Please help. Out of courtesy I emailed my Landlord to inform her of my impending court date and to see if it would affect our tenancy agreement. She has just responded and is very sympathetic and understanding but has said that in order to stay in the flat I need to register the BR at another address. I dont have another address to register at so what am I supposed to do? I'm going to Court on Thursday and was all prepared and calm until now. Please help.
You should inform your landlady that the address will not be affected when declaring BR as it is only the person who is affected. Your BR won't appear in the local paper so there will be nothing to link your address to the BR.
You also need to declare BR at the address you have resided at so could be in trouble if you decided to declare BR at another address.
I can only re-iterate waht has ben said. Remember though that if you have lived in other property in the last six years especially if debt has been accumulated there you need to include this on your petition.
I have today emailed my Landlady again and she has said that she may re issue a tenancy agreement in just my partners name with me 'named' on it? I think I'm going to have to cancel my court date on Thursday until she replies as I dont want to upset the apple cart with her. Am a bit gutted as I was all geared up for Thursday
Did you tell your landlady that you were going to postpone the BR hearing? If not then I would go through with the BR and if she wants to re-issue the tenancy then that is her decision.
I can understand you wanting to keep on good terms with your landlady but you have no choice but to use that address on your BR form even if you are only a named party on the tenancy agreement. Waiting until she has re-issued the tenancy agreement will not make any difference to either you, her or the address.
I've just received another email from my Landlady and she said she is concerned that my name will be on the Insolvency Register at her address until 3 months after discharge (I do understand their concerns as I would probably be the same). I have just emailed back and suggested that my partner and I sign a new agreement to stay until I am removed from the register..if this is agreed to i'll make another appointment at the Court asap. When I called the court yesterday to cancel my appointment for today she said there is no waiting list and I would get an appointment immediately so at least I know I wont have to wait for ages.
You really have no alternative but give your address when filing for bankruptcy. In all honesty your landlady should not be affected at all by your bankruptcy.
I wonder if there is way to proof to your landlady that she will not be affected. We all have to live somewhere and not all the people in the household are bankrupt so why should it affect them. Surely the same should apply in a tenant, landlord relationship.
As an ex landlord, i was always so concerned about my credit file and the what ifs involving tenats and debts.
Yes when applying for an alternate mortgage, i had to list all of my properties, one of my properties did come up with a flag about debts, i then had to send a letter of dissassociation to the mortgage company and credit search companies.
The new mortgage did go through and that property and debts were seperated.
perhaps if it would have not go through, i would not have tried to get more props and end up in the mess i was.... such is life, would have been boring thou !
Please help. what am I supposed to do?
Posted - 01 February 2010 : 21:19:19
