Recently bankrupt debts building up again

elsien

You could start by explaining how and why you managed to get credit cards so soon after bankruptcy? 

cymruchris

danjackson2021 said:

Stepchange say it’s too soon after the last bankruptcy 

have to just hold them off until been discharged 

So you're an undischarged bankrupt with credit cards to the max? This doesn't really make sense? How did you get active credit cards while still bankrupt?

elsien

danjackson2021 said:

There will be more government schemes and such for people struggling with the cost of living crisis

Some of us just have to wait a little longer for them to be implemented 

mat the moment I have over £2K council tax arrears and more than double that gas and electric arrears 

credit cards are maxed out struggling to pay the minimum 

m I am paying £1 month to each of my debtors

step change and the like tell me it’s too soon after my last bankruptcy 

citizens advice aren’t helpful

where else can someone in this situation turn?

I did apply for discretionary housing allowance but I got £8K for them just before covid and they say they can’t help me even though I spend ages filling out all the forms again

Also to add, if you genuinely want help as opposed to waiting in the hope that more handouts may eventually arrive you need to explain:
1. When your bankruptcy was and whether it was personal or a company bankruptcy.
2. What happened to the DRO mentioned on previous threads
3. Your bankruptcy statement of affairs and why despite this you continue to run up rent, council tax, gas, electric and credit card arrears? 
4. Clarify the previous inconsistencies about the prepayment meter and other issues. 
5. Think about whether you can move somewhere cheaper given that your rent shortfall would appear to have been ongoing for several years now. 

There is help on here but only for those who are willing to post a proper SOA with all the relevant information. 
People can only offer sensible help if you are willing to help yourself. That is the point which appears to be debateable from your contributions so far. And which is why anyone on here who might be able to give advice is running for the hills. 

danjackson2021

elsien said:

You could start by explaining how and why you managed to get credit cards so soon after bankruptcy? 

I just applied to all adds I received they talked me into it

started with just £500 credit limit and then request to go higher on all cards

danjackson2021

Myself and my partner have both done a DRO a few times, the last ones were over 6years ago

i recently went bankrupt again just a personal bankruptcy less than £40K total unsecured debts

i have passed the point of of settled 

now it’s mainly the council tax with has built up to a few thousand and the bills we have only been paying £1 month for a few years so they have built up angel of lot

credit cards my wife just pays the minimum and they kept increasing her credit limit and she kept getting adds talking her into new cards

we now are having to go to food banks to feed the kids

no hope of ever paying off our debts I suppose we are the same as the UK government we just keep sliding further into debt

danjackson2021

Making wise choices could well be to default on certain obligations just as governments are doing

HampshireH

The government isn't here to pay your bills.

If you are paying £1 a month towards them but still continue to build debts elsewhere, what are you spending your income on.

Having read this thread it really does read like you will choose to continue taking on credit (presumably at horrific rates) and expect someone else to pay it off eventually as you have no intention of doing so.  Your posts don't seem to hold any accountability they very much read like it's someone else fault.

You won't get out of the cycle if you don't actively choose to.

That means budgeting, taking it seriously that council tax debt can be dealt with by prison sentence (rather than laughing emojis) and taking accountability for your situation.


It sounds like you have had a lot of help in the past with your finances but the behaviours haven't changed to manage it.


I've read these forums for years and people are so helpful but posters do have to help themselves too.

danjackson2021

HampshireH said:

The government isn't here to pay your bills.

If you are paying £1 a month towards them but still continue to build debts elsewhere, what are you spending your income on.

Having read this thread it really does read like you will choose to continue taking on credit (presumably at horrific rates) and expect someone else to pay it off eventually as you have no intention of doing so.  Your posts don't seem to hold any accountability they very much read like it's someone else fault.

You won't get out of the cycle if you don't actively choose to.

That means budgeting, taking it seriously that council tax debt can be dealt with by prison sentence (rather than laughing emojis) and taking accountability for your situation.


It sounds like you have had a lot of help in the past with your finances but the behaviours haven't changed to manage it.


I've read these forums for years and people are so helpful but posters do have to help themselves too.

Are you talking about me or the government when you say “ will choose to continue taking on credit (presumably at horrific rates) and expect someone else to pay it off eventually as you have no intention of doing so. ”