Ask a StepChange (formerly CCCS) counsellor a bankruptcy question

StepChange_Allen · 13 March 2018 at 9:28AM

Gellerbing wrote: »

Hi, i recieved an email from stepchange saying there's an issue with my DRO application and they want me to phone them. This has put my anxiety through the roof and now worried about what they might say, ive got nothing to hide i just really don't like using the phone. Could i email or use live chat instead?

Hi there

Thanks for posting.

I can understand you're worried but this doesn't necessarily mean that the DRO application can't go ahead; it could be missing information or just clarifying something with you.

You could e-mail back (including your name, reference, address and DOB in there to confirm identity) but I'd recommend calling as it'll be quicker and easier to resolve. The team are friendly and only there to help you, so please don't worry about speaking with them.

If for any reason the DRO can't go ahead, we'll look at what other options are available instead.

Best wishes

Allen

StepChange_Allen · 13 March 2018 at 10:04AM

Avocadotoast wrote: »

Hi there, I wonder if you could possibly help me.

I am currently bankrupt (in my first year) and unemployed. I would like to go for a job with CAB as a telephone advisor. However, I wonder if bankruptcy prevents me from working in this role as part of it is giving debt advice. I know you can't be an insolvency practitioner once bankrupt but I'm unsure if this applies to a generalist debt advice role. Do you know if I am allowed to undertake this kind of position or if I am banned?

Am I best to apply for the role then disclose if I am offered it?

Thank you,

Avo

Hi Avo

Thanks for posting.

I can't be certain about this but generally in this type of organisation I wouldn't expect it to be a problem; your experience of being in debt may be seen as valuable when it comes to such a role. What might be best is before applying, call the CAB (hopefully there'd be a number on the advert for any questions) and simply ask whether being bankrupt is a problem for the role. I'm sure they'd be happy to confirm.

This way you avoid spending time applying, perhaps attending interviews to then potentially find you weren't eligible in the first place.

I hope this makes sense, and good luck.

Allen

Avocadotoast · 13 March 2018 at 10:12AM

Thanks very much for this. I'll do just that. Fingers crossed!

Avo

philnicandevan · 13 March 2018 at 8:07PM

Avocadotoast wrote: »

Thanks very much for this. I'll do just that. Fingers crossed!

Avo

I did my training while bankrupt had to stall a few times though due to my health issues...been a more or less full time debt advisor now for a few years & never an issue when I 1st enquired to be a staff member

GOOD LUCK hope all goes good...the job is so worthwhile helping someone out particularly beeing in the same boat myself in the past!

gellerbing · 15 March 2018 at 5:51PM

Ok so i emailed them and was just told that there is an income query on my file and still insist on me phoning them. Obviously im going have to bite the bullet and do just that, but before i do i want to be prepared for what they might ask, so is there anything i should have ready so i can refer to it if needed?

StepChange_Allen · 16 March 2018 at 10:41AM

Gellerbing wrote: »

Ok so i emailed them and was just told that there is an income query on my file and still insist on me phoning them. Obviously im going have to bite the bullet and do just that, but before i do i want to be prepared for what they might ask, so is there anything i should have ready so i can refer to it if needed?

Hi

Thanks for getting back to us.

I'm glad you got in touch with the team. I'm not sure what this will be about but it's possible they just need proof of income, or to check any difference in your proof of income and what's showing on your budget. Perhaps just have all your accurate income details ready when you call.

I hope it goes well.

Allen

helen12345_2 · 20 March 2018 at 11:30AM

Hi.
We are a partnership company. We had a limited company come in and do some work on our property. It was to paint the floors and walls with poycote. We were charged £11,000 and given a 10 year guarantee. They finished the work last month and already we have called them back twice for repairs. Now the walls are just peeling, it is a really bad job. I tried to contact the company and they have said they are going into bankruptcy (because of our job?). We paid all of it by bank transfer. Where do we stand now regarding repairs or getting money back, as we have paid for a substandard job? Their website is already down and I have heard they are selling equipment and leaving the premises. Can I do anything? Thank you for any advice.

JeniferWilliams · 21 March 2018 at 9:11AM

Just joined this forum and at the first I just read this conversation. I like this conversation it is great, I got to know so many interesting things.

StepChange_Private_Messages · 21 March 2018 at 9:20AM

Hi Helen,

Thanks for your post.

As a charity we specialise in helping individuals who’re struggling to repay their debts. The question you’ve asked relates more to your consumer rights in relation to the work done so unfortunately I couldn’t give you an answer to this.

You could try contacting the Citizens Advice Bureau who may be able to help further.

I’m sorry we’ve not been able to help at this time.

Kirsty

helen12345 wrote: »

Hi.
We are a partnership company. We had a limited company come in and do some work on our property. It was to paint the floors and walls with poycote. We were charged £11,000 and given a 10 year guarantee. They finished the work last month and already we have called them back twice for repairs. Now the walls are just peeling, it is a really bad job. I tried to contact the company and they have said they are going into bankruptcy (because of our job?). We paid all of it by bank transfer. Where do we stand now regarding repairs or getting money back, as we have paid for a substandard job? Their website is already down and I have heard they are selling equipment and leaving the premises. Can I do anything? Thank you for any advice.

Jaxoncook · 21 March 2018 at 8:48PM

Hi
Ive just gone bankrupt but when i told my Official receiver about a loan i told her i borrowed £3000 from my mum and £1000 from my husband. I panicked as she was quite intimidating and i suffer with mental illness and the tablets im on make me suffer with foggy brain. My mum has now received a letter from the solicitors OR asking for money the money back but i havent got it and they dont have £3000 to give. Does anyone know what will happen if i tell tje Solicitor or OR that i panicked and felt ashamed and just said what came out of my mouth. I dont know what i did this morning let alone what i spent £3000 on. Any help will be appreciated im desperate

Ask a StepChange (formerly CCCS) counsellor a bankruptcy question

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