Could you please check reasons for me :-)

larzie30

Hi All

I have put my draft reasons for BR for the form below, can you tell me if this is a bit too much like war and peace. I want to spell it out as much as possible. Any comments or advice appreciated. Thanks

Over the last 2.5 years I have had several changes in circumstances, which have led to my current position. Those changes are as follows:

July 2007 – Following the breakdown of my marriage, I returned to live with my parents. I continued to contribute to the former marital home, in order to give my ex-husband the opportunity to adjust to the financial changes, as he wanted to keep the house. As the mortgage was solely in his name this made sense. There is a joint loan secured on the house which was obtained initially in 200 and then topped up in 2006. This was used to consolidate some existing debt in XXX name, to pay for a business which XXXX wished to purchase, however after spending a few thousand pounds on the business he decided he didn’t wish to pursue it, the remainder of the loan monies were used to make improvements to the house and to pay for fertility treatment (IVF). At the time I left the property we agreed that he would take on responsibility for the joint loan, which was secured on the house, and all of the bills associated with the house. He also stated that he would start divorce proceedings.

Jan/Feb 2008 – Opened my own bank account as relations with my ex husband broke down further as he refused to take on the joint loan, start divorce proceedings or allow me access to the former marital home.

July 2008 – For some time now my ex-husband had been sending me nasty texts and e-mails, however I now found out that he was following me and so after taking advice, I decided to commence divorce proceedings in the hope that this would stop these actions. This incurred a cost of £300 initial outlay, and monthly payments of £150 thereafter.

October 2008 – After my ex-husbands non-compliance with divorce proceedings and refusal to go into mediation, I commenced financial proceedings, further outlay of £210. I also had to have XXXX warned under the harassment act at this time.

December 2009 – I gained a promotion in work however as this promotion is 9-5 role I lost my entitlement to shift allowance and have therefore ended up earning less money. Also additional travelling costs as this job is 30 miles from my home and incurs a tunnel fee of £2.80 daily. Also I changed from uniform role to smart plain clothes, which has also incurred extra cost.

January 2009 – First appointment at Court reference the financial proceedings, ex-husband did not turn up, half costs of the appointment were awarded to me and a court order issued stating ex must attend a further first appointment. The date to be set after XXXX was personally served with the court order; this also incurred additional costs for me.

March 2009 – Decree Nisi granted ex husband ordered to pay half costs of divorce.

March 2009 – Found out that ex husband had not being paying his half of the joint loan. And that he had not taken me off the joint bank account. Also found that he had not changed the details of a mobile phone that he possessed which was in my name – nor had he forwarded any bills. I paid this account £156 with my credit card.

April 2009 – Adjourned First Appointment at court, again ex did not turn up Judge ordered that XXXX must leave the former marital home within 28 days and that the house be sold. It was to be my responsibility to have the house cleaned and made ready for sale and to make arrangements for the sale. As the house was most likely in negative equity, the order also stated that any shortfall in joint monies owing should be the sole responsibility of ex husband and that he should indemnify me of this. My relief at this point was immense and I decided that I would take on the task of cleaning the house myself so as not to make the situation any worse for XXXX, I intended to get the house on the market as soon as possible so that I could become free of all of the debt repayments attached to the joint loan and pay off my solicitors fees.

April 2009 – I took a £10500.00 loan to consolidate my credit card debt, as I was paying minimum repayments each month and therefore paying off the interest but not really any of the debt. With the consolidation loan I would be able to pay the full amount off within 7 years, it also freed up a small amount of money each month to add to my leaving expenses again improving my personal financial situation.

June 2009 – I finally obtained access to former marital home, found out ex husband had removed all of the items of value and left a huge mess, also found opened mail which indicated that the mortgage (solely in ex husbands name) had not been paid since January and that Northern Rock were to commence repossession proceedings. My Main concern at this time was getting the house sold prior to repossession in order to prevent my name going on the repossession list (as part of the joint loan) and to protect my credit history for the future. I then telephoned my solicitor to explore my options for a quick sale. This was the point that I found out that the court order passed in April would not protect me from my ex husbands refusal to pay any bills or court costs, also found out about a further account in my name which should have been changed.

This is when my financial difficulty really started. Over the period of the divorce money has been tight and I have been putting some of my living expenses (eg petrol and groceries) and luxuries on my credit card, which I took the consolidation loan to cover, I took on all of this debt in good faith as I thought that when the divorce was finalised and the house sold that I would have an extra £300 per month to add to my living expenses and to pay towards my of the debt. However as my ex husband has simply refused to reply to anything a repossession order was passed on the house on 6th August 2009 and I find myself liable responsible for a huge amount of joint debt, along with my own, which is getting worse each month, as I am not able to manage it. I am now once again at the limit of one of my credit cards with no means of improving my situation. Following advice from CCCS on 27th July I have been advised that bankruptcy is my only viable option. The advisor was very helpful and explained all of the consequences of this course of action in order to help me fully understand what I am undertaking. I have endeavoured to stop spending on my credit cards from this point so as not to make the situation worse now that I understand that I need to pursue bankruptcy but it is with regret that I have had to make payments for things such as fuel to get me to work. It is with deep regret that I petition for my own bankruptcy but am aware that it is the only option available to me at this time.


Well done if you got this far and thanks in advance for any comments.

L

skylight

I think it is fine (although amend the date 200 in the first paragraph). Its listed well and you have explained why.

But if you are doing it online, I think you have exceeded the maximum word limit!

larzie30

Hi Skylight

Thanks for your reply, I think I always exceed the maximum word limit. lol There are a couple of dates i need to confirm for myself but just wanted to see if the basic thing is okay. Didn't want to waffle but wanted all the circs there particularly that I took the loan in april this year in good faith because otherwise I think that could cause me some issues.

Cheers again

L
xx