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Br.Question

hi there
there is a question at Br.form asking to write down the amount owing to creditor,,how can i find out exactly how much i owe i mean shall i add the interest or not
many thanks
«1

Comments

  • fermi
    fermi Posts: 40,544 Forumite
    Car Insurance Carver! Debt-free and Proud! Newshound! Rampant Recycler
    Put down what you know to the best of your knowledge. It doesn't have to be exact, as the OR will make enquiries (so to speak).

    So either the last figure you had, what it now shows on your credit report etc... Whichever you think is most likely to be closest.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • sam222
    sam222 Posts: 138 Forumite
    First Anniversary Combo Breaker First Post
    many thanks for reply
    can i ask which address shall i write down for example i have diffrent address for barclay bank as one of my creditors

    many thanks
  • fermi
    fermi Posts: 40,544 Forumite
    Car Insurance Carver! Debt-free and Proud! Newshound! Rampant Recycler
    Whichever address you have. For big banks like that it doesn't really matter, as the OR has their own address/contact list which they will use when they write to creditors rather than the one you list.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • sam222
    sam222 Posts: 138 Forumite
    First Anniversary Combo Breaker First Post
    many thanks for reply
    can iask section 4 BR.FORM SAYING LIST DOWN creditors also date incurred,,one of my creditors is barclay card i don't know what date shall i write down for date incurred,,,,also can i ask about new low ((social loans/march 19th 2012))) how efecting us and those r in the Br.prossess
    many thanks
  • fermi
    fermi Posts: 40,544 Forumite
    Car Insurance Carver! Debt-free and Proud! Newshound! Rampant Recycler
    With a credit card put down when you opened the account or roughly the date you put most on the card. Doesn't really matter, as if the OR has queries they will check statements anyway.

    Social fund loans depend on the date you go bankrupt.

    If you go bankrupt before 19th March, then they will be covered by the bankruptcy. If you go BR on or after the 19th, they won't.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • IF
    IF Posts: 34,349 Forumite
    First Post Combo Breaker
    Hi Sam, I just put the date I thought I'd got the card and in brackets put Approx and the OR was fine with it.

    2006 (Approx)

    Best wishes
    If...x
    "If wishes were horses, then beggars would ride"
  • sam222
    sam222 Posts: 138 Forumite
    First Anniversary Combo Breaker First Post
    Hi there
    Section 8.,,Q.8.2 Br.form is saying give details of any properties you rent or lease,,currently i am living in a council property , shall i write it down here.
    many thanks
  • debtinfo
    debtinfo Posts: 7,012 Forumite
    yes you should :)
    Hi, im Debtinfo, i am an ex insolvency examiner and over the years have personally dealt with thousands of bankruptcy cases.
    Please note that any views i put forth are not those of my former employer The Insolvency Service and do not constitute professional advice, you should always seek professional advice before entering insolvency proceedings.
  • sam222
    sam222 Posts: 138 Forumite
    First Anniversary Combo Breaker First Post
    Many thanks

    Currently i am on ESA,,Section 6,,Q 6.4 say how much tax do you usually pay each month? or Q6.5 say how much National Insurance you pay each month? am i correct if i put down NIl

    many thanks
  • sam222
    sam222 Posts: 138 Forumite
    First Anniversary Combo Breaker First Post
    Many thanks

    Currently i am on ESA,,Section 6,,Q 6.4 say how much tax do you usually pay each month? or Q6.5 say how much National Insurance you pay each month? am i correct if i put down NIl

    many thanks
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