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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by sahara[/i] [br]Hi i went BR on 8th oct 2008. I owed £35k. All on credit cards and 1 unsecured loan. £20K was due to ivf treatment. I have just sent off all recipes for the IVF to the OR. That leaves the outstanding £15k which was spent on living as after paying the minimum on the credit cards and the loan we had nothing to live on. I am really worried, what is the worse they can do to me for spending this amount, i have got in a real mess, paying cards off but then having to put money back on them to live, a vicious circle. I have been totally honest with the OR and said i should of gone BR last year instead of trying to manage the debt which got us know where. Also on the BR forms i put my normal wages down as i always get the same every month, apart from sometime i get a bonus perhaps twice a year but its not guaranteed. I think i am getting one this month, what should i do. If i Tell the OR now she will think i was lying about my wages. Shall i tell her if i get one it may £300 after tax. I totally forgot to tell her as like i said nothing is guaranteed i never know if im getting one until its in my wages. Also the judge said the my apply restriction to my case, does this mean a BRO. when will i know if this will apply. I am not sleeping at night cause i am so worried about all of this. please help [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.