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| T O P I C R E V I E W |
| Lee.69 |
Posted - 03 May 2010 : 21:52:07
HAS ANYONE HAD TO GO BANKRUPT FROM DEBTS THROUGH GAMBLING, IF SO HOW MUCH WERE YOUR DEBTS AND WHAT HAPPENED??? PLEASE HELP ME.
IV GOT MYSELF INTO 26K OF DEBT THROUGH BETTING WELL MOST OF IT IS, PROBLEY 22K. REST IS FROM A LOAN, AND ITS ALL ON 4 CREDIT CARDS IV BEEN PAYING MY BILLS BUT I CANT COPE WITH IT ANY MORE I JUST CANT AFFORD IT, AND IV JUST HAD MY HOURS AT WORK HAVE BEEN CUT SO I NOW EARN AROUND 200 PER WEEK TAKE HOME. WHAT WILL HAPPEN TO ME IF I GO BANKRUPT. I NEED HELP I GET LOADS OF CALLS FROM BARCLAYS CHASING ME COZ IV FALLING BEHIND WITH PAYMENTS, |
| 8 L A T E S T R E P L I E S (Newest First) |
| Richard P |
Posted - 19 May 2010 : 22:22:20
Hi Lee
relax what has happened has happened.
The OR is understanding, what they will want to see is that you had a slight issue which may have contributed to you applying for Bankruptcy you have addressed that issue.
what they dont want to see is you back applying for bankruptcy again for the same reason.
GA is anonomous so the OR can only ask if you have had help or guidance, not how you have got on
your debts will not go away so take the brave step and start the bankruptcy procedure
good luck regards Richard |
| LROB1979 |
Posted - 19 May 2010 : 21:40:42
THANKS FOR ADVISE HAD LOGGING IN PROBLEMS, IV STILL ONT GONE THROUGH WITH IT YET. RELLY NOT SURE HOW THEY WILL SEE MY CASE
Hi Lee,
I declared myself bankrupt in Spring 2009 and about a quarter of my debts were due to gambling. I don't neccessarily think it is the amount you are in debt for, but the percentage of the overall debt that is down to gambling, that might affect whether you get a BRU or not. To be honest I thought I might end up with a BRU, but I am now discharged and didn't get one, so I consider myself lucky really. Saying that though, I did undergo counselling right from the beginning of my bankruptcy and I was banned from the local casino's in my area (not sure who arranged that, but it wasn't a self ban). I haven't gambled for a year now and although I can now see how pointless it was and how stupid I had been, I would like to be able to go to the casino with friends, if only to watch them play. I am in the process of asking the casino's if I can be allowed back in, but not sure whether they will accept me or not at this stage.
Anyway, just thought I'd let you know what happened in my case. All the best.
xmas baby
[/quote] |
| LROB1979 |
Posted - 19 May 2010 : 21:38:33
THANKS FOR ADVICE, HOW WILL THEY KNOW IF IV BEEN GOING TO GA OR NOT, I WENT FOR A BIT BUT THEN STOPED, THANKS FOR YOUR HELP, quote:
Originally posted by sjbyron
Hi
Make sure you get some counselling first you need to prove that you have overcome your addiction to gambling or the judge may not allow you to go Bankrupt.
You may or may not get a BRU/O it depends on how well you write your statement of bankruptcy such as was the gambling just an addiction or did you gamble money to try and pay your bills etc
Best of Luck
Stu J Byron
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| sjbyron |
Posted - 11 May 2010 : 16:53:45
Hi
Make sure you get some counselling first you need to prove that you have overcome your addiction to gambling or the judge may not allow you to go Bankrupt.
You may or may not get a BRU/O it depends on how well you write your statement of bankruptcy such as was the gambling just an addiction or did you gamble money to try and pay your bills etc
Best of Luck
Stu J Byron |
| xmas baby |
Posted - 10 May 2010 : 13:13:55
Hi Lee,
I declared myself bankrupt in Spring 2009 and about a quarter of my debts were due to gambling. I don't neccessarily think it is the amount you are in debt for, but the percentage of the overall debt that is down to gambling, that might affect whether you get a BRU or not. To be honest I thought I might end up with a BRU, but I am now discharged and didn't get one, so I consider myself lucky really. Saying that though, I did undergo counselling right from the beginning of my bankruptcy and I was banned from the local casino's in my area (not sure who arranged that, but it wasn't a self ban). I haven't gambled for a year now and although I can now see how pointless it was and how stupid I had been, I would like to be able to go to the casino with friends, if only to watch them play. I am in the process of asking the casino's if I can be allowed back in, but not sure whether they will accept me or not at this stage.
Anyway, just thought I'd let you know what happened in my case. All the best.
xmas baby |
| Richard P |
Posted - 04 May 2010 : 10:36:58
Hi Lee
as debt info has suggested try and get some help for your gambling.
You will be able to go bankrupt, it is likely that you would receive a Bankruptcy Restriction Order.
Before you finally decide to take the plunge and opt for BR, how much longer will you be on reduced wages, if it is indefinate period then yes BR may be appropriate, if not their may be other options.
Barclays will continue to call until they have had enough and then they will sell the debt onto another company to chase you. they do not go away
If it is going to take you a few months to get your "house inorder" before going BR you may want to negotiate or get someone to negotiate with the bank.
can i suggest that you ring one of the experts to the left, as i believe that you will need to have your case presented properly to the OR in order to minimise the BRO
I used Paul and his team at Reviva and highly recomend making contact
good luck Lee
regards Richard |
| debtinfo |
Posted - 03 May 2010 : 22:16:52
Also, are yo still gambling have you received any help with it |
| debtinfo |
Posted - 03 May 2010 : 22:14:40
Hi LEE, probably the best thing to do is to have a read of this diary, from someone who is going through the same situation, as you can see there have been various ups and downs
http://forums.moneysavingexpert.com/showthread.php?t=1802595 |
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