Questions about BR court in 7 days

laddo27

Hi there I just have a few questions concerning my BR.

1:- My last 3 monthly wage slips have been roughly £300 pound more than normal, this is due to a refit where I work , but I normally could not and would not earn this extra money. When talking to the OR will he take this into consideration as I know after september this overtime will not exist.

This overtime would mean I have around £250 of money a month spare, avaliable till september. But when I did the cccs sheet I was -£13 a month.

2:- I have recently opened a barclays basic account as adviced. Will this be closed as I have done this before I have been made BR.

3:- I have not paid my last two months bills on my debts ie credit cards and loans. I have started to receive of one of the creditors a letter saying that I have to pay £500 immeadatley. Also they have texted and rang my mobile phone and also asked me to ring them.

I received some blank forms off the cccs to complete which tell the creditor i am struggling and to offer a nominal amount. Should i send these letters now to the creditors who are starting to demand money.

Any help would be greatly appreciated thankyou very much.

fiveyearplan

laddo27 wrote: »

Hi there I just have a few questions concerning my BR.

1:- My last 3 monthly wage slips have been roughly £300 pound more than normal, this is due to a refit where I work , but I normally could not and would not earn this extra money. When talking to the OR will he take this into consideration as I know after september this overtime will not exist. Average out the last 6 months then and explain to your OR at interview.

This overtime would mean I have around £250 of money a month spare, avaliable till september. But when I did the cccs sheet I was -£13 a month.

2:- I have recently opened a barclays basic account as adviced. Will this be closed as I have done this before I have been made BR. Should be fine but make sure it has close to £0 balance on the day of your BR.

3:- I have not paid my last two months bills on my debts ie credit cards and loans. I have started to receive of one of the creditors a letter saying that I have to pay £500 immeadatley. Also they have texted and rang my mobile phone and also asked me to ring them. They will do this continually until they find out you are BR. You just have to grin and bear it or just don't answer.

I received some blank forms off the cccs to complete which tell the creditor i am struggling and to offer a nominal amount. Should i send these letters now to the creditors who are starting to demand money. if you are going br soon then it is a waste of time to send these letters - they mostly get ignored anyway.

Any help would be greatly appreciated thankyou very much.

When are you hoping to go BR?

laddo27

I have my court date next wednesday , and im extremely nervous and embarassed, but having spoke to the cccs i see i had no choice. Will i be made bankrupt on wednesday on the date of the court hearing. Thanks

philnicandamy

No need to be nervous....and certainly NO need to be embarrassed if anything you deserve a huge pat on the back for tacking a problem...and yes the day of the hearing once the paperwork is signed thats it your BR

Good luck

laddo27

thanks for the advice and thanks for the all the comments.

fiveyearplan

Yes, please don't be embarrassed. You will find everyone professional and non judgmental in court and we're usually a friendly lot on here.