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Voluntar surrender before BR
Sunshine2114
Posts: 71 Forumite
Lots of different threads n info do wanted to ask and get done views
I called NRAM today n asked to vutary surrender .. They ok n sending out forms .. I explained £16k negative equity etc .. I asked where I legally stood if I signed forms to surrender in Feb regarding equity as we are going to file BR in June .. Couldn't answer n apparently that team are non customer facing ...
So if I sign these forms n then file got BR in June how does this affect me in future any ideas who I call ? I'm only wanting to sign as due to changes with concll tax etc we will have to pay this now as well as uniccupied insurance costing me £145 a month which I dont have :-( so want out ASAP ..
I called NRAM today n asked to vutary surrender .. They ok n sending out forms .. I explained £16k negative equity etc .. I asked where I legally stood if I signed forms to surrender in Feb regarding equity as we are going to file BR in June .. Couldn't answer n apparently that team are non customer facing ...
So if I sign these forms n then file got BR in June how does this affect me in future any ideas who I call ? I'm only wanting to sign as due to changes with concll tax etc we will have to pay this now as well as uniccupied insurance costing me £145 a month which I dont have :-( so want out ASAP ..
0
Comments
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It's fine to sign the forms BEFORE you go BR.
Nothing you sign before BR can stop the eventual shortfall from going into the bankruptcy.
It is AFTER your BR that you must avoid signing anything that says you are liable.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0
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