I owe a lot!

[Goldlady]

Lou. I helped my friend's mum do the big B a few weeks ago and it was tough. She had been brought up in poverty, raised her four kids in not much better circumstances and then all of a sudden all these credit card people gave her massive credit limits. She had a couple of holidays herself but basically spent most of the money on her kids and grandchildren because it made her feel good after years of struggling. She had to go to court by herself but the judge was really nice, apart from making her feel like a naughty schoolgirl at the age of 65:p

 

You will be fine - as I have said many times these lenders are as much to blame as we are. You have done nothing wrong.

[loopy_lou1]

You see I thought or think I am the only person IN THE WORLD who's done this because of overspending! Obviously not.

I am a naughty girl and I deserve to be treated as so!

 

It's not meant to be easy but once that day is over and my Big B! is in the past I can live and breathe again. My mother's even talking about me going abroad to work. Cheers mum - trying to get rid of me. But to be honest - there would be nothing I would like more. Money's stopped me up to now.

 

One thing at a time eh?

 

LX

[shane5408]

I am a naughty girl and I deserve to be treated as so!

 

 

LX

 

Now that get's my attention!! lol

[loopy_lou1]

SHANE!!!!!!!!!!!

 

Ooops I suppose that did sound a bit kinky!!

 

HAHAHA

[Tau]

Now that get's my attention!! lol

 

Certainly got mine mate :)

 

There you go Now Lorna, nowt to be afraid of. Bet you didnt realise you had so many friends did you.

 

 

 

 

 

Geoff

[Tau]

Hey Kinky.

 

You have a PM :lol:

[Goldlady]

looking at tau's avatar I would be a little concerned about your new friends:D

[loopy_lou1]

hahahaha - Geoff! Thanks for the PM darling - I just read it - yeah financial advisor??? Like Dracula and a bloodbank! LOL

 

Oh I am GL - treading lightly! tee-hee!

 

You have all made me cry! Happy cry! Thanks for being so supportive and hilarious

 

Love Kinky Lou x;)

[loopy_lou1]

Well back to business! I just read up about BRO's and I am SHOCKED to the core

 

Some people are MUCH worse than me! And I am just gobsmacked

 

BRO Details

[Tau]

looking at tau's avatar I would be a little concerned about your new friends:D

 

Just getting some practise in before Crimbo GL

[Goldlady]

Read that list Lou. Gambling has to be the total pits really. I have a client who gets £100 out when things are getting tough, loses it, then gets another £100, then another. It is quite scary looking at his bank statements - occasionally he wins a bit and puts it back, but that has to be the worst way of wasting money, whether it's your own or other people's. At least you have something to show for retail therapy!

[loopy_lou1]

Isn't it sad? Gambling is an addiction like drugs or alcohol but it's temptation and weakness that starts it.

 

Nasty business - I did have a car and a holiday from my stuff but I wasn't in serious debt then. It just escalated.

 

Damn it!

 

Ah well - what's done is done.

 

Road to recovery now, hopefully.

[Binker]

My dad is nearly 60, very old school, works like a dog and his bark is worse than his bite but as you can understand I don't want to disappoint him. I already have by putting on weight and being penniless - this would be the last straw!

 

Hello,

 

Ive been reading your thread and felt really sad when I read this one. I'm sure you have not disappointed your dad by putting on weight or even being penniless. These things happen especially in todays world.

 

I truly wish you all the best for the future and hope you get your life back on track very soon.

 

Good luck

 

Binker

[loopy_lou1]

I can't get on MSE to ask about BR so I am sorry I keep coming back here with questions!

 

 

Thank you Binker. I'm getting a lot of advice and support here.

 

I was wondering about my mobile contract now. I did read you can have one and I have an existing contract. My monthly fee is about £35 and my internet is £23 - I hope I'll still be able to have both because I use the internet for work etc., and I don't want to leave O2 because it'll be virually impossible to get a contract after BR - I'll have to put it on my monthly budget sheet. I'm going to find all of this hard because I can't really remember where my debt started.

 

It asks the question on the Insolvency - when did you realise your debt was a problem? I don't know. I suppose when I started to get nuisance phonecalls and realise that something needed to be done. Last year probably. And I haven't taken further credit since then. I was on top of it for a while because I was in regular employment - well a contract and I was doing ok.

 

The Statement of Affairs looked huge and daunting when I first saw it but I've realised looking through it that a lot of it doesn't apply to me.

 

As for the Court Fees - oh this is going to be fun because almost two thirds of my monthly wage will go on it and it's just before Christmas.

 

I know I can't afford it until after the 23rd November - I don't think that it's something that happens overnight, though.

 

It's the budget sheet I'm concerned about because I don't own my car but I do pay the insurance and tax on it - I think I can still write that on the sheet. And of course fuel and maintenance.

 

SO MUCH STUFF TO THINK OF.

 

I'm off Wednesday and Thursday so that's when I'll start to fill the forms in. I've just been reading up to now.

I was also sent an activation key but it was sent to my junk mailbox and it's automatically deleted on the insolvency website. I think you can email and ask them for another.

[loopy_lou1]

Hiya everyone

 

I've been to MSE and they've been lovely with me. I've even found a couple of people in the same situation as me.

 

I've spent this afternoon looking through statements and letters and I am getting organised - everything's in a folder - seperated and I even found my IVA proposals which will help me in my BR case and with my Income and Expenditure proposals.

 

So glad I came here - you're all amazing

 

Love Lorna aka Kinky! HAHAHAHA x

[missmoneypenny1]

I am so glad you are now sorting things out and you have found light at the end of the tunnel, I have been reading this thread and I am sure in time when all this is sorted you can tell your dad and he will be proud that you did something about it and faced up to things.

 

Good luck and heres to a debt free future !!!

[standingupformyself]

Personally speaking... once you get the forms from the court, it takes some time to fill them all in and get everything in black and white... It was quite hard seeing it in black and white, but it really made us face up to it and realise what we were up against and it was then we realised that we were doing the right, and only thing...

I spent a whole weekend just writing the forms out (AS I have said before, it was my hubby that had the nasty debts in his name, but I always considered that we got into this mess together and were jointly responsible) but by the time they were done and the court appointment was made, things got so much easier...

I asked the court what we should say to any creditor that phoned up, they said it was up to us, but it was perfectly acceptable to say to them that we had a bankruptsy appointment at so-and-so court, on so-and-so date.... which we did.

Just knowing the court date was looming was of course scarey, but also it was a feeling of relief..

As I said to you in an earlier post, things will feel better and get easier for you as soon as the appointment is set.

 

I am so glad we have been able to help you...keep in touch.

 

xx

[loopy_lou1]

Ok so I've got my activation key resent to me and I've checked the forms etc.,

 

There's no point in doing them online, really. You still have to print three copies so I'm going to do mine by hand.

 

I phoned the Insolvency helpline who were lovely yesterday and I asked if I needed assistance with the forms should I phone them. They told me to fill in as much as I could and then if I needed help I could give them a ring.

As for the Citizen's Advice Bureau. Talk about cr@p! The woman told me the first available appointment to see a money adviser was in two and a half weeks - no help to me at all. I told the person at the end of the phone I wanted to go bankrupt and she said "Oh I am sure there's other ways" - erm, No. I'm probably more clued up than she is about this stuff now. To think two weeks ago I was in tears and knew absolutely nothing.

I got another pleasant call from our friends at HFO - yes, they're still at it. This time my dad answered the phone. He was asking who my father was and where I was?!!!! I took the phone from my dad and said that they were breaking the law asking any questions about me!! I've since spoken to our phone company and they have a great system. For £3.50 you can block up to 10 last caller numbers and for a further £4.00 you can block all witheld numbers. I will only need this service for a month so it'll be worth it not to hear the voice of ALAN WILLIAMS OF HFO SERVICES with his stupid accent and smarmy voice patronising and terrorising for a month - or his lovely colleague - "Emily"

 

I am kind of looking forward to going BR - scared but I at least know that the "bleeps" at that company will get SWEET FA - or pennies, anyway!

 

I can apparently keep my mobile. It's up to my OR but at least I know I have something left - even if it is as small as a phone.

 

About 2-3 weeks to go and then it's the long road to credit repair

 

ARRRGGGHHH

[loopy_lou1]

Things just seem to get worse and worse in my life.

 

I've just lost my job. I was temping for an agency and they've phoned and said they don't want me back next week.

 

And now I can't even afford my BR! I was relying on this months wages to do it.

 

I feel sick!

[Goldlady]

Oh heck!! Well hopefully the agency will find you something else.. Where are you based and what do you do - you never know someone on here might be able to help you get another job;). There is the option of forcing the baddies to make you bankrupt which will save you the money. I know you can get exemption from some of the costs, but not all. Hopefully someone else will come up with some suggestions, but if you are now unemployed there is 'beggar all' the creditors can do about it and you can truthfully tell them that. You want all interest frozen and offer them a token payment of £1 a MONTH.

 

Don't panic - every cloud has its silver lining;)

[Hippy-chick]

Oh Lou

 

Poor you.

 

Big hug.

 

HC

[robcag]

Things just seem to get worse and worse in my life.

 

I've just lost my job. I was temping for an agency and they've phoned and said they don't want me back next week.

 

And now I can't even afford my BR! I was relying on this months wages to do it.

 

I feel sick!

Sorry to hear about your latest mis-fortune .

 

Is it worth re-considering Plan A (CCA requests) for the moment? That may well buy you some time and the results may be better than you thought.

 

Rob

[loopy_lou1]

OK well. I phoned another agency as soon as the one I am or WAS working for.

I'm registering with them on Monday. Then they're putting me forward for an interview on Tuesday. I will still claim Income Support for this week as I don't want to be without money AT ALL.

 

Also, I just phoned BT and they have a system called "Choose to Refuse" to bar callers. The first month is FREE and after that it's £3 per month. You can bar all last callers and selected numbers and it even bars witheld numbers.

 

So hopefully, I can have a break from HFO and a new job.

 

The job I was doing was only 30 hours per week and to be honest it was crap - I was only doing it for the money. We were plonked on reception for 6 hour shifts with NO BREAK and just left to it. I was on the internet more than I was working. I asked and asked and asked for stuff to do but they didn't give me any. Their loss. Hopefully, I'll get this new one, like it more and get more money to boot. It's temping again but it's a 3 month contract so at least I know I would be ok for that long if I don't mess this one up, too. I really don't know why they got rid of me. I did try and I was attentive and keen but we got no feedback or anything.

 

Anyway, it's done now - there's no point going over and over it.

 

Thank you everyone for all the support.

[sequenci]

Things just seem to get worse and worse in my life.

 

I've just lost my job. I was temping for an agency and they've phoned and said they don't want me back next week.

 

And now I can't even afford my BR! I was relying on this months wages to do it.

 

I feel sick!

 

Try these guys: 01707 651 777 (The Association of Charity Officers)

 

They try and help find funding for people, I must stress that they are not always able to but it's worth a shot.

[Fuzzgin]

Been reading your thread Lorna and want to wish you all the luck in the world. You're very brave and I think you've made some very brave decisions. I hope the work situation works out too. *fingers crossed*