Bankruptcy is cancelling lots of my bills?

beth3735

Ok so to make this more understandable since being on the bankruptcy I’ve had my council tax cancelled but I’ve been explained how that’s working until April.

but I’ve recently had my cancer insurance and my life insurance cancelled unless I want to buy them both for £50 each which I don’t have 😢 
and today without warning mine and 3 of my kids phone contracts got cancelled. I wasn’t told that would be going into the bankruptcy. I need my phone for when the kids are in school and just as a life line. My partner had to go and take out 4 sim only for me tonight so I can contact my kids and they have ways of communicating if need be. I’ll just have to send him the money now.

I’m worried what else will get cancelled now, I pay my car insurance out right for the year, I have pet insurance monthly, I have basic Virgin tv and wifi. I’m worried they will get cancelled too.

surely I should’ve been told what will be cancelled? I have no idea what’s gone into my bankruptcy

will it get easier? Will I end up with nothing left to pay bill wise that they’ll say I can now afford my debts? I’m so lost what’s going on?

MovingForwards

Is it bankruptcy or a DRO?

sourcrates

Its unusual, but individual companies do regularly check the insolvency register and your credit files, and can choose not to do business with you, if they so wish.

Ideally you need to prepare for things such as this, as the likelihood of it happening was quite high.

Insurances and phone contracts can be withdrawn, especially if there was outstanding debt to that company.

luvchocolate

Did you get advice from one of the debt free charities as advised on this forum?
As the insurance policies and having an option to buy back is usual practice. 

Minkym00

The likelihood is that the phone contracts were on your credit file and any debt owing was added to your bankruptcy. That automatically cancelled the contracts.  

You have been offered the option to buy your insurance policies back for £50 each. This is because they are now “owned” by the OR and if you claim on them now any monies paid out will go to them. It’s *definitely* worth paying the £50 and getting turn back in your name. There’s no rush though, do it when you can get hold of the cash. 

If you paid your car insurance up front then that is not a debt so shouldn’t be cancelled. But it’s worth checking the Ts and Cs in case an insolvency event (DRO, bankruptcy) voids the policy. 

luvchocolate

I forgot but my contents insurance was cancelled even though paid in full 

I rang car insurance and they were fine 🙂 

Czeskyy

Hello there, 
I'm sorry I potentially won't bring any useful information here but I'm considering bankruptcy myself, I live with my girlfriend and planning to transfer most if not all bills etc to my GF account, I'm just curious how this happened that all Your bills,DD ware cancelled did u move them to different account forehand, was it cancelled cuz of OR actions ?? 
I have phone , car insurance and internet on my name along with utility bills, although utility bills I will transfer to my GF not sure will I be able to transfer phone etc 

JCS1

Czeskyy said:

Hello there, 
I'm sorry I potentially won't bring any useful information here but I'm considering bankruptcy myself, I live with my girlfriend and planning to transfer most if not all bills etc to my GF account, I'm just curious how this happened that all Your bills,DD ware cancelled did u move them to different account forehand, was it cancelled cuz of OR actions ?? 
I have phone , car insurance and internet on my name along with utility bills, although utility bills I will transfer to my GF not sure will I be able to transfer phone etc 

It's because the BR is in the public domain.