Questions From official receiver

22 Posts

2 questions.
Q1. Will the official receiver ask for proof or call up the persons who have been staying with? Basically I lived at a friends for 13 months and gave them cash of £500.00 every month for rent and bills. There was no contract written up and my friend didn't notify the council I was living there. He is concerned the Official receiver will call him and look into him. This is no good for me as I when It comes to explaining to the official receiver where £6500 as gone. Will they want to call my him?
Q2 I have since moved back home since December and give my parents £250.00 House keep. Again this is cash. I don't want them know that I have gone bankrupt. Will the OC ask for prove of this as again this will further £1500 I have laid out & I don't want the OC contacting my parents.
Many thanks,
Q1. Will the official receiver ask for proof or call up the persons who have been staying with? Basically I lived at a friends for 13 months and gave them cash of £500.00 every month for rent and bills. There was no contract written up and my friend didn't notify the council I was living there. He is concerned the Official receiver will call him and look into him. This is no good for me as I when It comes to explaining to the official receiver where £6500 as gone. Will they want to call my him?
Q2 I have since moved back home since December and give my parents £250.00 House keep. Again this is cash. I don't want them know that I have gone bankrupt. Will the OC ask for prove of this as again this will further £1500 I have laid out & I don't want the OC contacting my parents.
Many thanks,
0
Latest MSE News and Guides
Childcare budget boost
More support for children from nine months and those on Universal Credit
MSE News
Replies
Any regular amounts in the months immediately before BR will require justification. If your friend is worry the council will find out then you both have too much faith in the inter governmental communications.
putting a tenancy agreement in place to cover the amount would be possible, but proceed with caution. It is very close to the line of bankruptcy fraud.
Regarding your parents, the unfortunate thing is the OR will take into consideration the fact you live at home. Paying them money will not be allowed so by moving in with your parents you have worsened your position. The OR will not allow you any money to pay them, it will be considered surplus and thus you will need to tell your parents why you can't pay.
I'd come clean now so they can help you.
I gave my parents £250.00 as a token gesture as they Buy all my food me each etc. I have given them 5 months of £250.00 So your telling me the OR will want that back?
I'm pretty sure you will be ok paying board to parents..you have to live somewhere.
The confusion maybe you're not allowed to keep paying back a loan to family as the debt is written off in bankruptcy.
Board and lodgings are completely different.
Just be honest and explain to the examiner
It does however have to be reasonable, so you could not pay all your salary as board in order to avoid an ipa.
WRT living with your parents, as a grown adult I'm sure it would be seen as reasonable to pay £250 per month for board and lodgings, it's only if you were paying more than the cost of renting privately that it might be questioned.
The previous withdrawal for rent will need explaining.
Just be honest.