- Thu Jul 25, 2013 11:07 am
I didn't give the Official Receiver any Credit Card Statements.
There is a section on the Bankruptcy forms where you put the name of each person/company you owe money to, and how much you owe them. No statements are required.
For myself, I had a JOINT account with my wife, so I didn't give the Official Receiver any bank statements, as this would have breached my wife's financial privacy.
I presume if the Official Receiver wanted them, then he would have requested them from the bank.
The minute I went bankrupt, I walked out of the Court, and into Barclays Bank and open a basic bank account with them, and my wife switched the joint account to one in her own name.
Just one thing I have picked up with being on this site for years, having friends who have gone bankrupt, and having gone through it myself, and it is this - If the bankruptcy is fairly straight forward(with no suspicious activity ??? ), then the Official Receiver doesn't tend to delve too much into the bankruptcy. He/she as seen it a thousand times and knows how easy it is to "fall down the well," (most bankruptcies do tend to follow a set pattern) .... BUT ... if the OR thinks there is skullduggery afoot, then he/she will dig and investigate thoroughly.
This is just my observations with people (lots of them), who I have had dealings with regarding bankruptcy.
My bank manager once said to me " You live like a king on paupers wages - how come" ? When my debts reached £70k, I knew the answer.