Official receiver and bank statements

Skyline22

Hi

I am about to file for bankruptcy in Scotland for £20,000 in debt. Step change have advised this is the best options, I have no house or assets.I've buried my head in the sand for years and see this as the only way out, I only earn £800 per month and my husband gives me £800 for household bills.

I am concerned regarding dealing with official receiver and then requesting bank statements . I have been gambling on average £40 per week for the last year and my husband has also made large transfers into my account for a loan he had taken out ( he had no bank card at the time so in effect he was using my account and my card). Will the official receiver scrutinise every transaction? Will the fact my husband has sent a lot of money to my account matter ? And could a bankruptcy order be made due to the gambling ? I was already up to my eyes in debt but the debt wasn't occurred due to gambling. Any winnings I did have were to pay for household goods , I don't have a lavish lifestyle and have no spare money to do anything.

It's the thought of providing bank statements that terrifies me, I don't want the official receiver going crazy at me for wreckless spending . I suffer bad enough with anxiety and the thought of dealing with this part is making me ill. Any advice would be greatly appreciated

luvchocolate

Hi, I had to provide 2 years bank statements, the examiner was looking for something that jumps out.
All you can do is explain what the amounts are and be honest with them, they have seen it all before and will not judge you.
Seeing it as a way to sorting out your future a positive step.

Skyline22

Thank you , I'm just worried as he transfers quite a bit every month as he has problems himself with money and can't budget so uses my account , there's been holidays booked, gambling and large purchases for clothing but nothing of any value, can a BRO be submitted?