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The january 2012 bankruptcy club

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Comments

  • IF
    IF Posts: 34,349 Forumite
    10,000 Posts Combo Breaker
    dfub wrote: »
    Thank youu!! I will re-read my 6.28 and have it in front of me too (as suggested by OR also)
    I do not have any bank stements or anything like that, will the OR take a dim view of this? I'm not hiding anything per se, as the reasons for debt were put on the 6.28. But surely he'll be able to get copies if he wants? Won't he?
    I also put down I did some (very small compared to the debt) gambling (Feb 2010) so was JUST within the 2 years. He said he will ask more questions about this. Do you have any idea what these might be, just so I can prepare?

    No they won't take a dim view about not having bank statements they can get these themselves. Just be honest about the gambling, where when and this really shouldn't be a problem......unless it was a cause of your BR.

    Deep breath's for friday and you will be fine dfub ;)

    If...x
    "If wishes were horses, then beggars would ride"
  • dojoman
    dojoman Posts: 12,027 Forumite
    Bump.....................
    :pB&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
  • needmakemoney
    needmakemoney Posts: 7 Forumite
    Hi All,

    thinking about going BR this month after 3 years of trying to clear my debts. I have 4k in savings which is not enough to clear any of my debts or even offer. My question is can i spend this cash before my BR and if so what kind of expenditure wouldn't be frowned upon or reversed by the official receiver?
  • dojoman
    dojoman Posts: 12,027 Forumite
    needmakemoney wrote: »
    Hi All,

    thinking about going BR this month after 3 years of trying to clear my debts. I have 4k in savings which is not enough to clear any of my debts or even offer. My question is can i spend this cash before my BR and if so what kind of expenditure wouldn't be frowned upon or reversed by the official receiver?

    Day to day living, rent deposit or essential goods, anything else like holidays etc could land you in trouble with the OR.
    :pB&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
  • IF
    IF Posts: 34,349 Forumite
    10,000 Posts Combo Breaker
    Bump..............yahoo_bigsmile.gif
    "If wishes were horses, then beggars would ride"
  • dojoman
    dojoman Posts: 12,027 Forumite
    Bump........................
    :pB&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
  • dojoman
    dojoman Posts: 12,027 Forumite
    Bump..........................
    :pB&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
  • IF
    IF Posts: 34,349 Forumite
    10,000 Posts Combo Breaker
    Bump..............x
    "If wishes were horses, then beggars would ride"
  • watcher27
    watcher27 Posts: 210 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    dojoman wrote: »
    Day to day living, rent deposit or essential goods, anything else like holidays etc could land you in trouble with the OR.

    You've got me worried now! When i had my call with the CCCS and they were helping me fill out 6.28, the guy told me to put down £20 a month for holidays/trips for each member of the family. As there are 3 of us he said to put down £60!!! :(

    He said the OR won't allow "entertainment/hobby" expenditure but he said weirdly they do allow the holiday money?!

    I have yet to hear anything from the OR since monday.
  • dojoman
    dojoman Posts: 12,027 Forumite
    watcher27 wrote: »
    You've got me worried now! When i had my call with the CCCS and they were helping me fill out 6.28, the guy told me to put down £20 a month for holidays/trips for each member of the family. As there are 3 of us he said to put down £60!!! :(

    He said the OR won't allow "entertainment/hobby" expenditure but he said weirdly they do allow the holiday money?!

    I have yet to hear anything from the OR since monday.

    I wasn`t referring to an SOA but a lump sum that the poster was asking what they could do with it before going BR.
    :pB&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
This discussion has been closed.
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