Complusive Gambler

bankruptcy123

Hey there thanks for the guidance just a A question for you guys now that I have a clear head and feel bankruptcy is the way forward the the numerous banks that I have defaulted with have started to send letters and try contacting me its been at least 2 weeks of constant bombardment when will they get the hump with me and what will they do next? When should I start bankruptcy proceeding as soon as possible or can I wait a few days or so because I have a few issues with my ex who thinks he can try marching back into my life as and when he wants

sundays

dont forget to put in oyster card expenses, as well as amount for the dentist, optician , gp.

debtinfo

bankruptcy123 wrote: »

Hey there thanks for the guidance just a A question for you guys now that I have a clear head and feel bankruptcy is the way forward the the numerous banks that I have defaulted with have started to send letters and try contacting me its been at least 2 weeks of constant bombardment when will they get the hump with me and what will they do next? When should I start bankruptcy proceeding as soon as possible or can I wait a few days or so because I have a few issues with my ex who thinks he can try marching back into my life as and when he wants

There is no need to rush into bankruptcy, it can be many months before they can take any meaningfull action against you, so take all the time you need before doing it, it is not easy to undo if you think you made the wrong choice later

Amiga

Just wanted to pop in and wish you all the best. I am the "author" of the link you were sent to. I know how bad you are feeling at the moment, and if you do decide to go down the bankruptcy route, the people here will be able to guide you. It is a hard path but you will get through it. Oh and the OR will ask if you have stopped gambling, so it may be best to take steps to stop right away.

Again all the best!

bankruptcy123

hey there guys I have now been to the CAB and they agreed that bankruptcy is the have way forward I have fillied in both the relevant forms. My questions are firstly do I just turn up at the high court before 9am my debt is over £100k. I think there was a thread before of a person who explained everything that went on any chance of reupping that thread thanks sweeties xx

IF

bankruptcy123 wrote: »

hey there guys I have now been to the CAB and they agreed that bankruptcy is the have way forward I have fillied in both the relevant forms. My questions are firstly do I just turn up at the high court before 9am my debt is over £100k. I think there was a thread before of a person who explained everything that went on any chance of reupping that thread thanks sweeties xx

If it's the Courts of Justice in London these thread's may help:-

onward’s thread - Click here

Hanky3 thread - Click here

Remember these are quite old threads now and do check times by ringing the court and the fees maybe wrong too.

Hope this helps though :think:

Best wishes
If...x

bankruptcy123

hey guys finally took the plunge on Friday gone and went to the roll building in fetter lane and gave in my paperwork and by 3.30pm I was declared bankrupt!. I have debt over £100k and the friendly clerk said the official receiver will ring me in 2 working days with some questions which is tomorrow what can I expect? Secondly my debt is with various banks including Barclays and the Co-Op will they let me open an account because I bank with Santander who I have no debt with. I feel relieved but feel nervous about the phone call and maybe interview with receiver

OutofDebt-NOT-OutofDanger

Congratulations - onwards and upwards from here!

The OR will just ask about anything that is not clear on your forms - nothing to really worry about, but do set aside an hour or so. They'll probably want to know if you've stopped gambling, what help/support you are getting/seeking with the gambling and when the loans/credit cards were taken out - more of a discussion than an interview.

Can't really advise about Santander, but I believe they are more likely to freeze your account now you are BR.

I also had debts with both Barclays and Co-op and opened an account with Secure Trust Bank (you have to pay for it though). That said, Co-op did not freeze the cashminder account and now that all the other accounts have disappeared (I had other post BR issues with them), I will start using it again!

IF

bankruptcy123 wrote: »

hey guys finally took the plunge on Friday gone and went to the roll building in fetter lane and gave in my paperwork and by 3.30pm I was declared bankrupt!.

I'm pleased it all went well BR123 :beer:


I have debt over £100k and the friendly clerk said the official receiver will ring me in 2 working days with some questions which is tomorrow what can I expect?

It will just be a quick call to check name address etc, then your main one later. Which will be a face to face one.

Secondly my debt is with various banks including Barclays and the Co-Op will they let me open an account because I bank with Santander who I have no debt with. I feel relieved but feel nervous about the phone call and maybe interview with receiver

Co-op will not let you open a basic account with them but Barclays will, please click on BR friendly bank accounts link below for more info:-

BR Friendly bank accounts sticky.

Here's to your new start BR123 :beer:
Best wishes
If...x

bankruptcy123

Thanks love for the quick response I will look at that secure trust account I will need to set something up quick before my direct debits start bouncing if my santander account is frozen. Can I open a barclays or Co-Op account tomorrow even if I am bankrupt or will they be funny about it?