Questions From official receiver

MrFrugalFever

Just a thought, who has advised you of bankruptcy, have you discussed your debt problem with a charity like stepchange? Bankruptcy is just one of many debt solutions, but quite often the most impactful. 

The_Real_Cheddar_Bob

MrFrugalFever said:

Just a thought, who has advised you of bankruptcy, have you discussed your debt problem with a charity like stepchange? Bankruptcy is just one of many debt solutions, but quite often the most impactful. 

This is a very good point. 

JCS1

The_Real_Cheddar_Bob said:

JCS1 said:

The_Real_Cheddar_Bob said:

OP yes to both questions in a way, but the OR will ask you first for proof then investigate further if needs be.
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. 

Paying board to parents is allowed, not sure what your reference is for saying otherwise? Perhaps you could provide a link.

It does however have to be reasonable, so you could not pay all your salary as board in order to avoid an ipa.

I beg to differ. Each OR will have their own interpretation of the situation. If you convince the OP to expect the best result then it will be far worse when the reality kicks in. Being reasonable yes is one thing, but let me point something out, £500 regular cash withdrawals will not go unnoticed. 

Where is your online link to state you cannot pay board like i asked for? 

And the insolvency service use a technical manual for guidance. I know, as i was the person doing interviews! As a result, i am very careful of comments.