I owe a lot!

[fermi]

Yep. The electric bill goes in. And yes, the previous address goes in part ©.

 

You can attach the copies of the pension agreements if you want, or you can add a note in the extra info section saying that you will provide them to the OR if requested/needed.

 

Don't worry, you're not being a pain. I can remember sitting and staring at those forms thinking "What the ****? :eek:".

[loopy_lou1]

Oh thank you again. I know a lot of people are reading my story and thinking what a dumb blonde this one is?!

 

I have filled it in. Once again - I don't know the creditor dealing with my current account outstanding from HSBC. I'll just put them down. As for the others - I'll put the original creditors name and the debt collection address as requested if that's right? I have filled in most of this by the way. I'm just checking. I still have a couple of days but I want to do most of it and just go over it finally the day before.

 

How funny is this? I was ringing the court for my date and I was ringing the WRONG ONE. I didn't even know there was a County Court where I am having my hearing - LOL.

 

Anyway, I hope the OR phones me on the day because I can't take too much time off work or it'll be suss. Especially as I am temping. Mind you - I have a good relationship with my colleagues and team leader - I don't think they'll think I'm swinging the lead which I am not. I just want to be debt-free. Oooooh debt free?! That sounds amazing. I know BR is not easy but I have a CR that is shot to hell anyway. So credit is something I wouldn't want again.

[Hippy-chick]

Lou

 

I can assure you I'm not thinking dumb blonde when I read your posts.

 

Feisty lady - that's what see.

 

[fermi]

Oh thank you again. I know a lot of people are reading my story and thinking what a dumb blonde this one is?!

 

The forms are a nightmare and give us all "dumb blond" moments (or make it feel that way). But believe me you're not.

 

I have filled it in. Once again - I don't know the creditor dealing with my current account outstanding from HSBC. I'll just put them down. As for the others - I'll put the original creditors name and the debt collection address as requested if that's right? I have filled in most of this by the way. I'm just checking. I still have a couple of days but I want to do most of it and just go over it finally the day before.

 

All sounds OK. You really wouldn't believe how badly filled in some of the forms the courts and OR get are.

 

How funny is this? I was ringing the court for my date and I was ringing the WRONG ONE. I didn't even know there was a County Court where I am having my hearing - LOL.

 

My local one doesn't look like it should be a court from the outside at all. I had to go and look up where it was on a map, but even then I couldn't mentally "place" the building until I did a dummy run getting there. When I saw it my first reaction was "THAT's the court????":?

 

Anyway, I hope the OR phones me on the day because I can't take too much time off work or it'll be suss. Especially as I am temping.

 

Depends on the OR/court near you, but one of the most common arrangements is for you to speak with the OR for about 5 mins on the phone from the court on the day to deal with anything urgent.

The OR will then contact you after a few days to arrange a time/date for an interview if you are going to have one (you normally will). They are normally very very flexible about when to do the interview, since they are aware that people work and that there can be privacy issues.

 

I just want to be debt-free. Oooooh debt free?! That sounds amazing. I know BR is not easy but I have a CR that is shot to hell anyway. So credit is something I wouldn't want again.

 

It's a very odd feeling, And it can be difficult to manage without day to day credit, but you learn to adapt. Odd really, but being able to open the post or answer the phone without fear was one of the things that made the biggest impression for me. I didn't realise quite how anxious I'd become until that was lifted.

[fermi]

Lou

 

I can assure you I'm not thinking dumb blonde when I read your posts.

 

Feisty lady - that's what see.

 

 

Yep. I think that's the impression everyone will be getting.

 

You're doing a fab job dealing with this, and it's likely that people who read through this thread will gain some courage that it's possible to cope with anything.

[Brassed off]

Yep Lou - "quietly subbing" - as I'm sure quite a few peeps are - you are definitely impressive and I have every admiration for you:D

 

And er, nope, you are not a dumb blonde - there's no such thing:eek:

 

Bo:)

[loopy_lou1]

I am still struggling with this section. I've put "consolidation" for a couple "living expenses" for a couple of others but I don't even know approximate dates. I have a day to do this! I am scared now. Should I just make stuff up?

 

I don't know how I spent the money. I just overspent.

 

7 credit cards, 2 loans and a store card

 

Apart from the pensions section it's the last thing I have to fill in. I don't know household income because my dad pays all the bills.

 

I will just have to leave blank what I don't know.

 

I am feeling really light headed and sick.

[fermi]

As others have said, putting something like "built up over time", "over the past X years", "general living expenses", "juggling/consolidating credit" should be fine.

 

You're not a business whose accounts need to be audited, but an ordinary consumer who has made mistakes and got themselves into a difficult situation.

 

The OR who will have to read the forms is a human being as well, and will recognise all this. It can be hard to see it like that when you are sitting staring at the forms, but they don't expect you to have been perfect.

 

EDIT: For consumer debts, "fuzzy" answers are often expected and accepted.

 

You're doing well, but until it's done and dusted most people emotions are all over the place.

 

(duplicate post elsewhere)

[Goldlady]

When I helped my friend's Mum fill hers in we said that she had always lived on the breadline and suddenly all these people gave her credit which she had never had in her life. (this was the truth) So she had spent money on holidays (two or three a year) and bought presents for her children and grandchildren. As fermi says it is really not important what you have spent it on - as long as it wasn't gambling:eek:. Clothes, partying, stuff like that - the OR is not going to repossess your wardrobe.

 

When my friend's Mum went before the judge she was scared stiff but he was really nice and she said afterwards he made her feel a bit like a naughty schoolgirl - at the age of 65!! But you have to remember that there are thousands of people going BR these days and that the lenders are just as much to blame for throwing credit at people.

[fermi]

If it's any consolation I was an utter gibbering wreck in the few days before my BR hearing. I had all the anxieties and fears that you have and then some, but I came thought it.

 

I've now helped dozens (probably hundreds) through the same process and 99% have been the same.

 

BR is not easy (and in all honesty it shouldn't be), but for those who need it it does offer the genuine chance of a fresh start.

[loopy_lou1]

Fermi - you've been my rock all the way through this. I can't thank you enough for all your help. I could send you a big kiss, though?

I don't know what I would have done without everyone here and on MSE. To name a few, GL, Geoff, Shane, Tomterm, WDIAG - so many of you have helped me for no gain for yourselves and I am so grateful.

I could not have got through it without all of your support and advice.

 

I am going to complete the forms now and get them ready tonight and not think about them until BR day.

 

I might divulge that tomorrow. I feel a bit of a wreck tonight. I am being silly but I think Wales is different to everywhere else - which it probably isn't but I suppose BR isn't something you shout about and I am sure there are many

 

Thank you

 

I'll be back with more questions in a bit I'm sure.

 

Oh I cocked up one question can I just put a line through it. Well it was my unsecured creditors list - i put the wrong address on one - neatly crossed it out and added it at the end is that ok?

 

Cheers all of you x

[fermi]

I know a couple of people from Wales who have gone BR (and probably more who didn't mention on forums where they were from) and it's no different than anywhere else in the UK is compared to anywhere else.

 

Communities vary, but people get up a financial "creek without a paddle" everywhere. It's funny bust most people probably know several people who have gone BR and you're not even aware of it.

 

Crossing out bits on the forms is fine. Point out to the clerk on the day that you have done it, and sometimes they will ask you to sign/initial next to it to confirm that it was something that you had done.

 

Yep. Keep asking questions here and on MSE. Everyone is more than happy to help you out.

[fermi]

And now on MSE there's another person from a small village in Wales.

 

I had no idea they were from there, but it goes to show that you are never as alone as you think.

[loopy_lou1]

yep and he doesn't live that far away. It's nice to know you're not alone and I hope when I am BR and "IF" it goes ok I can share my story and help other people like you have.

 

I am so tired and wired and I still haven't finished the forms. Fermi about the EX160 - you know anything about that? I have one filled in. Should I take it along just in case? Or clain back afterwards because I am temping and I don't earn more than the excpected pay range.

 

Also thanks for the help with the beginning of 6.27 - I don't know how to fill in the beginning of 6.28 it's double dutch! I have completed the rest to my best ability.

[fermi]

Yes. Take the ex160 with you and ask the court staff. If they can at all wangle it so that that they can exempt you, then they normally will.

 

I think most of the staff think it's a "bit of a cheek" that you have to pay such large fees to go BR. (as do I......).

 

The frontsheet of 6.28 doesn't need much.

 

Just fill in at the top where it says "RE: ___________" with your full name.

 

In the AFFIDAVIT section just fill in I (a) "Full name again", (b) "occupation" and © "address".

 

Everything else on 6.28 is for you and the clerk to fill in, swear, and sign on the actual day.

[loopy_lou1]

Fermi

 

I Love You

[fermi]

Now I'm embarrassed.

 

Having been up to the eyebrows myself in the brown stuff I'm glad to help.

[loopy_lou1]

Don't be embarrassed you have been awesome.

I am so glad you've helped me. No "you're a pain in the a**e" - or "Oh God it's her again" - you've just been helpful.

 

I'm taking you in my pocket to court and I will think of what you've said and I will come straight to here and MSE and tell all of you about it.

 

I think it's all done bar the shouting now. I am just putting a date range on the creditors list.

 

1996-2007 and vary those dates. I can't see why that would be a problem. As for the pension I don't understand it and it can't be claimed so I am just attaching the evidence to the SAF.

 

You've all been brilliant.

 

I want to tweak the form and then I can go to sleep. Copy everything in the morning and then..........................................

 

I'll be a statistic - very soon x x x x

[fermi]

Yep. You can try and relax a bit now. I know that's very hard, but if you can try and get a good nights sleep then that works wonders.

 

I think everyone goes to court worrying about the forms, but believe me yours will be a lot better prepared than many they see.

 

I/we will certainly be thinking about you on the day.

 

You know where we all are if you need anything else.

[loopy_lou1]

So it's tomorrow.

 

I couldn't say before now because I didn't want the hassle. Now I've announced it here and at MSE it's real.

 

Forms are done as far as I can do them. I am as organised as I can be and that's that.

 

THANK YOU ALL SO MUCH - I COULD NOT HAVE COPED WITHOUT ALL OF YOU. YOU'RE ALL PRECIOUS. THANKS A LOT.

 

LOVE LOOPY X

[fermi]

Glad I caught this before I went off for the night.:o

 

All the luck in the world for tomorrow (Wednesday ) :)

 

We will all be thinking of you and sending you good thoughts. We are all behind you, and I'm sure that includes lots of people from CAG and MSE that haven't even posted on your threads.

 

Let us know how you get on.

[fermi]

Took a few seconds to realise you meant Wednesday. Doh! Thought you had been sneaky for a minute.

[Hippy-chick]

Good luck lou.

 

xxxx

[loopy_lou1]

DUPLICATE POST FROM MSE

 

I think I have streaks of bad luck. At 9.00 this morning I went to get a printer cartridge to print off the copies for tomorrow. I forgot to put my seatbelt on and I didn't see the police car until it was next to me. I messed around with my shoulder and I went to the stationers and through the window I saw the police car. He'd turned round and I knew he'd seen me. He came into the shop and said "Can I have a word with you?" - I'd told the shopkeeper he'd seen me.

Anyway, off I went outside and denied that I wasn't wearing a seatbelt but he knew I wasn't so I didn't argue because that had made him angry and he asked me to go and sit with him in the police car. About 6 weeks ago I had a crash and I haven't had my headlight repaired and some jagged glass is on the actual light. He issued me with a warning, told me the car shouldn't be on the road and gave me 14 days to get it fixed. I told him I was going BR tomorrow and he said "Seeing as sh*tty things are going on in your life right now I won't give you points or a fine but next time this will cost you money and if I see you with the car there will be trouble" I was then breathalised. How AWFUL and all before 9.30am. I was only going to get my cartridge. He was nice, considering. Saying that it's typical to happen this week. I've arranged to have my car fixed tomorrow, too. On top of that when I went to clear my bank account to pay my BR fees the bank refused to dispense my money. I had put too great an amount in and I did eventually get most of it out. Just another £20 in the morning and I will have £2.62 left in that account.

 

I've come home from work sick because to be honest I can't concentrate and I can feel myself being irate and I work in customer service and it's not fair to the people on the phone because they don't know my problems.

 

I just want this week to be over.

 

It's 19hrs and 16mins and then it's time.

 

I hope I'm not sick or cry when I get there.

[Lula]

Good luck Loopy, get a good nights sleep, relax and take it easy tomorrow, we will be thinking of you Tomorrow you will feel so much better - trust me on this, you have alot of support here at CAG and you are not alone.

 

all the very best