Hi, Sorry to keep asking questions but its all so confusing. here goes "We had a court hearing in October for a loan we wanted to make lower payments on, the decision was to put a charging order on our home, they said we have to write to the solicitors acting on behalf of Natwest to agree to the charging order. We havent done anything because since then we have decided to go bankrupt, my husband has now got a hearing date for the same thing (to make lower payments), we have changed the date of the hearing because we want it a late as possible to give us chance to go bankrupt etc. We have now got a letter for the charging order (so I take it they have already done it without us signing anything), where do we stand with this if we go bankrupt, does this just get put in the bankruptcy or do we leave them to argue it out with the mortgage company? Sorry its just so hard to explain. Also I have an appointment with CAB on the 11th December to fill in the bankruptcy forms for me, do you know if they take it over and do everything for you? Many thanks xKatiex

Also I got the bankruptcy forms yesterday, ohh my god there are a lot of pages and it all looks complicated, who helped you fill them in Kirsty coz I have been to citizens advice before and cant get through the 1st person to get to a financial advisor to help us, they say 'have you considered your options, what about an IVA etc...' I dont want a IVA or anything else for that matter, got too many debts, I want to be stress/debt free. xx

Thank you so much Kirsty, you have really helped me out a lot. I cant believe they issues you with a visa debit, thats really bad for them but good for you hee hee. I know they also freeze your bank account, do I take out all my money before they do or do I leave the money in and let the official reciever give us spends for the month? xx

Hiya again sorry to keep pestering you but Kirsty what do they ask you in your appointment when u go bankrupt, what happens.

Thank you Kirsty for your advice. Im just a little worried because I am not in arrears with anyone at the moment, I have stopped direct debits for my debts and end of this month I will then be in arrears. I havent told the mortgage company that I am moving out is that right?? I keep thinking Im going to do all of this and they turn down my request for bankruptcy, they cant do that can they?? unless they can see you have more money than you say. I am moving out this saturday do I need to inform anyone or should I just send the mortgage company the keys when I have finished? It is a worrying/stressful time as you well know, I know I will be better off after it all and I know I will probably get an imcome payment order but I think thats only for 3 years, my debts are going to be going on a lot longer if I carry on the way Im going. I must admit it is so comforting knowing there isnt just my hubby and I going through this, at the time you just think u are the only ones. When I came on here and read the posts it really perked me up. Thanks for your advice. xx

If lenders ring and ask why they havent been paid do I tell them that Im saving up to go bankrupt??? or ill they then start to be funny

Do I have to tell the rental company when I go bankrupt??? if so will it affect my rental agreement if I have 2 guarantors??

I would like to thank everyone that has posted on here, I have just registered to thank you all as you really have helped me. I was worried as my husband and I have always had good credit up until buying a house . We are going through the same situation, we have just got rented accomodation we move in next week, we are going to hand the keys back to the mortgage company. We could only pass for renting if we had a guarantor each. Is it right how I am doing this; 1. find rented accomodation 2. Give keys back 3. save up for bankruptcy 4. Pay for Bankruptcy 5. go to court 6. BE DEBT FREE and happy would you advise to keep the keys or hand them in??