Close to nervous breakdown

gazza1209

Anyone please help just gone bankrupt without going to stepchange I'm in way over my head I'm not sleeping or eating got paid refund of 4k paid parents back 2 and I've spent the rest i suffer from suffer depression  and bpd I can get the 2k back from parents to give to or  it's the 2k I've spent I'm worried about and in the letter it says about an ipa but my only income is benefits what can or do about the money I've spent and Is there any charities that I can use as a go between between me and the or as i hate talking on phones and being confronted what happens if I pay the 2k back to or then bury my head in the sand and hope it all goes away  any help or advice would be great 

luvchocolate

Firstly if your income is solely from benefits they can not set up an I.P.A.
So please stop worrying about that. 
The O.R will usually make contact within a couple of days to arrange an interview and to check on your everyday bank account 
They look at your bank accounts to see if anything jumps out. 
It sounds like your spending was on smaller amounts which add up to £2k so might not show up. 
The money paid to parents can be claimed back but please note this can be sorted and you within the next couple of months start to get peace of mind 
They have heard it all before and will be sorted soon. 
Please don't worry 

gazza1209

Thank you for the reply on the letter I received it said I didn't need another interview don't know if that's good ?? Only thing I'm worried about is my wife has a saving account with £600 in but that's for our holiday  will the or look at saving account or just main account many thanks 

luvchocolate

It generally means your affairs are straightforwardly and that's good. 
If the account is in your wife's name only that's her account not yours 

gazza1209

Thank you for the reply and putting my mind at ease a bit

luvchocolate

I know it's a stressful time..but it will get better. 

sourcrates

gazza1209 said:

Thank you for the reply on the letter I received it said I didn't need another interview don't know if that's good ?? Only thing I'm worried about is my wife has a saving account with £600 in but that's for our holiday  will the or look at saving account or just main account many thanks 

Then you are worrying needlessly, the OR has no further interest in you, or your affairs, that is it, your in the clear, in 12 months time you will be discharged, and that, will be that,

Your in a fantastic position,a little knowledge and research could have avoided all this stress.

gazza1209

So pay the 2k I gave my parents back to or and that will be the end of it ? 

sourcrates

gazza1209 said:

So pay the 2k I gave my parents back to or and that will be the end of it ? 

Has the OR asked for the 2k back ?

gazza1209

Yes got a letter  asking who I gave the money too my parents have said they will give me the £2000 back anyway 

mwarby

If you want it over with as soon and as stress free as possible(writing off the 2k) I’d respond with something like

‘The money was given to my parents for <insert reason here>

 I understand that this may not have been permitted, I have spoken to my parents who are prepared to return the money if nessescary’

if you want to try and keep it respond with just this bit, they are likely to ask for it’s return, but if reason given is enough they may decide it’s not worth perusing. 
 ’ The money was given to my parents for <insert reason here>’