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Posted: Sat Nov 14, 2009 8:36 pm
by amyc
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
Posted: Sat Nov 14, 2009 8:39 pm
by Shining
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
Posted: Sat Nov 14, 2009 8:49 pm
by amyc
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 .
Posted: Sat Nov 14, 2009 8:50 pm
by kallis3
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.
Posted: Sat Nov 14, 2009 8:54 pm
by amyc
thanks kallis. nice to hear from you. hope you are ok. x
Posted: Sat Nov 14, 2009 9:11 pm
by Shining
I'm fine Amy and hope you are? try not to worry too much as Jan says the OR can sort it out for you. Do keep in touch xx
Posted: Sat Nov 14, 2009 9:20 pm
by kallis3
I am fine Amy, thank you.
I hope you are ok. If you need to contact me off forum for advice, then please do so.
Posted: Sun Nov 15, 2009 7:45 am
by Julie
Hi Amy - we didn't have to provide documentation of creditors, just listed all the details on the statement of affairs.
As for shopping in one shop, you will be able to explain that to the OR so don't worry.
xx
Posted: Sun Nov 15, 2009 8:13 am
by Kazza07
Hi Amy
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.
Hope it all goes well for you.