Please help?? New member in need!!!

curly04

I can't tell you what to do but I will say if that's a reasonable rent in your area you have nothing to lose.

good luck keep us informed
x

MicheH

Hi, I don't think that excessive at all, like you say - it is so difficult finding somewhere who will rent to bankrupts, you have a little one too. I bet it's not even mentioned.

As for uprooting your one year old. My youngest was 13 months old when we moved. I was devastated that I had done this to my children.. eldest then 4. My girls love our rented house. 4 months in and the little house in ******* is long forgotten.. by the children anyway. Your little one will thrive from having two chilled out parents

scaredandskint

Thanks you guys,will defo keep you informed d day tuesday at court,although unsure when i will get the call with christmas hoildays.Am gonna go 4 the house and hope i have a nice o.r.

fredfedup

The rent sounds fine to me. Just wanted to say read all the sticky's on the first page. Loads of valuable info there, and ask as many question as you need! Welcome and Good Luck. It is scary, but it is really the best thing you will ever do. A debt-free, stress free future.
Fred

kerrypn

scaredandskint wrote: »

First of all thank you 4 looking,My husband and i finally decide to get advice from cccs and told us it was best to go br!!!!!!!!Totally gutted and un expected,thought we would get dmp or iva,anyway after 4 wks of tears,no sleep,hardly eating,im getting used to it,not to mean i like it though!!!We file for br next tues :eek: And is dreading the o.r!!!,what i really need help with is............The people as cccs said we would be best to walk from the house and rent as they would prob tell us to leave any way as we hav secured loan attached to our mortgage,and so they could set up an ipa.(we are in negative equity too).Looked at a house to rent today,am signing for the house next monday,but now im worried that the or may say the rent is too high???Were i live like most places theres nice areas and bad,needless to say i want to live in the nicer areas,not coz im being a snob,but my husband works away for a month and only home a week,so i want to feel safe while away.The rents not the cheapest,but not the most expensive either,what do you guys think?Can they choose how much im allowed to pay on rent???Please help,and please also tell me there light at the end of the tunnel,coz im in a dark place at the mo xxxx

Hello and welcome

First if all, the OR is human, so please dont panic too much-they are courteous, polite and professional in 99.99% of people's experiences.

Have you read up on bankruptcy yourself? If not there are some great stickies at the top of here or look at www.insolvency.gov.uk for more information. Be prepared, knowledge is power etc etc.

I know CCCS are doing your forms, but make sure you are claiming the full living costs to make sure you can live comfortably after BR. You can fill on in here http://www.makesenseofcards.com/soacalc.html and post up on your thread-lots of very experienced people here will help you with it.

Also, this will help you work out roughly what amount of IPA you might get too.

As to the rent, just as reassurance, my income plus my DHs income is approx £1300 per month. Our rent is £550, rising to £595 in Feb-our OR was fine with this-we left behind an £850 mortgage payment :eek:.

Remember to keep the house insured until it is formally repossessed-buildings will suffice-and the OR should allow this as essential expenditure on your SOA.

Keep posting-you will get lots of fantastic advice on here, and it will help to voice your fears and worries.

One more thing-stop paying all creditors now, including the mortgage if you are giving up the house-save this for your BR fee.

Good Luck

Kerry