Should I go bankrupt?

[PlanB]

Re: Should I go bankrupt?

Yes I am getting there, just I want it to happen NOW, not tomorrow, next week or next month but NOW

It looks like you're finally going to get your wish after all this time What a year you've had eh?

http://forums.all-about-debt.co.uk/s...56&postcount=3

[PlanB]

Re: Should I go bankrupt?

I can do nothing until I get a death certificate. I have frozen her RBS account and will do the same with the credit cards etc, but other debts I have no idea until the bank release details of her DD's and S/O's to me.

I have just gone through her handbag and found her wedding and engagement ring

How nice to know that she still treasured those even though you were seperated a while ago. You've carried on looking after her affairs ever since because she was poorly and so tidying up her finances now would be what she would have wanted. You're a top bloke Jon.

[jon1965]

Re: Should I go bankrupt?

I can do nothing until I get a death certificate. I have frozen her RBS account and will do the same with the credit cards etc, but other debts I have no idea until the bank release details of her DD's and S/O's to me.

I have just gone through her handbag and found her wedding and engagement ring

[PlanB]

Re: Should I go bankrupt?

Take your time. And if you're in charge of sorting out your wife's finances I'm sure we'll be able to help with that too because you musn't let banks upset you with their cold hearted attitude to closing accounts of the deceased. They should have a dedicated department for taking care of these things.

No rush for any of this

[jon1965]

Re: Should I go bankrupt?

Thank you, they are all going to be ignored for now.
What will be will be

[PlanB]

Re: Should I go bankrupt?

FP has a good point. Stick with UE for now because probate usually takes at least six months to sort and then you'll have a clearer picture of your overall finances. Let's hope Rizzle's magnificent letter has been ignored by the DCAs on this occasion

[jon1965]

Re: Should I go bankrupt?

Thanks Phil

I have two more that I just can't face today.
I think a lot will depend on what happens on 16th, if I get a quick date to go back I will have to cough up the cash, if it's several months away then I can wait.
Just a bugger waiting, nice to get something done though and believe it or not i am relaxing about the debts, I just like to have the last word..although ultimately i will have the last word

[philnicandamy]

Re: Should I go bankrupt?

superb news jon....forms are pretty straightforward but if you need a hand shout

[jon1965]

Re: Should I go bankrupt?

Oh joy indeed

Would that be the same Charis I told you about earlier

Yes it would indeed. I will rename your clever clogs ..oops can't as we have on. How does smarty pants grab you?

[PlanB]

Re: Should I go bankrupt?

Here's another one you could call which manages grant applications for a number of energy companies up and down the country:

http://www.charisgrants.com/clients.html

What a lot of people don't know is that there is money available to pay BR fees.

Oh joy indeed

Would that be the same Charis I told you about earlier

[jon1965]

Re: Should I go bankrupt?

Well Charis have my BG application with a 6 week ish turn around so that is good. Off to fill in forms now oh joy

[philnicandamy]

Re: Should I go bankrupt?

I like proactive!

stop stressing and it'll all be sorted

[jon1965]

Re: Should I go bankrupt?

Thank you all.
PlanB DAWN is the name of the company , I think I will call them again today and just talk it through with them, then get the forms filled in and sent off . I will also call charis to see if anything has become of my british Gas application

Now that's me being proactive and getting things moving.

[philnicandamy]

Re: Should I go bankrupt?

and once you are finally bankrupt I wouldnt waste the time effort or energy telling creditors about it

the official receiver has up to 8wks to inform ALL creditors so leave it to them..meanwhile if a creditor does ring & try it on just tell them your now bankrupt and contact the receivers office dealing with your case!

[philnicandamy]

Re: Should I go bankrupt?

from past experiance I did a similar thing....a couple of creditors backed off although most increased the hassle once they knew