Sorting the mess - our BR Diary - and start of a new life

MammaCas

Hello all

Just a quick update from me....(Internet finally set up in new house).

Well, the move into our rented house went fine, we actually love it here and I thought I would be upset to leave old house but I honestly wasnt. I think the struggle to keep hold of it over the last 12 months 'took the shine' off the place...

We have yet to 'hand the keys over' - I have told mort co and sec loan co that we are going to do vol repo, they sent me a form to sign (no chance). Just a few bits to get from old house then I will send them the keys and a letter of my own :cool:

Our BR date WAS booked for 29th Feb, however, we won't have the fees together so I am ringing the court tomorrow to change it to end March.

The coop account is open, running smoothly.

Oh - and anyone that remembers - we sold the van (eventually)!!

So that's it. A big good luck to Scarlett for tomorrow and thanks to all for support and advice up to now :T

betterlatethannever

I can understand what you mean by 'the shine had gone on the old house'

Heres to a fresh start and happier times to come:beer:

dodecanese

Hi MamaCas
Im new to this forum and just want to say thanks for your diary- my BR court date is 17 March. I too have negative equity, and a humungous mortgage, still deciding what to do on that score. Reading your post is so helpful. Good luck in your new home.

tigerfeet2006

All the best in you new house MammaCas, enjoy it.

MammaCas

Dear all

Well (gulp), BR day is Friday :eek:

I have printed the forms off and started to fill them in tonight. I have the week off work and 2 year old in nursery for 3 mornings so I can get them all done.

Other developments are: I have been on a Housing Association list since I realised we were in the messy stuff with the mortgage and luckily (and v. gratefully) have been offered / have accepted one.

These past few weeks have been 'head in sand' bliss - my phone number changed when we moved and all 'nasty' mail has been redirected (and I've never opened it), so now is the reality check.... 4 days to go!!

Our mortgage company sent someone round to the old house to 'check our position'...and asked a neighbour if we'd moved. I spoke to this person to advise that we are handing the keys over (tomorrow) and doing vol. repossession (but without filling their nasty forms in)! I HAD already told them this, however....

OK - I have a question re: the Debtors Petition forms. My OH is self employed. The BR involves NO business debts, only personal, so on the section 'and carrying on business as' and 'and lately carrying on business as' - does this has to be completed?

I can see more questions coming (please don't all hide)!

Thanks for reading this far, hope I haven't sent anyone to sleep

MC
xx

lookingforhelp_2

Hi MammaCas,
Good news about the house.
Good luck for friday.
Take Care
Sarah

JCS1

MammaCas wrote: »

OK - I have a question re: the Debtors Petition forms. My OH is self employed. The BR involves NO business debts, only personal, so on the section 'and carrying on business as' and 'and lately carrying on business as' - does this has to be completed?

Hiya,

Yep, it still needs completing. Otherwise you will get asked questions in interview, as section 7 (I think) would state he was self employed and they would want to know more then

MammaCas

Well, thanks to the help from all on here (and also Scarlett), forms are nearly done.

TBH, they weren't as bad as I thought, and Scarlett's 'Folder of Doom' idea really helped when finding a/c numbers, addresses, balance owing etc.

So, tomorrow I am going to the banks to check balances, withdraw any available cash to tide us over until Co-op account is 'unfrozen', then coming back home to finish and photocopy :eek: the forms.

Should all be set then for Friday morning, appointment is 11am <gulp>.

Thanks again to all for the help, it is very much appreciated:T

Waspeze

Really hope it goes well for you on Friday MammaCas!

All the best

MammaCas

Waspeze wrote: »

Really hope it goes well for you on Friday MammaCas!

All the best

Thank you Waspeze

I notice your quit smoking day - if I can do it, anyone can! I gave up 5 years ago now, through a stop smoking plan at my doctors.

Good luck, take care x