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daisy duck
Junior Member

United Kingdom
201 Posts

Posted - 07 February 2010 :  10:31:58  Show Profile  Reply with Quote
Hi. My wife has got a court date 22 Feb and would like to include her mobile contract in BR. She is paying £35 a month and is not in arrears on her bill but the payment date is 29th of the month.
Will she be able to include it in BR or should she wait a week until she defaults on paying the bill and is in arrears to include it.
Many thanks

gettingoutofdebt
forum expert



2418 Posts

Posted - 08 February 2010 :  07:35:27  Show Profile  Reply with Quote
She can include the amount on the BR forms as the amount will be due by the time she has the OR interview.

The phone company will probably cancel the contract if you include the repayment in the BR so you may need to look for another mobile provider.
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Blackie
forum expert



United Kingdom
565 Posts

Posted - 08 February 2010 :  07:44:23  Show Profile  Visit Blackie's Homepage  Reply with Quote
Hiya Daisy

A lot depends on whether your wife pays her telephone bill in arrears or in advance. If it is paid in arrears, the amount that would vbe outstanding on the day that your wife makes herself bankrupt can be included. However any debt incurred after that date is the responsibility of your wife.

All the best

John Blackadder
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Richard P
Senior Member



United Kingdom
1701 Posts

Posted - 09 February 2010 :  21:50:24  Show Profile  Reply with Quote
Hi Daisy

does your good lady wish to keep the phone contract going after / during bankruptcy ?

is the phone essential for work ?

your answer may dictate if teh phone company becomes creditor

regards Richard
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daisy duck
Junior Member

United Kingdom
201 Posts

Posted - 09 February 2010 :  22:43:19  Show Profile  Reply with Quote
quote:
Originally posted by Richard P

Hi Daisy

does your good lady wish to keep the phone contract going after / during bankruptcy ?

is the phone essential for work ?

your answer may dictate if teh phone company becomes creditor

regards Richard



No my wife does not wish to keep her contract going anymore and the phone is not essential for work.
Once she gives up her mobile she is going PAYG.
Thanks.
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Richard P
Senior Member



United Kingdom
1701 Posts

Posted - 10 February 2010 :  10:29:32  Show Profile  Reply with Quote
Hi DD
cancel the phone direct debit

enter phone company as creditor and put down nominal value of £1

good luck on 22nd

regards Richard
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