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tim73
New Member
57 Posts |
 Posted - 23 January 2009 : 15:36:38
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| i live with my parents and they know nothing of my decision to go bankrupt is it possible they dont have to find out? and how do i avoid them being blacklisted? thanks tim. |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 23 January 2009 : 16:08:14
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Tim
They wont be blacklisted as such as there is no such thing but you can file for a notice of disasociation from the credit file people, Experian, equifax and Call Credit.
As for finding out they should not really, but i would if you can tell them as you never know who may be sad enough to read the local paper and then tell your parents.
Best of luck
Jo
x
25 Weeks down
 Yippeee!
27 to go
 Im getting there!
I am always here for you, via posting, email or if you want a one to one chat that can be arranged. I cant give legal advice as i am not trained but i can give you general info and also the personal touch from my experience only.
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 23 January 2009 : 17:07:07
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Great advice Jo.
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 23 January 2009 : 17:20:23
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Thank you i am learning from the many experts on here that post, so watch out Julian i could be after your job 
Nah, only messing.
Jo
x
25 Weeks down
Yippeee!
27 to go
Im getting there!
I am always here for you, via posting, email or if you want a one to one chat that can be arranged. I cant give legal advice as i am not trained but i can give you general info and also the personal touch from my experience only.
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 23 January 2009 : 17:35:36
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Sense of humor on a Friday ... like it, like it :)
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 23 January 2009 : 17:41:08
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Hee, hee, hee 
Jo
x
25 Weeks down
Yippeee!
27 to go
Im getting there!
I am always here for you, via posting, email or if you want a one to one chat that can be arranged. I cant give legal advice as i am not trained but i can give you general info and also the personal touch from my experience only.
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 23 January 2009 : 19:39:57
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I think its best to tell your parents, I dreaded telling mine for weeks, then I just sat down with my mum and told her that I cant cope with all these debts any more, she originally offered me £15k to do a full and final IVA, but she then had some emergency expenses to deal with, and she could see how the depression was getting worse and the telephone calls from the creditors where getting worse too that she was ok with it, infact me Mum and Dad want to come to court with me on Monday, and want to go with me infront of the judge so that I dont feel on my own, they are even paying my fees.
Stu J Byron |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 23 January 2009 : 19:48:11
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Tim
As both myself and Stu have said it may be better to swallow your pride and explain. I know they may not like it but you have started to take control and you need to get all things sorted out.
I never wanted to tell my parents, they found out because i tried to take my life, they asked why and i told them i had no choice but it was the best thing i could have done some of the strain and stress had started to lift when i did.
Best of luck
Jo
x
25 Weeks down
Yippeee!
27 to go
Im getting there!
I am always here for you, via posting, email or if you want a one to one chat that can be arranged. I cant give legal advice as i am not trained but i can give you general info and also the personal touch from my experience only.
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 23 January 2009 : 19:54:16
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Totally agree with you Jo, now that ive told my mum and dad, especially my mum being a senior financial and IT consultant, I feel like a big weight has been lifted off me.
They way I approached it was to bring my bankruptcy forms to my mum (I live with my parents) and then explain what was going on, she told my dad and then we had a big talk, one of the best things I have ever done.
Stu J Byron |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 23 January 2009 : 19:55:51
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Hi Stu
The weights are starting to lift away slowly.
Good luck my friend for Monday, i will be thinking of you.
Let me know how it all goes.
Jo
x
25 Weeks down
Yippeee!
27 to go
Im getting there!
I am always here for you, via posting, email or if you want a one to one chat that can be arranged. I cant give legal advice as i am not trained but i can give you general info and also the personal touch from my experience only.
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 23 January 2009 : 19:57:08
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Thanks Jo
Think im getting a chest infection think I will have to go for a run tomorrow to clear it.
Glad to see you back, wasnt the same without you.
Think I have everything sorted but not sure if im taking too much, ill drop you an Email later if you dont mind
Stu J Byron |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 23 January 2009 : 19:59:21
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Oh Stu, sorry to hear that your not well.
Of course you can email or call me you know where i am.
You take care, dont want you poorly for Monday and i will be there in spirit when you are at the court.
Take care
Jo
x
25 Weeks down
Yippeee!
27 to go
Im getting there!
I am always here for you, via posting, email or if you want a one to one chat that can be arranged. I cant give legal advice as i am not trained but i can give you general info and also the personal touch from my experience only.
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sjbyron
Average Member
United Kingdom
746 Posts |
Posted - 23 January 2009 : 20:18:38
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Thanks Jo
I ran 7.5km in 40 minutes in the gym today cleared the head and the chest, not sure how that works but it does.
When the computer stops playing around I will drop you an Email think I have done me forms wrong
Thanks
Stu J Byron |
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i live with my parents and they know nothing
