Our BR Diary, from start to finish......

fiveyearplan

Hi Scarlett, Have you tested out the sneezing yet?

Scarlett.1974

fiveyearplan wrote: »

Hi Scarlett, Have you tested out the sneezing yet?

:rotfl:

Yes, and I was very disappointed - no "unusual" reaction at all

needs_guidence

hi been reading posts and they have been useful. i've just some questions of my own.

We are leaving our mortaged house and moving into rented in Jan hopefully, we have got the house sorted and are handing our keys back. but i'm confused of what to do next.

1. once moved into rented do i have to arrange a court date for BR and then fill forms in or fill forms in take to county court and then ask for court date?

2. do i have to let my mortage company know i've left the house and intend not to pay anymore mortage payments?

3 . i'm still in my mortaged house now shall i be completing the forms now on line.

i know they sound like really simple questions, i just don't know what to do in what order?

So_Sad_Angel

needs_guidence wrote: »

hi been reading posts and they have been useful. i've just some questions of my own.

We are leaving our mortaged house and moving into rented in Jan hopefully, we have got the house sorted and are handing our keys back. but i'm confused of what to do next.

1. once moved into rented do i have to arrange a court date for BR and then fill forms in or fill forms in take to county court and then ask for court date?

2. do i have to let my mortage company know i've left the house and intend not to pay anymore mortage payments?

3 . i'm still in my mortaged house now shall i be completing the forms now on line.

i know they sound like really simple questions, i just don't know what to do in what order?

Hi NG, welcome along Hun.....it may be worth you starting your own thread & let us know the `bigger picture`

Have you spoken to one of the debt charities to ensure BR is the best route. Vol repo does`nt always lead to bankruptcy.

Angiexx

fiveyearplan

Scarlett.1974 wrote: »

:rotfl:

Yes, and I was very disappointed - no "unusual" reaction at all

I thought it was too good to be true!

needs_guidence

we've got a lot more debt than just the house and going BR is the best option for us. I've spoke to two of debt charties and CCCS weren't really that helpful to be honest and i know a lot of people have recommeneded them and i'm waiting to hear from National Debt Helpline. I've consulted a solicitor and spoke to a financial advisor and they've agreed they think i'm doing the right thing. I'm just confused as to the steps to take after moving out of our mortgaged property to rented.

fiveyearplan

Hi needs guidence. Your post has been moved to its very own thread. Thats where you should post for advice. Have a look for it.

Scarlett.1974

Evening all :wave:

Finally I have something to report!

Potless and I have received our individual letters/reports re our BRUs - I won't bore you with all the ins and outs (to be honest, they didn't make very pleasant reading) and the short story is he's been given a 3 yr 6 month BRU (would have been 4 years if been a BRO) and I've been given 4 years (reduced from 5 for accepting the BRU). Ever so slightly stunned that I was given longer than him when he ran up a LOT more individual debt than me but I'm not dwelling on it (much). They were both for "obtaining credit with no reasonable prospect of payment" with H having the additional "and using those funds for the purposes of gambling".

I do actually feel like we've both been treated quite harshly - I still don't think that we acted any differently to most people who go BR (with the exception of H's poker of course) and I think it's unfair that they've said (in the reports) that we should have realised we were "cash insolvent" back in Jan. 2007. I haven't got the strength to fight them on this though unfortunately - I couldn't cope with going to court etc... to argue my case, so we're just going to accept it, count down the weeks now to AD and try and get on with our lives.

Waspeze

.. that's a bit of a bummer

I suppose at least you know now so like you say you can wait for AD and get on with things.

peachyprice

What a bummer Scarlett.
That is very harsh giving you more than him, I'm shocked TBH.

I really don't get that 'obtaining credit with no reasonable prospect of paying' bit, surely that could apply to all of us if we all had crystal balls we'd not be BR.

Hey ho my love, as you say, no huse dwelling, and if you fight it and lose you'll end up with a BRO.
((((((((((:heart2: ))))))))))