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amieejn
Starting Member
7 Posts |
 Posted - 13 November 2009 : 20:23:56
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| hi, im planning on going bankrupt very soon how ever ive got myself into arreas not large sums at my new flat where im living now what will happen with these arreas ie water rent ect, i am paying as much as possible to get these cleared although after having my hours cut back at work its only going to get worse :( |
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theguvnor
Junior Member
100 Posts |
Posted - 13 November 2009 : 20:51:36
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| hi and welcome, best to outline on here your exact debts and arrears so people can give accurate advice. most arrears can be included iin Bsnkruptcy but obviously your rent arrears may mean you have to move if you are not in social housing. have you had any advice regarding your debts? |
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 13 November 2009 : 22:53:49
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Hi
Welcome to the forum
I will be happy to offer any advice within my area of knowledge (housing practice and the law surrounding it) if necessary
There are many people here that will be able to assist you through cyber advice and the experts will be able to give actual practical advice
Wish you well, Richard
"There are no problems - only solutions..." |
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amieejn
Starting Member
7 Posts |
Posted - 14 November 2009 : 07:19:10
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quote:
Originally posted by Housing
Hi
Welcome to the forum
I will be happy to offer any advice within my area of knowledge (housing practice and the law surrounding it) if necessary
There are many people here that will be able to assist you through cyber advice and the experts will be able to give actual practical advice
Wish you well, Richard
"There are no problems - only solutions..."
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amieejn
Starting Member
7 Posts |
Posted - 14 November 2009 : 07:22:18
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thanks every1 for replying to me, could you tell me what happens about other debts i have but i dont knoe who to and how much so i cant include these on my forms as i dont have and letters or amounts i just no that from years ago i have more debt?
i really appreciate your answers its really nice to no theres people out there who want to help
many thanksquote:
Originally posted by Housing
Hi
Welcome to the forum
I will be happy to offer any advice within my area of knowledge (housing practice and the law surrounding it) if necessary
There are many people here that will be able to assist you through cyber advice and the experts will be able to give actual practical advice
Wish you well, Richard
"There are no problems - only solutions..."
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theguvnor
Junior Member
100 Posts |
Posted - 14 November 2009 : 07:38:22
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| im sorry but your last post is confusing, any debts you put on your forms will be includedin your Br except for a limited few (student loan, csa arrears, court fines)if you dont know what you owe than you need to put a rough figure and the Or can find this out. but u need to know who you owe money to. when you say years ago how do you know you still owe money. how much do you owe in total? (if you dont want to post on here that is fine) have you had any expert advice re your debts? |
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amieejn
Starting Member
7 Posts |
Posted - 14 November 2009 : 07:51:15
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me and my son had to move around a real lot as i had some troubles with his father, so in the space of three years i probly lived at around ten different address, each time having to move again i no i left bills behind me, now in my new home as no one knows my address i have no mail from my past coming here so i dont know to who or for how much i ow people for instance i had a mobile phone on contract which i left behind as we had to move in such a hurry i dont know the amount of the bill i dont think i even remember to who it was i signed up to, im really lost as how do i put these debts on my forms if i dont no who i ow to, i no i sound confusing and that is exacltly what i am :(quote:
Originally posted by theguvnor
im sorry but your last post is confusing, any debts you put on your forms will be includedin your Br except for a limited few (student loan, csa arrears, court fines)if you dont know what you owe than you need to put a rough figure and the Or can find this out. but u need to know who you owe money to. when you say years ago how do you know you still owe money. how much do you owe in total? (if you dont want to post on here that is fine) have you had any expert advice re your debts?
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amieejn
Starting Member
7 Posts |
Posted - 14 November 2009 : 07:55:24
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for what i no so far for letters i do have i ow around £30,000 this includes no store cards or credit cards or anything like that its just for things like rent, council tax water charges and things like that
im sorry but your last post is confusing, any debts you put on your forms will be includedin your Br except for a limited few (student loan, csa arrears, court fines)if you dont know what you owe than you need to put a rough figure and the Or can find this out. but u need to know who you owe money to. when you say years ago how do you know you still owe money. how much do you owe in total? (if you dont want to post on here that is fine) have you had any expert advice re your debts?
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theguvnor
Junior Member
100 Posts |
Posted - 14 November 2009 : 08:15:58
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ok, i see. try not to worry...ideally if you can remember who you owe money to then you just list them down if you dont recall the amount its no real issue (when you go br an ad is placed in the london gazette and anyone whom you owe money to can contact the OR and tell them you have outstanding debts with them.
have you done a free credit check with experian as this may list some of your outstanding debts
sorry to hear you have had such a bad time, i had 50k worth of debts and two kids. it was tough going BR but my life is so different now and my kids actually have a better life now.
if you click on the 'contact an expert' link and send a message outlining youe circs they may be able to offer good advice alternatively contact Melanie N who is an insolvency guru and she will be able to discuss things with you (free) find her contact dets by putting melanie n in the search box. she helped me out no end.
keep ya chin up
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amieejn
Starting Member
7 Posts |
Posted - 14 November 2009 : 08:38:20
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thanks so much for your advice i have not done a credit check as i have to put in cc details although the first month is free and i do not have one, i work full time time and things are a little better than before weve been in our new flat about a year and half and my son has finally settled into school properly without moving, i just want a proper fresh start with everything and try to live a normal life but this bankrupcy thing is quite head boggling, lol anyway i really appreciate all of your help it means the world thanks so much
amiee-j :)quote:
Originally posted by theguvnor
ok, i see. try not to worry...ideally if you can remember who you owe money to then you just list them down if you dont recall the amount its no real issue (when you go br an ad is placed in the london gazette and anyone whom you owe money to can contact the OR and tell them you have outstanding debts with them.
have you done a free credit check with experian as this may list some of your outstanding debts
sorry to hear you have had such a bad time, i had 50k worth of debts and two kids. it was tough going BR but my life is so different now and my kids actually have a better life now.
if you click on the 'contact an expert' link and send a message outlining youe circs they may be able to offer good advice alternatively contact Melanie N who is an insolvency guru and she will be able to discuss things with you (free) find her contact dets by putting melanie n in the search box. she helped me out no end.
keep ya chin up
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 14 November 2009 : 09:01:10
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Hi again,
Not sure what your position is with your home. It appears you renting and not an owner at present. Are there arrears with your rent and if so how much?
How much is the monthly rent? Have you contacted your landlord and do you have any dependent family?
Sorry that is a lot of questions - happy to assist with a possible way forward on the accommodation side - that is my area of knowledge. I am sure others will assist more generally on debt and the way to go.
Good luck, Richard
"There are no problems - only solutions..." |
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RHB
Senior Member
1159 Posts |
Posted - 14 November 2009 : 09:08:10
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| I think you need to visit your local CAB office. I also think you need to list all your outgoings & see where your money is going because once you are BR you really will only be able to spend the money you have coming in & will be expected to pay this years council tax etc. I think you can write to Experian & send a cheque to get your credit report. |
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amieejn
Starting Member
7 Posts |
Posted - 14 November 2009 : 09:17:14
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thanks guys for everyone who has messaged me back but i dont think i should continue coming on this site this is making me really ill i feel like im going to have a heart attack or somthing i think its just to much to fast, im really really gratefull to everyone i really am but it just just to muchquote:
Originally posted by Housing
Hi again,
Not sure what your position is with your home. It appears you renting and not an owner at present. Are there arrears with your rent and if so how much?
How much is the monthly rent? Have you contacted your landlord and do you have any dependent family?
Sorry that is a lot of questions - happy to assist with a possible way forward on the accommodation side - that is my area of knowledge. I am sure others will assist more generally on debt and the way to go.
Good luck, Richard
"There are no problems - only solutions..."
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 14 November 2009 : 09:22:26
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quote:
Originally posted by amieejn
thanks guys for everyone who has messaged me back but i dont think i should continue coming on this site this is making me really ill i feel like im going to have a heart attack or somthing i think its just to much to fast, im really really gratefull to everyone i really am but it just just to much[quote]Originally posted by Housing
Although the BR process can seem very daunting don't make the mistake of ignoring your financial problems as they will only get worse. From what you have said so far BR is probably not the right option however I would strongly advise you to contact the CAB sooner rather than later. At the moment you may have several options open to you but the deeper in debt you get the fewer the options. |
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RHB
Senior Member
1159 Posts |
Posted - 14 November 2009 : 12:17:37
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| Amiee, it will make you feel a lot owrse if bankruptcy is forced on you or your landlord evicts you from your flat. As you say, you are getting your life together & your son is happy, you need to be strong to make sure this continues & you need to take control. First thing on Monday morning, ring CAB I promise that once all your financial mess is cleared up you will feel 100% better. |
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hi, im planning on going bankrupt very soon
