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Bankruptcy Fees

I was looking for some advice regarding the £680 fee.
Due to bereavement and a deterioration in both my mental and physical health over the past  year I am currently unable to work. 
I started a bankruptcy application in January 21 but after 12 months I am still unable to pay the fee as I do not have any disposable income or anyone that could help me. I understand you can pay in instalments but that doesn't help if you simply don't have the money.
The CAB applied to Severn Trent Trust for me in August but unfortunately that application was unsuccessful.
I owe £56k, have three CCJs and a WOC.
I do not know what to do
Thank you and advice will be appreciated 


  • JCS1
    JCS1 Posts: 5,295 Forumite
    Photogenic Name Dropper First Anniversary First Post
    Are you still paying towards any non priority debts? Any credit cards you could withdraw the fee on?
  • sourcrates
    sourcrates Posts: 29,173 Ambassador
    First Anniversary Name Dropper First Post Photogenic
    Benefit income is not all its cracked up to be, in most cases its quite paltry.

    Are you being chased for these debts at all, because if you don`t have the money to pay them, there is very little the creditors can do.

    My suggestion would be to write to them all and explain your circumstances, tell them your only income are benefits, the debts are unaffordable, you can`t pay them, and would they consider making a commercial decision and writing off what you owe.

    Ask those with CCJ`s if they would refrain from enforcement action for the same reasons.

    Affordability is everything these days, it can`t hurt to try, a few recent posters have had success when they have found themselves in similar circumstances to yourself.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • milkins
    Thank you I will write to them and see what they say
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