Going br in london high court

PixiePie

Mrs_Confused wrote: »

thanks pixie pie, great stuff
my other major problem now, is that knowing my bank account would be frozen any minute now, overdraft well over overdraft limit !!!! my cousin very kindly said I could have my wages paid into her bank account, which I did when I got paid in July.

I have her spare cash point card so I can get my wages out, i had posted asking if the OR is going to want to see her bank account statements, some replies came back no, but I had a reply from a CCCS and they said they would want to see where my wages are going and I would have to account to the OR regards where they are paid in and what I spend them on, which means dragging my cousin into my BR. all that happens is my wages go in and I draw the exact amount out over 4 days, will they really need to see her bank statements, she wont be too pleased. Thanks again

Not really sure what CCCS are going on about as that's tosh. I had my wages paid into my partners bank account from the day after I went BR (started a new job the day after), and they never saw his bank accounts - it's none of their business being our attitude - and what you spend your money on is up to you. As long as you can provide wage slips and proof of things like rent etc then you don't have to prove you are spending money on those things in actual reality - eg I supplied my wage slips, and rental agreement (with rent amount) and a letter from my landlords agent saying that rent included water, gas and electricity, hence no seperate bills, but a higher rent than usual, and that was fine. That will then tell the OR what your surplus is, and they can calculate any IPA (or not) based on that.
If the OR asks for statements tell him/her that your cousin is not allowing you access to statements but you can provide all the other information for them to show you are trying to assist them in their job. This is what I said to mine (I should point out I got a real power hungry twit) and he threatened me with being able to pull them anyway, which I sort of got into a bit of an argument about as my partner's bank account has payments from clients into it, which are highly highly confidential due to the nature of his business and the clients he has, and waved the Data Protection Act around at the OR. He basically said they are above the law and can pull the records anyway, even though me OH wasn't the one that went BR. The upshot was, he didn't and several people have told me since he was lying through his teeth just trying to scare me into giving the statements to him as it basically made his job that little bit easier - really horrible little man - and everything was tickety boo. Imho it must be a semi regular occurance due to the BR bank account issue, so you'd have thought the OR's office will be used to it happening and for whatever reason the other party not really wanting their affairs gone through - they're not the one going BR though, so the OR doesn't automatically have the right to go rummaging if the information can be verified in a different way.
So just tell them that you can't get the statements off your cousin but you will co-operate fully with all the details they need.

rog2

Mrs_Confused wrote: »

Has anybody gone BR in London?
I ask because as I have not been in UK in last 6 months I have to go to London to go BR, are they kind and understanding in London, now I feel really scared about doing it.
Can anybody put my mind at ease.
Thanks

As a veteran of the 'Royal Courts of Justice' myself, I can only vouch, as PP says, that they were extremely courteous, kind and helpful to me.

restofmylife

I also went BR in March at RCOJ you will find my post of my experience if you search under my name but all I can say is that it was absolutely fine.

Best of luck x

rog2

You can read my account in the following thread (albeit it was posted one year after my bankruptcy (this board didn't exist when I was declared bankrupt ):

http://forums.moneysavingexpert.com/showthread.html?t=584800

I'm still around to tell the tale, so it wasn't all bad.

Mrs_Confused_3

Thanks everybody
I dont have pay slips as such my employer is in UK and Im not ! I have to send him an invoice type pay slip, and I dont pay tax where I am as I have not been asked to yet by our finance tax dept, but as when they do ask me to register for tax here, it will be 20% which I am responsible to pay. its not the same system as being employed in UK.

Mrs_Confused_3

And doing the job I do where I have to refer purchases to mortgage companies I think my employer would sack me! I really hope they dont have to contact employer, or he may put me on commission only then I would be really stuck. Thanks again everybody