they wont be happy ......

jono_1uk

i have just about emptied my bank account and have scraped together enough money for my br on 31st of march and petrol for the month.
hsbc will try to take there £303 on 1st of april and it wont be there !
if the OR sees i have done this and effectivly caused more debt , will he say
anything ?

Toon_Dave

Hi Jono, All the advice i have had legally on this is that this is what is expected to allow people to pertition their bankruptcy.

Otherwise how else are you going to get fees together. The OR doesnt look bad on this as long as you can prove what funds were spent on.

i would cancel the DD so that you dont get and fees etc, altough again these would be cleared/wiped when the account is frozen under the terms of the BR order.

i emptied both of mine, cancelled the lloyds and left about £4.00 in my barclays account. i have cancelled all DD as was advised by CAB, CCCS and IP to do this to allow time to gather funds and in my case to enable myself to rent privately and hand back keys to mortgage company.

Im sure people with more experience will confimr this for us both.

Dave.

fermi

jono_1uk wrote: »

hsbc will try to take there £303 on 1st of april and it wont be there !

That's tough on them.:p

jono_1uk wrote: »

if the OR sees i have done this and effectivly caused more debt , will he say
anything ?

Nope. Doubt it would make the OR bat an eyelid.

wherediditallgo

jono_1uk wrote: »

i have just about emptied my bank account and have scraped together enough money for my br on 31st of march and petrol for the month.
hsbc will try to take there £303 on 1st of april and it wont be there !
if the OR sees i have done this and effectivly caused more debt , will he say
anything ?

No. You need money to live on, & you have to pay your BR fees somehow. What is the HSBC money for - is it unsecured debt? There must be a debt on an account for it to be included in your BR, so if there aren't any arrears already you should really cancel the direct debit/standing order immediately.