Need help please¬

meech78

Hi all,
I am new and am due to go to court to go B/R on friday am...

Just wanted to check a couple of points:

i have a joint account with my oh and was advised to take my name off (originally oh put me on, the account was already his). All the bills come out of it and are in his name..please tell me they won't freeze his account?!!?!?!?!

oh set up a ltd company two years ago and put my name on as a director...spoke to CCCs about this when i was deciding whether or not to go b/r and they said to take me off as a director as it was my debts not my hubbys...just wanted to check he really will be ok with his business? There is only about £800 in it anyway but he needs the money in there to travel etc for his job.

oh god, so scared now, only two days to go....what else do it need to ask? Basically, i owe £23K and had all these debts before meeting hubby...i can't afford for it to affect him even though we are now married...when i took the debts i wasn't married and didn't even know him. He has been helping me pay money into a debt management plan as i look after our little one...can't afford to do this anymore and apart from going b/r there was no other option for me as i don't work coz of having had lo.

Has anyone else gone through this and do you have any words of wisdom please?!!!

nomoneyprobs

Hi, well done on your decision to go br, It will relieve a huge burden from your life.

I think if your name is still on the joint account then it will definately be frozen if you've entered it on your soa.

I don't know about the ltd company side of things but i'm sure someone who does will be along shortly.

There really isn't any need to be scared tho hun, you've tried to deal with your debts and pay them but can't, so your doing the only thing left open to you, thats a really positive thing, well done and good luck for friday

Ian

meech78

thanks Ian!

My name is no longer on the joint account, was taken off about two months ago BUT, on the forms it does ask if i had any accounts in the last two years...

Haven't put that account down as am hoping to speak to someone in the court about it!

meech78

anyone got any ideas for me?!!

meech78

thank you blind as a bat! That defiantely helps me out a huge amount...like you say, i should be going BR alone as i got into the debt alone...don't mind anyone looking into hubbys account but as his wages and the bills are paid from those accounts, we can't really afford for them to be shut down!

I am lucky in a way because he does look after me, but it is quite scary that i will fully rely on him as of tomorrow! Will have to ask for pocket money to do his xmas shopping! Think the idea of getting over all my debts and starting a fresh new life is definately worth it though! Thanks again for your help