If it were all mine I would take you believe me!!!

Ur a saint

He deserves the luck you should know that those 5 numbers plus the bonus ball could not have happened to a nicer guy

Lass xx

Thanks Ida I think I will leave well alone as I thought bankruptcy could be recinded

He said he would take me on a nice holiday with his family Do you think that would be frowned unpon? There would be no money involved just the holiday.

If that would create a problem I would just leave it until I was discharged

I know how this sounds Puts me in a bad light but the offer of help does have his conditions not mine

Luck always to you

Lass

Thanks Ida I was declared Bankrupt in Febuary 2010

The AiB is my trustee I am worried about contacting them to make the offer of composition I don't know what the protocol is

Lass

Hiya everyone Things have changed since the last time I posted on this forum

I eventually took the LILA route to Bankruptcy in Scotland and everything has proceeded well so far I was sequestrated in February of this year.

My brother has had a bit of luck on the National Lottery and sez he would give me enough money to make an offer of composition to my creditors plus any fees to the AiB The offer would be 25p in the £ that I owed

It would be great to be discharged early and have the bankruptcy expunged from my record

Does anyone have an opinion as to whether they think this offer would be accepted and as to how one would go about making such an offer?

Thanx alot

Lass

Will do Blue going to make a list and get in touch with that Debtline Scotland ASAP

I seem to have been frozen with fear last few weeks afraid to answer my phone or my door

Thanks to finding this site I can feel the darkness lift a bit

Trying not to be a drama queen but I really have been worried sick

Have hardly ate or slept for days just worrying

Thanks again all

shine a light

Lass xox

Thanks for that I may get some sleep tonite for the first time in ages I have been so worried

much kudos to you

shine a light

love and peace

Lass x

:)

Thanks Ida I was more worried about how the AiB will view how I managed to get into the second load of debts

Any thoughts??

Will I end up in big trouble for inflating my income on loan applications??

cheerz

That link was most helpful thanx

shine a light

Lass xox

Wow you are all so helpful and supportive

Just when you think you are in the deepest darkest place you have ever been in your life A glimmer of hope

Someone cares enuff to post

Shine a light

Cheerz

Lass

Thanks for that Helenatroy I almost cried when I read your post I had a feeling no person had ever went BR with such a large amount

Thanks again I am trying to keep the faith

ooxx

I won't go into the whole sorry tale Upshot is I had a whole load of debts totalling @ £22,000 which I have been paying for the last 10 years at the rate of £7 per month (Token Payments)

I don't know how but I managed to let my ex talk me into getting another £33,000 pounds worth of debt in the last 15 months

He could not get credit in his own name

Anyways I told some lies re my income in the last lot of debt 2 x loans plus 2 x credit cards plus a massive overdraft (all maxed out) be cause I had him staying with me I thought I could service those debts

Anyway in the last 6 months I have had a serious illness lost my job and my ex is now my ex

I was thinking about taking the low income low assets route to bankcruptcy as I have no income apart from State Benefits and I live in rented accommodation

Could anyone on this site advise me as to how you think the AiB will view my situation vis a vis my older debt and my newer stuff bearing in mind I did lie on the application forms for the new loans

I know this sounds mixed up Any questions??? Any advice greatfully accepted

Please dont judge me till you have walked a mile in my shoes

Lass