bankruptcy application

[oom]

since my account will be frozen can i divert my salary to a friend account? secondly i used to have a car which was bought by my cousin 6 months ago, but i still drive the car ,on the insurance it shows my name. Do i need to declare this or not? the car worth less than a thousand? Thirdly, they requested for a year bank and credit cards statement which i can not produced , will this affect my bankruptcy? My 4th question is , in the form my national insurance was requested for, will this not affect me becuse i have got a permanent job but i do work for different agencies which are not regular. or if i get a second job do i need to declare it in my bankruptcy application? Thanks

[Skippy]

Hi oom and welcome to the forum. I went BR last month, and I know how stressful it is filling the forms out! I will try and answer your questions as best I can.

1/2. You will need to declare the car on the form. There is a section where you have to declare that you have sold the vehicle, and also a section where you state if you have use of a car that doesn't belong to you. You will also need to state the value of the car. Did you sell the car to your cousin for less than market value, and did you know you were going BR when you sold the car?
3. Don't worry about the bank and credit card statements. I didn't have mine, but the OR can apply to the banks and credit card companies for them.
4. You need to give the OR details of your employments and NI number. If you have a second job you will need to declare this.

Good luck!


Onwards and upwards!!!

View my blog at http://skippy13.blogs.iva.co.uk/