The Bankruptcy Club & Supporters Club

goonergirl

Oh by the way this is what the insolvency service have just told me about whether I can be present when OH has interview

Whether or not you can be present at your partner's interview is entirely at
the discretion of the insolvency examiner conducting the interview. I would
suggest that you contact the examiner before the date of the interview to
explain your circumstances and ask them if this is something they are
prepared to allow.

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goonergirl

Nicky wrote:

Actually, scrap that - I see the picture - so basically, your saying the reason your OH borrowed money was so that he could fund his socialising, but now YOU have made him realise he cannot do that anymore and will no longer be doing that.

Yes, that's basically what you will need to put if there is no other reason.

The OR may apply a Bankruptcy Restriction Order which basically means the implications of bankruptcy may last longer and he won't automatically be discharged after a year.

Its all basically down to his ignorance (not meaning to sound rude) of your finances and burying his head in the sand making himself believe that his actions isn't affecting anything so he can do as he pleases.

This has just got to be faced head on, at least it might help him understand the implications that have been caused to your family due to his socialing (Although he may not admit that to you) - he's just got to face up to it and deal with the consiquenses.

Well done to you for sorting all this out for him, I hope he realises all the effort you have put into this on his behalf.

Ok sorry to sound dumb now!
but are you now meaning that I should put the orginal bit I wrote(the overdendance on alchol) or the second rambling bit about me working for myself etc?

nothing ever simple in this household I tell ya!

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Nicky_3

Do you have credit cards in your name which you are paying bills with??? Or are the credit cards in his name?

goonergirl

No everything is in his name I have no credit or credit cards

because shamefully he got me into this situation when I first had our son and then left me!
so I had to go bankrupt at the time it was about 6 yrs ago now but the CAB at the time did it all for me as I was in such a mess (but owing a lot less than now)
but please don't ask how I could be so stupid to get in this mess again because I beat myself with that stick everyday. Lets just say one day blurs into another and somehow you wake up one morning and its all a mess again! (i know you probably think badly of me now! when you were trying to help me!)

angie
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Nicky_3

I would put both, because there has been a reduction in income which adds to the fact that you/your OH could not keep up with the repayments.

Basically you could put it down to a reduction in your joint income and overspending.

goonergirl

Ok thanks Nicky
I will have another go at wording it. I no some people have said not to say more than you need to on this but I don't know how to explain as there is no ONE reason its a variety of little reasons.

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Nicky_3

I don't at all think badly of you angie, I think you need a medal. Your OH has put alot of pressure on you and sounds like he has not been helping things when you have bent over backwards, not only to help him, but the emotional stress that you must have gone through/going through - I think I would have thrown him out on his ear by now.

Its not your fault, so stop blaming yourself.

He needs to understand that there are consequenses to his actions, he obviously still doesn't understand that as yet.

The OR will be asking him to account for his actions and hopefully it might make him look at things from a different angle, because you certainly don't deserve to be suffering because of someone else's problems.

goonergirl

I know he is a total pain and he really hasn't grown up yet! think the shock of this might ??? I have tried to throw him out so many times but stupidly I always give in (think mainly to tired to fight with him LOL)

Ok this is my redraft:
The thing that causes me (us)not to have enough money to pay our creditors is in part to my overspending, oversocialising and overdependance on alcohol, this means our household budget is spent, then food petrol, household items etc were put on credit which then lead to paying credit with cards / overdrafts in a vicious circle. Any emergencies also put on credit cards.
Our joint income was reduced last year when my partner gave up working for herself as it was not being profitable and recently I have been off work with a bad back and extra expenditure for emergency Oestopath sessions have caused further problems and brought to a head the situation I am in where I now realise I have had my head in the sand for too long while our finances have spiralled out of control.

thanks
angie
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charlies30

sandralovescats wrote:

Welcome! Mike will be along shortly to give you a number

Have you got the paperwork done yet? Online is best https://www.insolvency.gov.uk

Thanks mate, much appreciated!

Have done most of it, but will finish the amounts owed on the last week. Though am now realising just how hard it is to cost everything you own is :eek:
You don't even think about it most of the time & then someone tells you to explain yourself. Need to finish tax return first though!!

goonergirl

just out of interest
what is the worst that can happen to you if they deem you caused your own downfall?? I mean could you go to prison ? or could they take all your income or stop your tax credit/child benefit?
Only Im beginning to think we are actually much worse off than I at first thought all our own fault and I think I should be aware of the worst fate possible.

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