Northern Rock HAVE blocked sale of the house

kerrypn

The last time he had a back account was 2000 he ran up an overdraft with his ex on it( just in his name though). Since then he has only dealt in cash. I would personally guess around 15k per annum, but I am worried if he underestimates its going to make a VERY bad situation even worse. He is a lovely person you know, he is just a nightmare with money. He won't go to prison though will he? (Sorry I am panicking now). The taxi company has changed hands approx 2 years ago, and he owes the owner money for track. He got a threatening call of one of his henchmen today

We were going to put the solicitors fees on his BR but I was worried that then it would just fall to me anyway?

I am FAR more stressed about his bankruptcy than mine-especially because I didn't know about a lot of debts that pre date me-he only told me today whilst doing the SOA. His personal debts will rack up to 20k plus whatever the tax would have been plus the shortfall-I am so shocked, he never let on! To make matters worse, I told him to get his credit report so we could double check what is owing, gave him my card for the free trial thingy and its blocked it because its not his card and now I am worried we/he will get in trouble for that too!!!!:eek:

I am having a very bad day

debtinfo

Sorry, i didnt mean to stress you, and try not to worry with the shortfall it is very likely to only be a very small bit of the bankruptcy so he should be ok, he wont go to prison dont worry.

go relax, you have more important thing to think about at the moment

confused76

hi kerry i really can't see your oh going to prison, please get that out of your head....

i wish i could help...

you're not going to get into trouble re the credit report, it probably failed security tho. he may have to ring up and set it up over the phone? it is sortable tho

so sorry you're having such a nightmare. just remember things will get better tho. you're right in the middle of it now, but it will get better! x

kerrypn

Debt, you don't need to be sorry, I would far rather know what will happen. I always suspected a BRO for the tax thing-I have warned him up to 15 years-of course that went down like lead balloon. I dont think it would be a bad thing if he could never get credit again. Some is behind my back, he has really shocked me-Ive never hid anything from him-and whats scarier is he cant really remember everything he owes!

Thanks confused, I am in a mess but I will feel better when everything is out in the open Glad we wont be in trouble for the credit report too

debtinfo

Thats the classic male thing, dont want to admit when we have messed up and so try and hide it, Its a failing of our half of the species im afraid

kerrypn

Its OK I am making him suffer-I havent had to make a cup of tea all night

Just hope he doesnt get too much of a roasting from the OR-he acts really tough but he isnt and I can see there being tears-especially if they face to face him.....

MicheH

He's a big softy eh. You would be surprised at how you can really and truelly wonder where the money has gone. I let DH take charge of our finances, that was a mistake because I couldn't keep up with what was going on, he borrowed more and more just to keep us a float. When we totalled it all up I was absolutely horrified, I had no idea it was that much and by his reaction neither did he. It is so easy to do, i'm not saying it's right but what i'm saying is I doubt he never deceived you, it just would have spirralled i'm guessing. I think about you throughout the day, but like confused said you are slap bang in the middle of sorting this out.. the muddy waters are more like tea now, there's ideas and ways forward coming out of the woodwork. Go make him a cup of tea, tab heads and make him promise he is never ever to be stupid with money again. DH and I have both learned so many lessons as you have, BR does this to you, we're all sitting here thinking the timing is rubbish for you but no.. in two months time this will have all blown over, your baby will be here and you will have a stress free new start, you'll be totally in control of everything. Timing is great, just get through it thinking of flowers and butterfies for bubs' sake.

It'll be better.. soon x

confused76

kerrypn wrote: »

Its OK I am making him suffer-I havent had to make a cup of tea all night

Just hope he doesnt get too much of a roasting from the OR-he acts really tough but he isnt and I can see there being tears-especially if they face to face him.....

good move on the cuppa front

my bro went br and had a gambling problem (different situation i know but one where or could come down like a ton of bricks). he just held his hands up to it, said how sorry he was and that he would never get in this situation again. i never thought my bro would cope owning up and facing a grilling but he did, he took it on the chin and i'm proud of him for getting on with it.

your oh will need to do the same, the consequences might not be as bad as you think if he shows genuine remorse and looks like he understands the severity of the situation. he will just need to be honest. he will get through it, i know it!!

kerrypn

I hope he will be OK, I have told him how important it is to be honest, I think after his OR interview-right near xmas probably :eek:-we will both feel better for knowing what will be done.

I can always rely on you lot to calm me down

Charming_Monkey

Kerry, still really sorry to here that you haven't had a resolution from NR, their behavior has been dispicable. I still think that you need some legal advise on how to excert pressure on them to make the sale of the house go through. But I agree with everyone else if you're 7 months pregnant you also need to be looking after yourself and the baby. I'm sorry I haven't any practical advise but take heart that there are a lot of people here really concerned and rooting for you.