6.28 (Section 11) Question - Help!

LS38

Hi again everyone,


I have another question about BR for my family member, this time about form 6.28 and specifically Section 11 (the reasons for it all).

I know how it has all happened, I just don’t know how to word it!

In a nutshell, they have £36,000.00 worth of debt in credit cards and catalogues. They only have state pension and DLA. I have been lending money for a while but I am about to take a salary drop myself and this is how we have found out everything is so bad. When I was lending I didn’t actually realise what state the finances were in.

It started when he needed a new bed and couch (he has really severe arthritis so these were essentials). So then he got credit cards and used them to live on, then another to start paying that etc etc. He was using catalogues then credit cards to pay them. And they kept putting the limits up and up. He doesn’t remember what he got each specific card for and looking through the odd statement I can find, I can’t tell either to be honest.

How can I get over to the OR that the bottom line is because he is old and just terrible with money? A good example is last year he was talked into a private denture plate by the dentist at a cost of over £2,500.00 on a credit agreement. It could have been worse, apparently they were trying to talk him into implants at £10,000 (!!)

I can’t get annoyed because as I say he is old and ill, but I am really scared that the OR or the Judge is going to be really harsh with him. I wish I could do it all in his place.

After all this is done, I am going to take over management of the finances so it won’t happen again.

Can anyone give me an idea of how to word this?

philnicandevan

Some pretty good pointers here

https://forums.moneysavingexpert.com/discussion/4895857

LS38

Thank you!


I did have a look through that thread before I posted. It's really helpful but as it focused more on specific dates and reasons, I couldn't seem to make it fit. I just don't have the information to break it down like that unfortunately.


I will have another think about it today and try again.

fermi

Honestly just explain it as it is, as best you can. In the end it's only to give the judge a background. They will not or should not get judgemental or critical over it, but they just need to be able to understand how things got to where they are and that BR is the way forward.

The bullet point/timeline approach is a way that many find easiest to cope with, but it doesn't have to be like that as long as it's to the point.

LS38

Thank you Fermi.


My dad is terrified (I think he thinks he is going to be sent to prison or something) and I think I am getting stressed as it is getting "real" now if you know what I mean.


As I've started writing it, it's getting a bit easier and I will be there on the day so I can help explain in person to the Judge if necessary. One thing that has surprised me is the balances they let you go to when you basically have no income! I couldn't get this amount of credit and I am in a full time job!


I will be so glad when this is over.