We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
BR Forms
wayforward_2
Posts: 285 Forumite
Just a quick one - when filling in the BR forms online it asks you date incurred for each creditor - should you put the date you took the credit card out or the date you last spent on it?
0
Comments
-
-
Hi, loans you should put when you took them out, credit cards should be when you spent the money
for instance if you took a credit card out in 1996 but spent all of the £5,000 limit on a holiday last month then you incurred the debt last month not in 1996Hi, im Debtinfo, i am an ex insolvency examiner and over the years have personally dealt with thousands of bankruptcy cases.
Please note that any views i put forth are not those of my former employer The Insolvency Service and do not constitute professional advice, you should always seek professional advice before entering insolvency proceedings.0 -
wayforward wrote: »Just a quick one - when filling in the BR forms online it asks you date incurred for each creditor - should you put the date you took the credit card out or the date you last spent on it?
I always put the date shown on the credit report0 -
trouble is - a couple of the cards i've had for years and years and paid off several times - its mostly gradual rather than lump sums i've spent0
-
wayforward wrote: »trouble is - a couple of the cards i've had for years and years and paid off several times - its mostly gradual rather than lump sums i've spent
Same for me - I'd be interested in knowing how to answer this one as well!0 -
then i would put down a range from when it was last at a low or zero balance up to when it was last used.
eg Oct07-july09Hi, im Debtinfo, i am an ex insolvency examiner and over the years have personally dealt with thousands of bankruptcy cases.
Please note that any views i put forth are not those of my former employer The Insolvency Service and do not constitute professional advice, you should always seek professional advice before entering insolvency proceedings.0 -
Sure this has been answered a million times, but i can't find the answer anywhere, so sorry to annoy, but...
Where it asks for the name of the creditor do I list:
a) Original Creditor (eg Payday UK)
b) Parent Company (eg MEM Consumer Finance)
or c) Debt Collection Agency now chasing the debt (eg Idiots R US)
Cheers in advance!0 -
I put the name of the current chaser of each debt.Look down your nose at me and I thumb my nose back at you.
Bankrupt: 8th July 2009
Early Discharge: 19th Jan 2010
Proud BSC Member: 2780
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.4K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.3K Work, Benefits & Business
- 604K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards