Chiltern : The debt people

Trophben

Morning all,

I am currently in the early stages of bankruptcy and have enlisted the help of Chiltern: the debt people for advice with the possibility of paying for their help. Has anybody had any dealings with this group or heard any feedback??

Many thanks

IF

Hi Trophben and Welcome, please don't pay anyone to help you go BR. Please use one of free debt charities listed below. The process is straight forward and we can help with the BR forms.


For ‘essential’ BR info this is Fermi’s sticky - Click here

Main recommended sources of help:

• National Debtline - Website: National Debtline Telephone: 0808 808 4000
• Citizens Advice Bureau - Website: Citizens Advice or visit your local CAB centre (find nearest)
• Consumer Credit Counselling Service - Website: CCCS Telephone: 0800 138 1111
  

Others:

• Business Debtline - Website: Business Debtline Telephone: 0800 197 6026
• Christians Against Poverty
• PayPlan
• TaxAid - Help with tax debts.

And do remember we’ve all been through this and anything you don’t understand don’t be afraid to ask.

Best wishes
If...x

Trophben

thanks for the swift response , i have spoken to cccs before and the CAB and didnt have much confidence in them. How "easy" is it to do the paperwork myself , and what are the timelines like?

fermi

Where in the UK are you? England/Wales? Scotland? NI?

Trophben

england nottinghamshire

fermi

Trophben wrote: »

england nottinghamshire

In that case there are dozens upon dozens upon dozens of people here who have experience filling in those forms.

They forms look intimidating, but are not really that bad.

In the very unlikely event that there is something we can't help with, then you can speak to somewhere else free like National Debtline who are very good. Or as a completely LAST resort, pay for help.

Otherwise, I honesty wouldn't throw good money down the drain paying for help that can be had for free. Plus I've heard some horror stories about firms that "help" you go BR.

The BIG thing however is, have you been advised that bankruptcy is your best option? If so, by who?

That is one thing we can't do. We can't say whether it is your best choice.

The court will normally ask whether you have taken advice that BR is in your interest, so it's a step that can't/shouldn't be skipped.

Trophben

I have spoken to the National debtline and to CCCS and they have both confirmed that bankruptcy is unfortunately the best way forward for myself. It is not something i take lightly and to be honest im quite ashamed that i find myself in this situation. I have been advised to download forms 7.26 and 7.28 from the insolvency website however they are saying that its forms 6.27 and 6.28.

Thanks for the swift responses on here i was on the brink of handing over borrowed money from the family , your responses have saved me £800

fermi

If you are going personally bankrupt, then it is forms 6.27 and 6.28.

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

There are links in that thread to the forms, examples of how they are commonly filled in, guidance notes on filling them in, and other explanations/factsheets on how to petition for your own bankruptcy.

Anything that you can't find the answers to there, then feel free to ask on the board.

mandyl

trophben
dont pay anyone, seriously if i can do the forms with help on here then anyone can
they look awful mainly cos there so long but they are ok once you get started

ensenar

I paid for help, but due to my high income / debt levels it was affordable. HOWEVER I would strongly urdge you to think long and hard before paying for any service as it is possible to do it on your own .. with some great help from the forum, CAB, CCCS etc.

Paying for help took some of the pressure away for me as I really utilised the service but knowing what I know now I would never pay for insolvency advice again.
They are really cashing in on people in times of crisis and often take advantage...