I owe a lot!

[standingupformyself]

If you are income support then I am pretty sure the bankruptcy costs are much smaller anyway....

[fermi]

If you are income support then I am pretty sure the bankruptcy costs are much smaller anyway....

 

Yes. You should be able to claim exemption/remission for the £150 court fee. The £335 deposit/fee for the OR will still be payable though.

 

Full details and conditions of how to claim under new exemption/remission scheme is here:

 

http://www.hmcourts-service.gov.uk/courtfinder/forms/ex160a_e1007.pdf

 

While the claim form itself is here:

 

http://www.hmcourts-service.gov.uk/courtfinder/forms/ex160_e1007.pdf

 

If you are in any doubt as to your eligibility or the level of exemption/remission then please contact the court.

 

Good luck with the interview for the new job.

[loopy_lou1]

Thanks Fermi. I know about the exemption form. It's finding the other £335. As soon as I get another job I will book my BR. So it's done. It's the worst thing on my plate now. I could handle not working for a couple of weeks if I didn't owe so much money.

[Tau]

Hi Lorna

So sorry to hear about your latest predicament, Im sure something will turn up for you. Why not write to HFO and ask them to bankrupt you. Save you some dosh:)

[fermi]

Thanks Fermi. I know about the exemption form. It's finding the other £335. As soon as I get another job I will book my BR. So it's done. It's the worst thing on my plate now. I could handle not working for a couple of weeks if I didn't owe so much money.

 

I know. Trying to find the fee is a major struggle for many people.

 

Keep everyone updated on here and MSE. We'll do our best to help you through it all.

[fairbank]

if you go BR do you lose your house even if its in negative equity?

[tomterm8]

if you go BR do you lose your house even if its in negative equity?

 

Hi fairbank, if you open a new thread, it is more likely someone will be able to answer your questions.

 

While i am not an expert, i suspect if you are not in arrears, and maintain your payments, then (as long as the mortgage is reasonable) you will be able to retain your home.

 

However, i would consider calling up the national debt line and having a chat to their professional advisors.

[Goldlady]

I would agree with Tom. As I faced bankruptcy a year or so ago (before we discovered CAG) we were told that as we had a small amount of equity it would be possible for OH to buy out my share. I would think that if you have negative equity and the house is owned by two people the one not going BR could buy out the other's share for a token amount. But obviously check on this as Tom suggests.

[loopy_lou1]

Thank God I haven't got a house!

 

My best friend offered me my BR fee today. She started to cry and hugged me like there was no tomorrow. I've had chats with all my closest friends this weekend and when you need support you know who your REAL friends are. I am very lucky to have them. I can't wait for this to be over now. My interview is with Royal Mail - I found out today. They do credit checks so I think my chances may be scuppered! I hope not because it sounds like a nice job.

[standingupformyself]

I have the feeling that you probably shouldn't mention to the OR that you have borrowed the money from a friend for the BR fee, on the basis that you are going to pay this money back to your friend. It will be seen as priotising (?) one debt over another. (ie you are still going to pay the debt back to your friend, but not to the other creditor)

But, having said that, I am pleased for you that you have managed to still be able to move forward and go for it, it took courage for you to make the decision to take this, obviously, very big step and I was concerned for you last week that it looked like you may have to back-track.

 

Good luck with the interview, I have no idea whether the credit checks will be relevant but I have everything crossed for you xx

[loopy_lou1]

I wouldn't dream of mentioning that to the OR - I actually didn't intend taking the money from my friend - I just thought it was a sweet gesture and very kind of her to be so compassionate because I've known her all my life. She would actually GIVE it to me because I was bridesmaid at her wedding and we're very close. I'll get the money - it's just a matter of time.

 

I'm very grateful for all the good advice, too.

 

I don't know what I would've done without everyone on here over the past two weeks. You've been my saving grace and I really am very thankful to have you.

 

And thanks for the luck - my interview is at 10am - I'll let you all know how I get on.

 

xxx

[Goldlady]

All the best for tomorrow. Pretend you don't really want the job and you will be much more relaxed;)

[loopy_lou1]

I GOT THE JOB! I start on Monday.

 

YAY!

[shane5408]

congrats hun:D

[loopy_lou1]

I'm going to be working as a Customer Service Advisor for Royal Mail. It's full time and I only work occasional Saturdays and no Sundays. I was in hysterics during my interview. We had a three part one. The first was a written test which I flew through, apparently. The second was a computer and telephone test which I was told I did well at and then an interview. In between the final test and interview we had to sit in and listen to "live" customer service advisors and I laughed my head off. Well, not exactly but I was giggling silently as the advisor tried to not laugh when someone told us a post box had been run over!!! Then we got another caller who wanted us to phone her back because she only had a pound left in credit on her mobile and had the most hilarious voice you've ever heard. Only I would get those calls on my test!!!!!!!!!

 

I got the call earlier to say I had the job and I was pleased. I have done different types of work and this is my first time in a call centre but the more experience you have is always better.

 

From shock and despair to a new job in just two days. Not bad going **pats herself on the back**

 

LOL

 

PS Thanks Shane *****mmmmwwwaaaaaahhh*****

 

(Oh and I barred HFO earlier too - they'll probably use another number but at least that's one down)

[Hippy-chick]

Well done Lou!

 

xx

[shane5408]

well done! Pat on the back indeed!

 

Maybe you'll be able to shed some light for us on why so many 'recorded signed for' letters we send don't seem to turn up!

 

kind regards,

shane

[loopy_lou1]

erm I can direct you to a form to fill in??!!

 

HAHAHAHAHA

[shane5408]

hehe!

 

But you don't start till Monday!!

[empowered]

Been following your story and how strong you now sound! Many congratulations on your new start - keep positive and don't let the b***ers get you down!

[standingupformyself]

brilliant............gawd you have had your fair share of ups and downs this last week or two.............

well done, congratulations xxx

[fermi]

I was wondering how you got on. That's fantastic news.

[tomterm8]

all good news;)

[Goldlady]

Well done you;). The only way is up:D

[fermi]

I GOT THE JOB! I start on Monday.

 

YAY!

 

Hope you got on OK with the new job today.

 

Stick with things. I've been there and done it and they do get better.