the OR. Bad Advice. Maybe you should write to their head office and point this out to them.Dx

antarctica

We are pretty desperate ourselves and will have to ask for the money from family. Our families are also in financial trouble, but at least after this they'll be able to stop bailing us out every few months and hopefully that should ease their situation too.

You're right, I will complain.