I owe a lot!

[fermi]

Really does sound like you are turning a corner.

 

The emotional side of it is often more difficult than the financial, but it looks as if you are making some great progress there.

 

Let us all know what your local court says.

[Goldlady]

Pleased to hear you are getting on top of things:p. Best of luck with the forms - they aren't complicated but take quite a while.

[Tau]

Hi Lorna

Bet it was great to have a night out, even on a tight budget. Puts a spring back in your step and generally makes you feel better.

Glad to see you enjoying your new job too.

 

That light at the end of the tunnel is now getting a lot brighter, wont be to long and you will have reached it.

 

 

 

Geoff

[loopy_lou1]

Erm...............................

Today was................a bloody nightmare! Whinging all day and I struggled. Saying that now I am home I have perspective and I can put it down to it being my first day. I'm on a complaints line and it's hard not to take some things to heart and I have rather a loud voice for a little thing. I'm only 5ft but I weigh a lot and I do make a lot of noise. My Centre Manager told me to keep my voice down today - which is understandable but it happens wherever I go. I'm loud. I think I'm oversensitive because I am new and I have PMT!!!!!!!!!!!!! LOL

 

All in all it was ok - I didn't lose my rag with anyone and I was pleasant and accurate and it's all I can do. So it's over now and I am going to relax and stuff my face with chocolate.

 

I'm going to ring the County Court tomorrow to get a definite date for the BR and then it's fill in the forms time. I've had to wait until now - finance-wise.

 

I'll survive - I just like a good moan - so TA everyone. I survived my first day!

 

Kisses L x

[Hippy-chick]

Keep it up Lou. Being live on the phones is always tough to start with.

 

xx

[vinegarvera]

Well done Lou! It does get better, I worked on a complaints line for 7 years and you will learn to switch off. Just reiterate the information in a low tone over and over again and at some point tell them you understand how they feel- this calms most irate callers down.

[loopy_lou1]

I have my BR booked for this week. I won't say when because I've told no-one.

It's in the next few days.

As for the pensions - they were frozen ones when I left my employers I think I have two but I don't know how much is in them. I can put down the previous employers but I honestly don't know a lot about them. It just went out of my salary every month. I think it's only a couple of hundred pounds that don't mature for 27 years.

I don't have one now.

 

On my SOF it states who else makes a contribution to the household income. I live with my mum and dad and my father is the sole earner. My mum does Bed and Breakfast in the summer but that's just for her "pocket money" - so he's the sole contributor apart from me with "keep" and "essentials" like car tax and toiletries etc., - do I just put that down?

 

I'm currently in temporary employment and my employer is the agency - should I just put that down? And not the co I am working for?

 

As for my bank account - I have to clear it this week to pay my court fees. I'll only have about £200 left then. And my salary is going to go into my mum's account until I can set up a cashcard account is that ok?

 

I'll send my debit and credit card to the OR when they ask for it - or do I take it with me to court?

 

I haven't told work. I'm going on sick for the day. I don't want everyone to know. If they find out in my local paper - as I do live in a very small community - d'youthink they'd check the dates? It's not really a big deal because it's not my "career" but I don't want to be fired. And I don't know if I should tell the agency or not?

 

Sorry to ask so many questions. I'm running out of time now.

 

Thank you for all your help.

[fermi]

As for the pensions - they were frozen ones when I left my employers I think I have two but I don't know how much is in them. I can put down the previous employers but I honestly don't know a lot about them. It just went out of my salary every month. I think it's only a couple of hundred pounds that don't mature for 27 years.

I don't have one now.

 

Just put down the info you have. The OR can make their own investigations if the decide they are worth looking into.

 

On my SOF it states who else makes a contribution to the household income. I live with my mum and dad and my father is the sole earner. My mum does Bed and Breakfast in the summer but that's just for her "pocket money" - so he's the sole contributor apart from me with "keep" and "essentials" like car tax and toiletries etc., - do I just put that down?

 

Yep. Put down what anyone else contributes to the "shared" household expenses, not their whole income. It's only really on the forms so the OR can see that costs are shared fairly.

 

I'm currently in temporary employment and my employer is the agency - should I just put that down? And not the co I am working for?

 

Yep. The agency will do just fine since it the source of income and tax matters that are of interest to the OR.

 

As for my bank account - I have to clear it this week to pay my court fees. I'll only have about £200 left then. And my salary is going to go into my mum's account until I can set up a cashcard account is that ok?

 

Fine. Lots of people do that. Don't leave any money that you need for living in your own account.

 

I'll send my debit and credit card to the OR when they ask for it - or do I take it with me to court?

 

The OR will normally request those when they write to with a info pack and some extra initial forms to fill in. So you don't need to take them to court.

 

I haven't told work. I'm going on sick for the day. I don't want everyone to know. If they find out in my local paper - as I do live in a very small community - d'youthink they'd check the dates? It's not really a big deal because it's not my "career" but I don't want to be fired. And I don't know if I should tell the agency or not?

 

If you are going to tell the agency you are sick when you are not then I suppose there is always that risk. Although (as I'm sure you've read) the adverts are very small, are a bit random as to which paper they go in, and not many people read them.

 

Good luck for whichever day it is.

[Tau]

Hi Lorna

Dont think the OR will be too bothered about the small pensions, they werent with mine and they were also only a couple of hundred pounds each.Just fill in your ex employers details and the OR will find out about them if need be.

Yep just put the agency down as your emplyer as they pay your wages each month/week.

Regarding your bank account, yep that is ok, many people use someone elses account for the time being. Its ok to clear your exsisting account too, the OR will not have a problem with that.. They know you need cash to live on.

 

All the court does is sign the petition, no need to take anything with you to court.

The OR or the bank will ask for any cheque books or cards to be sent/taken too them at a later date. Make sure that you cut up any cards prior to this.

I would let them know that you need a day of as you have some very important personal business to deal with, you dont have to tell them exactly what unless you want to.

The ad in the paper, if anything like mine was buried right in amongst the ads in the middle, so its doubtful if any one would see it from your local community.

 

On the SOA, I would put that I live with my parents and dad is the sole earner and that you contribute to the household income and you dont know how much dad earns.

[loopy_lou1]

Fermi to the rescue again. Can I send you the biggest hug ever for all your help. I'll PM my date to you ok? You're the only one who'll know. Not even my mother.

 

I don't know how much my mum conrtibutes. She gets "housekeeping" from my father and that's it. She doesn't really contribute because she doesn't work. I should just writ that down then?

 

This pensions thing is worrying me. I have no idea how to find this info. I know one is Tameside for the Manchester Met Uni and the other is Bangor University's pension scheme and I think they have their own. Should I just write that down?

 

I won't tell the agency - they're about 30 miles away and the likelyhood of them finding out about it is minimal. And I don't think the ad goes in straight away does it? Does it state on the advert how much debt you were in or just your name and address? Because if my father was to find out I'd have to deal with it but I don't want him to know for how much. I honestly don't know myself how I got into this much debt?

 

I won't declare anything about cash in hand or bank accounts then because it's not worth declaring. As that will be living costs alone.

 

Thank you Fermi.

[Tau]

The ad will go in the first available edition of the paper, they dont hang about you know;)

All it says in the ad is that so and so was declared BR and if anyone has any cash owing by you , then get in touch with the OR. wont mention how much or who too.

Dont worry about the pensions, a lot of people dont keep this sort of information, I know I didnt:o

Just go with what both Fermi and myself have said regarding the household expenses.

This question is more to do with people living with you rather than you living with your family.

 

Dont worry yourself about it. Many people will have had less info then what you have suplied.

 

Good luck for whenever this week.

 

I'll be there with you wishing you luck, not that you will need it as it is not that daunting really, just seems like it.

It will be all over and done with in the courtroom in about five mins.

 

 

Geoff

xxx

[Tau]

You should declare that you have x amo=unt in cash at the hearing, they wont ask you to give it up, just tell them its for living on until your next pay day. Not a problem.

[fermi]

Fermi to the rescue again. Can I send you the biggest hug ever for all your help. I'll PM my date to you ok? You're the only one who'll know. Not even my mother.

If you like, and you think it will help having someone who knows.

 

I don't know how much my mum conrtibutes. She gets "housekeeping" from my father and that's it. She doesn't really contribute because she doesn't work. I should just writ that down then?

A guesstimate will do fine. Their money wont be touched, and as said it just so the OR can see the overall picture.

 

This pensions thing is worrying me. I have no idea how to find this info. I know one is Tameside for the Manchester Met Uni and the other is Bangor University's pension scheme and I think they have their own. Should I just write that down?

 

Just put down the info you have and the OR will do the rest. Let the OR earn their money.

Most pensions aren't touched nowadays anyway. There is room in the extra info sect (Q13) if you feel you need to explain further than will fit in the pension section.

I won't tell the agency - they're about 30 miles away and the likelyhood of them finding out about it is minimal. And I don't think the ad goes in straight away does it? Does it state on the advert how much debt you were in or just your name and address? Because if my father was to find out I'd have to deal with it but I don't want him to know for how much. I honestly don't know myself how I got into this much debt?

 

No. It will just say name, address (etc), and where and when the order was made. No details of debts are given.

 

Keep posting on here or MSE if anything bothers you in the run-up.

[fermi]

And don't worry too much about the forms. While they should be as accurate as you can reasonably make them, they are just a starting point for the OR.

 

If anything is unclear or needs extra info then that is what the interview is for.

[Hippy-chick]

Good luck lou - I'll be thinking about you.

 

xx

[loopy_lou1]

Thanks Geoff, thank you HC.

I've been at it all day hahaha - getting things ready I mean.

Photocopying and finding stuff.

I'm on an emergency tax code at the moment which should be sorted this week. I can't calculate how much tax and NI I pay. I suppose I could try on google. Done it!!!! Oh I am clever!

 

Right the other thing I can't find is the date of the start of my credit agreements etc., and the reason for my debt?!

 

HELP????????

[fermi]

Right the other thing I can't find is the date of the start of my credit agreements etc., and the reason for my debt?!

 

Approximate dates will do. Especially where debts were built up over time (credit cards etc) a range of dates is just fine. e.g between month/year - month year. The OR is used to seeing a certain amount of vagueness.

 

Reasons can be either be something solid and specific (i.e a loan for a particular purpose), or something less defined like "covering a shortfall in living expenses", and anything in between. Again, if you have to be a bit vague then so be it, and the OR's are more than used to seeing that.

[loopy_lou1]

yep don't even know approximate dates I don't think

but ah well

i think i'm a bit screwed with this form - i really don't know what i'm doing

between the pensions and outgoings for the family - God knows about that stuff

i don't know what the credit was for - for spending???? God - what a load of headache! maybe i need more time.

i can't remember dates of the agreements and they might all be in the last 3-6 years - that will go down well!!! 33k in 4 or 5 years and ABSOLUTELY nothing to show for it!

[loopy_lou1]

sorry Fermi - I'm getting stressed out now and this is annoying because I don't have all those details - I don't know how to fill in the petition and also I don't know what EXACTLY I am suuposed to take to court. I have all the paper evidence but is it just ONE FORM they need now?

I am not too bothered about work to be honest because I can't stay in this job with this salary. it's ridiculously low earnings for the hours and I am used to a couple of hundred more to be honest. I just hope the OR doesn't take that from me.

[Hippy-chick]

Deep breaths Lou!

 

xx

[fermi]

Just fill it in the the best you can. The court's bankruptcy clerk should give it the once over on the day to make sure you haven't made any howlers, and the OR is used to forms that are a bit light on detail in certain areas.

 

The forms were designed back in a time when it was mostly business people going BR, so a lot of the questions are focused somewhat in that direction. So if something doesn't seem relevant to you that is more than likely the reason. Large sections of mine were left blank since they simply weren't relevant to my circumstances.

[fermi]

sorry Fermi - I'm getting stressed out now and this is annoying because I don't have all those details - I don't know how to fill in the petition and also I don't know what EXACTLY I am suuposed to take to court. I have all the paper evidence but is it just ONE FORM they need now?

 

It's two forms. 6.27 (Debtors Petition - two sides A4), and 6.28 (the long statement of affairs).

 

6.27 is pretty incomprehensible if you are not a lawyer, and the BR clerk will check that over to make sure it's right. Some clerks will even help you fill the whole thing in.

 

As a rough guide for 6.27.

 

(From a previous post of mine)

 

If you are downloading and filling in 6.27 (the two page petition) then.....

 

Most bankruptcy clerks will help you fill in the bits of 6.27 that you can't figure out on the day.

 

But for a simple case with no business involved.

 

Initial section:

 

Fill in name/address in part (a)

 

Any previous name in (b)

 

Any previous address debts incurred at in ©

 

Put a line through (d) & (e)

 

In part 1:

 

Put a line through:

 

"[My centre of main interests has been][i have had an establishment] at"

 

and

 

"I carry on business as an insurance undertaking; a credit institution; investment undertaking providing services involving the holding of funds or securities for third parties; or a collective investment undertaking as referred to in Article 1.2 of the EC Regulation."

 

and

 

''My centre of main interests is not within a Member State''

 

In part 2:

 

Put a line through:

 

''[carried on business at]'' and fill in your residential address.

 

Put a line through:

 

''[(g) county court]. I am presenting my petition to this court, as it is the nearest full-time county court to (g) county court, for the following reasons:''

 

In part 3:

 

Nothing to do.

 

In part 4:

 

Put a line through the following parts:

 

''I was adjudged bankrupt on (j) in the (k) Court No. (l)''

 

''On (j) I (f) [made a composition] [entered into a scheme of arrangement] with my creditors.''

 

''On (j) I entered into a voluntary arrangement''

 

''On (j) an administration order was made against me in the (l) county court.''

 

In part 5:

 

Sign and date on the day.

 

The clerk and judge were happy with mine complete that way.

 

Hope that helps.

[fermi]

I am not too bothered about work to be honest because I can't stay in this job with this salary. it's ridiculously low earnings for the hours and I am used to a couple of hundred more to be honest. I just hope the OR doesn't take that from me.

 

Even if the OR decides you have a surplus of £100 per month or more, then they can only take 50-70% of the surplus under an IPA. And your surplus really would need to be BIG for it to be at the 70% end.

 

While it would obviously be nice not to have an IPA, if you do get one then it means you are probably bringing in some decent money and the portion of the surplus you are left with will not be insignificant.

 

As I said, try not to stress (difficult I know), and fill in the forms as best you can. Any specific issues, then post back either here or elsewhere.

 

By the weekend you will be able to look forward to a Christmas and new year where your stress levels and worries will be massively reduced.

[loopy_lou1]

Thank you so much. The 6.27 is basically filled in. I do have one outstanding bill from my previous address. That's an electric bill - I'll put that in, too. Just to safeguard myself. I put that address in section © on the 6.27? Sorry to be a nuisance.

 

I've got all my pension details but I have no idea how to work them out so I've photocopied the agreements - can i just put them in with my SAF?

 

Thank you and sorry to be a pain.

[harvest]

Hi loopy lou - I've followed your thread for a while. Just wanted to say - keep your chin up - you're doing absolutely fine with how you're approaching things. AS others posters have said - next year will be a shed load less stressful for you once everything is sorted.