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| T O P I C R E V I E W |
| rabbit007 |
Posted - 20 August 2009 : 23:15:06
another help please,under unsecured creditors,WHAT WAS THE DEBT FOR? CAN I JUST SAY GENERAL EXPENSES? |
| 4 L A T E S T R E P L I E S (Newest First) |
| Melanie.n |
Posted - 21 August 2009 : 09:06:56
The OR is not there to trip you up in any way, it is perfectly acceptable to state day to day expenditure, lets be honest thats what the majority of us use our credit cards for. All the OR is looking for is any large expenditure such as an exotic holiday recently paid for via a credit card or similar large expense, not general use
Hope this helps, and try not to worry too much just complete the forms to the best of your ability with brief explanations
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
email me at melanienicholas@jonesgiles.co.uk
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| Housing |
Posted - 21 August 2009 : 08:16:21
Hi 
I had 10 credit cards (I am ashamed to say). I put down general expences on the SOA. At my interview the OR (very kindly) asked me if I could tell him how I had spent the money - he was not awful when he asked - he was trying to assist me.
You may get an OR that will be happy with what you have put already - do not stress about it if the OR wants detail, they will ask for it.
regards, Richard
"There are no problems - only solutions..." |
| rabbit007 |
Posted - 21 August 2009 : 08:12:26
thank u.actually i didnt buy any.i dont have any asset.will the or still ask me where did i used all the money?
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| gettingoutofdebt |
Posted - 21 August 2009 : 07:10:05
Yes, that is fine. For my credit cards I just put 'general expenses' or 'day to day living costs'. |
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