The Bankruptcy Club & Supporters Club

monkeyy

sandralovescats wrote:

I think I am finally getting somewhere!! I think I have found someone who is willing and able to help!!
Fingers crossed!
More later

congrats:j


I rang the court today and they have sent the papers out ,cant wait to get them signed an off and hopefully have this sorted by xmas.

Just one thing would it be wise to take the£450 out of my account before my loans dd takes most of it? so far I have managed to keep up with loan repayments but I figure if im goin br im just as well use the cash.

Mike_St_Helens

monkeyy wrote:

congrats:j


I rang the court today and they have sent the papers out ,cant wait to get them signed an off and hopefully have this sorted by xmas.

Just one thing would it be wise to take the£450 out of my account before my loans dd takes most of it? so far I have managed to keep up with loan repayments but I figure if im goin br im just as well use the cash.

Woooow ... Monkeyy !! Dont pay them, What is the point. Even Professional IP's would say not to pay them. You draw all the money out.. Youll need it for after BKY !

gettingitsorted

I agree with mike i cancelled all dds and saved the money else where.

well done monkeyy :T

sandralovescats

monkeyy wrote:

congrats:j


I rang the court today and they have sent the papers out ,cant wait to get them signed an off and hopefully have this sorted by xmas.

Just one thing would it be wise to take the£450 out of my account before my loans dd takes most of it? so far I have managed to keep up with loan repayments but I figure if im goin br im just as well use the cash.

Do It Online!! It is so much easier! Particularly if you are apt to make mistakes!

https://www.insolvency.gov.uk

Mike_St_Helens

Make sure you canx the DD's though, stops one lot of charges with the current account.

monkeyy

Mike_St_Helens wrote:

Woooow ... Monkeyy !! Dont pay them, What is the point. Even Professional IP's would say not to pay them. You draw all the money out.. Youll need it for after BKY !

Just rushed out and got my £300 from the bank, thanks for the advice guys, its gonna be kind of bittersweet the halifax finding out after the 3 years of hell they have put me through:beer: I think they have had their moneys worth with the 2 stone ive lost in 6 months with them threatining me at every turn.

monkeyy

sandralovescats wrote:

Do It Online!! It is so much easier! Particularly if you are apt to make mistakes!

https://www.insolvency.gov.uk

I did try last night but the code they sent me to accsess my account kept coming up incorrect Will prob wait for the forms and then take them to the cab to double check.

scootw1

When I file for bankruptcy, will I have to inform electric, gas, water, council tax office etc? I have been told you no longer have DDs with the utilities but have pre-pay? Is this correct? Obviously I will have to set up the DDs again as they will be cancelled when I inform the bank

gettingitsorted

Hi scoot

i have not had to inform any utilities that im bankrupt all i did was opened a basic bank account and changed my dds to that account

Mike_St_Helens

scootw1 wrote:

When I file for bankruptcy, will I have to inform electric, gas, water, council tax office etc? I have been told you no longer have DDs with the utilities but have pre-pay? Is this correct? Obviously I will have to set up the DDs again as they will be cancelled when I inform the bank

I agree with GIS, As long as you are not in arrears with the utilities then you will be fine. If you owe Council tax, a line is drawn and a new accounting period till year end starts again.