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Incorrect Advice from OR - Urgent Advice
davidpiter98
Posts: 1 Newbie
have a quick query as it's something that is causing me major issues and I am losing sleep over it.
On 20th March I went bankrupt. I had over £35,000 worth of debt from about 4 years ago. Finally taken the steps required to deal with it.
Quick background : Met my now wife ( Married last year ) In 2015. Didn't tell her about my debt problems, just ignored them and buried my head in the sand. Any way I started to transfer my wages into her SOLE account, so we could try and save money in order to achieve our goal of moving to Australia. I just used her card when I needed money.
Fast forward to now, I came clean to her about my money problems as I wanted to deal with them before moving to Australia on 3rd April 2018 She was quite rightly upset and angry and felt betrayed, and I cant blame her. Long story short, we had about £3500 in her own account, majority hers, some of mine from my wages ( couldn't tell you how much though ) . We paid the bankruptcy fee and filed for bankruptcy. It was signed off the next day and I was bankrupt. I finally felt a huge relief and pressure of my shoulders. OR phoned a few days later and arranged a telephone interview date for 27th March, which I was happy about.
Whilst waiting for the interview, I sold my old Ford Mondeo which was on its last legs for £900. I kept the transferred money in my wifes account just in case the OR wanted to know about it ( wasn't sure ) and because the £900 was needed for rent deposit and for an old car In Australia.
On 20th March I went bankrupt. I had over £35,000 worth of debt from about 4 years ago. Finally taken the steps required to deal with it.
Quick background : Met my now wife ( Married last year ) In 2015. Didn't tell her about my debt problems, just ignored them and buried my head in the sand. Any way I started to transfer my wages into her SOLE account, so we could try and save money in order to achieve our goal of moving to Australia. I just used her card when I needed money.
Fast forward to now, I came clean to her about my money problems as I wanted to deal with them before moving to Australia on 3rd April 2018 She was quite rightly upset and angry and felt betrayed, and I cant blame her. Long story short, we had about £3500 in her own account, majority hers, some of mine from my wages ( couldn't tell you how much though ) . We paid the bankruptcy fee and filed for bankruptcy. It was signed off the next day and I was bankrupt. I finally felt a huge relief and pressure of my shoulders. OR phoned a few days later and arranged a telephone interview date for 27th March, which I was happy about.
Whilst waiting for the interview, I sold my old Ford Mondeo which was on its last legs for £900. I kept the transferred money in my wifes account just in case the OR wanted to know about it ( wasn't sure ) and because the £900 was needed for rent deposit and for an old car In Australia.
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Comments
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whats the query you have?0
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Thanks for the background, now what's your question ?I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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Oh come on Guys he was off to a new life in Oz in April..yet still filled for BR.
Hmmm when i clear off to south east asia in a few years i wont careless about any and all debts.
One way trip..lol0 -
Samsung_Note2 wrote: »Oh come on Guys he was off to a new life in Oz in April..yet still filled for BR.
Hmmm when i clear off to south east asia in a few years i wont careless about any and all debts.
One way trip..lol
me neither.... or when i pop my clogs, to coin a phrase
D.I.L.L.I.G.A.F.0
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