thank you again!

thanks again, however as i live with my partner how would he be effected? He would have to find the full arears (although he wouldnt i would help if that makes sense ;-).

I am due to pay a 300 odd DD 1st Jan, no chance, so may advise them i am filling for BR and to hold off for a short time. Sound like a good idea?

Thanks, ok i will include it. I will speak with Payplan begin of Jan. But have had advice etc from them via email as they are who deal with my DMP.

How was the process for you sugarbabe47?

is it ok to estimate the figures of what you owe? I dont really wanna start calling and writing to creditors.

thanks again for your advice. Yes i think i may ask them this wknd as havin a festive drink with them b4 they go away for xmas. That is my main concern at the moment.... don't wanna end up losing my home as i can hardly afford to move about. That would actually put me off going BR and i'd carry on with my DMP throwing more money away.

ok if i dont have a tenancy agreement we literally just moved in... what is the likelihood of being evicted? We get on with our landlord and landlady very well (they live next door). Have never paid rent late in 8 months and myself and partner both work.

Also how would it work if i decided to state i was living back at my mums address? I have recently submitted our new working tax claim pack. But that will take time to sort, so i could leave out that i receive workin tax as at the moment we dont. And basically just be living back at home with my mum (her home is a housing association).

i hope that made sense???? So many questions all the time.

the debts on this credit report are ones actually at this address. Accept for mbna and cone which are still listed at old address, although i'm on a DMP and they have my correct address. However nothing attached to my mums address where most credit was obtained as i lived there on and off all my life.

There must be a way of defeating their system, a derilict house lol!

no havent, bit concerned i even have reading on here.... about them CRA selling info to DCA's. And i put my mobile number in. Can you change your details once you have registered your free trial?? E.g old mobile number diff/old address so it looks like you have moved etc????

hmmm, i took the the debt out after i had started on my DMP. Bit concerned it will look bad, so may leave out in that case.

Dont ask how i managed to obtained £750 in credit whilst on a DMP......

an advent, from pc world. was about 500 in september 2007.

I am a few months behind on Ctax, i live with my partner, we are not married, When i go bankrupt in Jan, how do i address the Ctax arrears can this be included with my BR? If so does this mean this is my partners responsibility even though i'll continue to live at my current address?

Bit confused

thanks any other thoughts would be great. Its hardly an asset, the depreciation on such items prob makes it worth 50 quid lol.

If i am applying for bankruptcy what happens to a debt that i CCA'd, that they admitted they could not locate my agreements and agreed to stop all pursual for the £800 odd sum.

Do i include this in my BR paperwork?

what about if you dont have all statements? I am currently going through the same thing and only keep my current months statements. I don't really want to start contacting creditors for anything!

I have recently viewed my credit file with Experian via their 30 day free trial thingy.

I have noticed under what i owe there seems to be a lot missing?

The section lists my catalogues, (1 missing, however they admitted to to CCA so eliminated the debt i believe) phone, basic cash account, 2 credit cards.

When in fact i have more credit cards, other outstanding overdraft accounts, some silly payday type loans, a laptopn under a loan agreement, and a Natwets loan.

So why are they not listed? Confused.... I am on a DMP and have been for the best part of this year. I am applying for BR in New Year and i was trying to establish the exact figures of what i owe.

Any ideas?....................

The laptop i have was bought in September 2007 via HFC finance, not under hire purchase but a loan agreement. I currently owe around £400 for it.

When i file my bankruptcy forms, what should i do about my laptop? Is it worth pretending it is broken or that i have sold it on, my mum said she would have it (in theory). My laptop is the only thing i own that is worth a small amount.

ok what level of income will allow me to have part of the BR fee waivered? I believe i have to include my partners income in this part? even though not his debt.

Also what tends to happy if you have spent some of the debt on gambling? And i mean a small amount £300-£400 over a period of time my debt is currently at around 15k.

he would have been registered at a previous address believe this is his 3rd since then. Yeah we have another sim ready.

Unless he hears via letter then not going to worry about it.

thanks for advice everyone.

Thank you all for your kind words. Some days i feel ok others i dont.

I think sometimes you can do too much thinking about a subject, which doesn't always help!

I realise its only money and my situation could be far worse. I don't own my home and i have no children.

I think for a while now i have been bogged down with everything. I had some personal problems my partner was in and out of work and we were struggling for months. I haven't actually done anything in ages. Rarely see my friends etc, because i'm either working/being the woman of the house or trying to sort my finanical mess out.

I haven't been abroad in 15 years. And have barely left my county lol.

So far my mum has been very supportive, she has done the usual well you shouldnt have let it get so bad and so on...... but besides that she speaks sense and tells me it really is the only way out, bankruptcy that is!

Which is true my DMP means i'll be debt free in 2046, not sure how when the interest mounts and the charges are added continually??? Whereas this way at least in 6yrs time it will be off my credit record and i can start a fresh. i will only be in my early 30's, still plenty of time to do things.

Does anyone know of any info on mortgage for bankrupties? Just interested for the future, if its poss and what interest you are likely to pay etc.

My sister (only and youngest) thinks i'm silly and doesnt understand as i have nothing to show etc etc. So her overall attitude has annoyed me.

I wish i had a bath in my place, really miss having a long soak and washing my troubles away.

Opsadaisy i wish you all the best in the New Year, i hope something works out for you and your family!

Thank you everyone. I must admit without this forum i'm not sure where i'd go or what i'd do.

so if he went bankrupt, he would be clear of his debt and they would chase her for it. Does it matter that he hasnt spoken in some time and doesn't know her exact whereabouts? just that she is in NZ somewhere?

Thanks for all the advice.

i do not have a tenancy agreement??? i just pay weekly and get a receipt. I am uptodate with my rent.

thank you will have a look at that link.

thanks yes i thought about accupuncture but cant afford it really.

meaning about 2 years and was not registered at our current address. But i suppose his details are registered somewhere

no he has had number and phone for a long time.