urgent problem i think

cassietony

ok got BR hearing this friday made long overdue decision to go BR on weekend so happening very fast. Just closed one bank account that me and hubby had joint didnt use it so just closed it. Problem is have joint account which all benefits etc go in, just been to see about taking my name off it, but need to make appt which cant get untill thursday!!! im in court friday should i alter court date which i dont really wanna do.... help !!!

fredfedup

Could you not ring benefits and ask for a giro to be sent until you get new account sorted. This what I did. It may delay your payment, but at least you will still get it. Child Benefit don't send a giro but will just hold cash till you are ready.
fred x

cassietony

ive sorted benefits out,problem is it getting my name off joint account so hubby is not associated with my bankruptcy. Will they be able to close it instantly on Thursday? starting to panic

hopefulfooluk

Cassietony,

From what I can gather, you are doing all of this far too hastily.

Slow down.

Get all the advice you need from National Debt Line / CCCS and discuss things with us here before you do the deed. As desperate as it may seem, you've not had any problem getting an appointment at your local court so there's nothing to be lost by taking a bit of time to gather the information you need to make an informed decision. From reading your posts today, I think you are rushing into something that should only be done when all other options have been exhausted - you need to make it clear in your mind that this is absolutely the last straw and that your creditors won't accept any other proposal. As far as I can tell you've not even told your creditors/CCCS that your DMP is unmanageable yet.

Bankruptcy stays with you for life - it's not something anyone must rush into.

Apologies if you've considered this a lot already - we can't tell you what to do - but please, please take proper advice and sleep on it for a week or so before coming to a decision about what you are going to do. Besides you need to save your bankruptcy fees too, and if you're in a position to obtain these easily within 3 days (which it sounds like you are), then I would suggest bankruptcy is not your best option.

Just be cautious.

cassietony

is there anyway i can pm you on here?

nuttyp

If its any help, when i went BR and OH didnt they didnt automatically close down the account we held in joint names. I did sort out a replacement bank account before i went BR so that child benefit was automatically sorted out. I would recommend sorting a new BASIC account prior to the BR hearing. Depending on who your with currently, coop do a basic account, some are lucky with barclays and lloyds.

But most importantly you need to speak to citizens advise or one of the other debt charitys (if you havent already) to make sure that this is the right choice for you.

Best wishes and good luck for friday.

dojoman

Lloyds will not touch a BR with a bargepole. Also here are some useful links.

https://www.nationaldebtline.co.uk/
https://www.citizensadvice.org.uk/
https://www.cccs.co.uk/



Below is a link you may found helpful about going BR?

https://forums.moneysavingexpert.com/discussion/1056083

Also this link to the Insolvency Service is useful!

http://www.insolvency.gov.uk/

debtinfo

hi cassie, you can pm me if you need to (click on my name), as the others have said dont rush into it, you have plenty of time before you get any serious troublr off creditors nd its important to make sure it has been properly thought though first

bat-out-of-hell

debtinfo wrote: »

hi cassie, you can pm me if you need to (click on my name), as the others have said dont rush into it, you have plenty of time before you get any serious troublr off creditors nd its important to make sure it has been properly thought though first

Ditto, both re the the creditors and the PM....

Or have things got to head with a creditor, and if it has, is it legal, or are they useing unfair tactics to make you think they have more power than they have??

Has any of your creditors got any form of court order yet?

wok_boy

hopefulfooluk wrote: »

Cassietony,

From what I can gather, you are doing all of this far too hastily.

Slow down.

Get all the advice you need from National Debt Line / CCCS and discuss things with us here before you do the deed. As desperate as it may seem, you've not had any problem getting an appointment at your local court so there's nothing to be lost by taking a bit of time to gather the information you need to make an informed decision. From reading your posts today, I think you are rushing into something that should only be done when all other options have been exhausted - you need to make it clear in your mind that this is absolutely the last straw and that your creditors won't accept any other proposal. As far as I can tell you've not even told your creditors/CCCS that your DMP is unmanageable yet.

Bankruptcy stays with you for life - it's not something anyone must rush into.

Apologies if you've considered this a lot already - we can't tell you what to do - but please, please take proper advice and sleep on it for a week or so before coming to a decision about what you are going to do. Besides you need to save your bankruptcy fees too, and if you're in a position to obtain these easily within 3 days (which it sounds like you are), then I would suggest bankruptcy is not your best option.

Just be cautious.

What do you mean bankruptcy stays with you for life? No one has ever given anyone that impression before, as far as were all concerned 6 years after the BR date it disappears off your credit file and thats it.

bat-out-of-hell

wok_boy wrote: »

What do you mean bankruptcy stays with you for life? No one has ever given anyone that impression before, as far as were all concerned 6 years after the BR date it disappears off your credit file and thats it.

If you are ever asked if you have ever been BR, you must answer yes.

So yes, it can be with you for life.

Depends if you want to take on the fight if it is a relavent question or not, cityslicker has already highlighted this re insurance, but it applys to so much more.

I am surprised you are surprised by the statemant:(

this worries me greatly