hi i just have a few questions regarding bankruptcy. I do not have al the documents that you require to have. I do not have 12 months of statments and i do not have any paperwork from creditors anymore. I have a few statments and a list of all creditors and how much we owe. do not want to get there and then get sent home.
Also with regards to OR checking through bank statements we spend most of wages in one shop. its the shop where we work and are 7 days a week between us. we also pay all our bills there via paypoint, also buy our sons nappies there. i am hoping they will think it starnage thats thaere lots of transactions in one particular place. x
Hi Amy, I'm sure if you explain about why you always shop in one place if questionned you'll be fine, it's your choice at the end of the day where you shop.
With respect to the statements, I'm sure Skippy once said she didn't have all documentation rady but don't quote me on that, I'm sure someone will come along shortly to put your mind at rest.
I hope it goes smoothly for you. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
thanks lesley. we are trying to live on mega tight budget in order to save for bankruptcy. probably going to be in OD by about £200 but i cant do anything about it. we have already had to cancel xmas presens this year. hope you are well .
Amy, you can provide your OR with detsils of your creditors and let them sort it out.
Don't worry about this, just get the forms sorted and the rest should follow.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I hope you are ok. If you need to contact me off forum for advice, then please do so.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
We didn't have 12 months worth of everything either, in fact we only had a couple of statements and a few demand letters. We just sent in what we could and so far nobody has complained. Think the OR can get any info they want from the creditors anyway.
