Form Filling

worried123

...........

fermi

Wow. That's a lot of reading.

Cars:

Firstly cars are not normally entered in the 'Tools of you trade' box in section 3.1.5 This normally means items specific and essential to a particular occupation. For example a plumbers tools or an electricians testing kit etc.

All vehicles must however be entered in section 3.1.14 and declared/detailed in sections 3.7 and 3.8 irrespective of other status.

With regards to including reasons/arguments for retaining the car with the petition, it won't do any harm to include this now and may save hassle later.

Rent/tenancy:

The OR's guidelines do state that landlords should be informed of the bankruptcy (somewhere). However, practically this often does not happen. In particular the more up front details of any agreement that you can give the OR before or shortly after interview, the less likely this is to happen. However some OR's will go ahead and notify anyway. It's pot luck really.

Employer:

The OR needs to know your employer so they can check and verify records/tax/wages etc with HMRC and the employer if need be, plus in case of dispute. However the OR doesn't normally contact an employer unless they suspect that you are misdeclaring your wages or something similar.

Spending:

Unwise spending and living beyond your means before is normal before BR. It's the reason a lot of us are here.
Simple past foolishness is not normally made a significant issue by the OR. You might get 'tut-tut'ed at, but that's probably about it.

Hope some of that helps.