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Mrsroller
New Member
United Kingdom
74 Posts |
 Posted - 22 August 2009 : 11:45:07
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I am hoping to finish my SOA forms this weekend and then proceed with the bankruptcy. As of today I have not missed a payment but that will change soon as no savings left. Is it a good idea to write to everyone and tell them I am going bankrupt to hopefully avoid the phone calls as I would prefer not to have to change our phone number.
Also I have a monthly pension that goes into my bank account wiith the Pru and wrote and asked if it could be paid into another account and they said only one in my name. I have heard about the Co-op cashminder so should I open that before or after I submit my forms. Thanks for all your help it has been a great source of comfort, you are all amazing. |
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mick1972a
Junior Member
235 Posts |
Posted - 22 August 2009 : 12:45:30
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Hi I never told my creditors and some had not been payed for quite a while. I dont really think it matters, some have said they tend to get more aggresive if you do tell them and may hassle you more trying to get some payment before your BR.
They will ring you anyway and will still prob ring you a little while after going BR so it really does not matter either way.
I opened my cashminder account a week before going BR and told them that I intended going BR they were very friendly and fine with that.
I was advised not to put the coop account on the SOA as it was not a debt and was just going to be used for my salary and this was fine.
Just mention it to the OR when you have your interview as I did and that was that.
Mick |
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Mrsroller
New Member
United Kingdom
74 Posts |
Posted - 22 August 2009 : 12:48:27
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| Thank you very much for your advice |
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 22 August 2009 : 13:22:39
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Hi Mrsroller,
I did not tell my creditors.
When they rang after my BR was lodged, I told some of them then and gave them the BR reference to contact! (and said goodbye my dear foes!) Some were aggressive at that point - my view is not to tell them.
I strongly recommend to change your phone number(s) - go ex directory with your landline - and maybe change your mobile (depends if any of your creditors have that number really) The landline is easy to do and should not cost you anything - simply stops the irritating so and sos calling you with "wake up calls" at stupid times of the day!
Again, from my point of view, the Co-op Cashminder is the best I have seen. They are very BR friendly - they treat you with respect - which is a tad unusual for a bank!! (sorry to any bankers reading this!)
Good luck, Richard
"There are no problems - only solutions..." |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 22 August 2009 : 15:12:03
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Personally I wouldn't bother telling them prior to your BR.
Once you have been declared bankrupt, if they get nasty when they phone up, I would take great delight in informing them that I was bankrupt, and to do their worst!
The glimmer gets brighter all the time
Jan
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Mrsroller
New Member
United Kingdom
74 Posts |
Posted - 22 August 2009 : 15:46:12
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Ok thanks. Perhaps changing the phone number is best then, its just explaining that to my mum etc as I really dont want to tell everyone whats happening. Gonna have to think of a good reason I guess. |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 22 August 2009 : 17:48:57
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Tell them that you have been receiving nuisance phone calls.
We had some of those a few years ago - people coming out of the pub would dial our number - no idea where they had it from. We changed our number no problem.
Also ask that you be ex directory.
The glimmer gets brighter all the time
Jan
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 22 August 2009 : 18:12:00
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hi again Mrsroller,
In my case I rang Virgin and said we were getting nuisance calls - we were already ex directory as I always wated peace when I got mome when I had my businesses!!
It was not questioned, he was very helpful and it took about a week or just over to do - and best of all, no charge!
A bit of inconvenience as you may well forget to tel someone you actually like that you have changed the number - but the key with a landline is to expressly request that the number be ex directory (that is essential otherwise the  debt parasites will find out!!)
Good luck, Richard
"There are no problems - only solutions..." |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 22 August 2009 : 19:52:35
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If you are BT then there should be no charge either.
Do emphasise that you want to go ex directory though as Housing says.
The glimmer gets brighter all the time
Jan
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Mrsroller
New Member
United Kingdom
74 Posts |
Posted - 23 August 2009 : 13:08:13
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Thanks we are already ex directory so would certainly do that again. I just have a mother that still worries about me although I am 58 which is why I dont want to tell her about the bankruptcy. Also I guess I feel I have messed up big time. |
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 23 August 2009 : 14:45:25
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Hi mrsroller,
I am 57 (one year behind you!).
I was a successful businessman for many years - always thought I had made the "big time"!!
I then found out I had not and I had foolishly borrowed and there was no other way out... I know how you feel about "telling people" - it is best to be honest though - I am sure your mother adores you and will be understanding.
May parents are both dead, but my mother in law is 80 this year - we told her (I was a bit embarrassed about it) - but she is there for my wife Sue and I - therefore tell he - it is potentially another part of your "support network"
Do not be too hard on yourself (That is easy to say sometimes though!). There is no shame in what has happened to you or any of us - if we only knew what was around the corner in life, things would be different - what has happened to you has happened - and also to millions of others too
Regards, Richard
"There are no problems - only solutions..." |
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Mrsroller
New Member
United Kingdom
74 Posts |
Posted - 23 August 2009 : 14:55:14
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| Thanks so much for that Richard. Probably is best I tell her. Im still ploughing through the SOA and there is so much to do and dates and things to find. Am I right in thinking that you filed in Plymouth. Was wondering how long after filling out forms it was before you could take them in. Getting worried now that the money has run out lol. |
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 23 August 2009 : 15:08:19
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Hi Katherine 
Yes, I live in Plymouth and my businesses were in the city so I went to Plymouth CC to file the petition (that was in May 2009). I filled out my form overnight and had an appointment already booked the previous day - otherwise I may not have done it!! Not that I regret it as I do not, simply it was a BIG step to take so I did it whilst I had the courage - a friend assisted me with the forms for moral support really.
I was in front of the DJ for three minutes and she was very nice - made me feel relaxed.
I then walked up to the OR office having told the County Court I was going there straight away - they rang the OR to tell them so I saw an officer right there - was with him for about 1 hour and had some "goods" to give him there and then.
My appointment was made for two weeks after (9th June). I saw a fantastic interviewer (I should not mention his name), however he was really good to me - it heped that we had a common interest - I had studied law a long time ago as a postgraduate student and he was a lawyer although not practising as a lawyer.
My interview was 10 hours (That was an exception, and maybe a record!!) (Do not worry about that!)
Anyway, the OR office is, from my experience, a sympathetic office and will do all they can to assist you through the process - even to providing water and tissues at my interview!!
Boy, I am baring my soul here!!
What I am saying really is this - if you are insolvent and BR is your only option - take it - life does go on and some days are - but most are
So good luck Kathryn, Regards, Richard
"There are no problems - only solutions..." |
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Mrsroller
New Member
United Kingdom
74 Posts |
Posted - 25 August 2009 : 23:13:52
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Hi Richard, hope you dont mind my asking your advice.
I have just about filled out the online forms, just not sure what to put as in bank account cos I have made a couple of last payments that wont show up yet. My questions is 'HELP' what do I do now.
I print off 3 copies it says, presumably I ring for an appointment to take forms in?? When I take them do I take all the other relevant paperwork. I have a lever arch full of bank statments, credit card statements, proof of gas elec etc. Do I also cancel any D/D now. I guess I should ask the experts but as you have been through it in Plymouth hope you dont mind.
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 26 August 2009 : 07:40:38
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You don't need to take the bank statements, etc. to the court with you as the OR will ask for these separately.
There is no point in continuing with the loan/CC repayments so cancel the direct debits and use this money to save for the BR fee. You will still need to pay things like the mortgage if you want to keep the property, the council tax and utility bills but loans/CC can be stopped.
Give the court a call and book the appointment. Some courts are quite busy so it may be several weeks before your court date so it's best to book the appointment as soon as possible. |
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 26 August 2009 : 08:09:17
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Hi Mrsroller,
I agree with gettingoutofdebt - you do not need all of your paperwork at the time you go to court for the BR hearing.
I was very lucky, I picked up the SOA etc and booked an appointment there annd then with the court - I waas there the following morning at 9.30 as they had a cancellation. I then went straight up to the OR and saw someone immediately for a brief conversation (about 1 hour - I had some information wuth me (as I had completed the SOA the night before with the assistance of a friend that is why I handed the info over straight away.
My interview was booksed that day for 2 weeks ahead - That was May - I am sure appointments are not so easy now as there are well in excess of 100 BRs in Plymouth each month - If I recall you will be dealt with my the Plymouth OR?)
I cancelled all my direct debits and standing orders on the same day - so as gettingoutofdebt has said, do not pay cc and debits from now on.
Good luck, Richard
"There are no problems - only solutions..." |
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Shall I tell creditors
