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About ollandalf

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  1. Louise, how can we move out when we are not currently in arrears, won't that look dishonest? I am also worried about what happens to our income, does the OR take all our income and stipulate how much we can have for a rental property or do we decide ourselves? Does the OR treat you like a person or are they horrible? We are also worried about actually going to court, what was this like? Sorry for all the questions!
  2. Thanks for the replies. My wife has been all the way up to her MD at the bank... they have said there is no precedent for people staying on who have make themselves bankrupt, and most actually resign prior since they are dismissed under a gross misconduct charge or as ACAS put it frustration of contract???... not something she wants on her record after several years at the bank being a top performer in her role...( she is not fsa regulated and purely in an advisory role) Most of our debts are joint including the business ones sine we both gave personal guarantees. To be honest. We wo
  3. Hello all, First post and worried sick is probably not a truer statement! Our situation is as follows:- House - Mortgaged 100k+ neg equity.... NO ARREARS CURRENTLY Unsecured debt 144k --- from a mixture of business (guarantees) and personal - constantly being hounded. Having read the wonderful supportive comments on the forum have decided from a combination of National Debtline, CAB and here that bankruptcy is probably our best way of having a fresh start. My partner works for a bank and has been told by numerous sources that she will be dismissed if we go ahead
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