| T O P I C R E V I E W |
| amyc |
Posted - 20 December 2009 : 17:20:59
well we recieved our termination letter today so just a case of saving up the funds and booking the date. still extremely worried about being in the overdraft when bakruptcy is finalised. probably the worse time of year to be saving up to go bankrupt. whats the worst that could happen because of being in overdraft when made bankrupt. will they be more leniant if i try and pay a litrle bit of it off up until bankruptcy. we are going to be using co op cashminder account as soon as we change our wages, we will probabaly be in overdraft by about £700 when we go to court, any help greatly appreciated as always xx |
| 15 L A T E S T R E P L I E S (Newest First) |
| Skippy |
Posted - 29 December 2009 : 15:27:50
If you're going to include them in the BR then it's not worth paying them.
I had a pretty good Christmas thanks, although it went far too quickly! I'm sure tomorrow won't go as fast when I'm at work!
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
30 IPA payments made, 6 to go - the end is in sight! |
| amyc |
Posted - 29 December 2009 : 15:24:46
Thank you skippy. Thats a weigt off my mind because I didnt have the money to pay then this month. Should I stop paying for the contract now then. X x hope you had a lovely xmas x |
| Skippy |
Posted - 29 December 2009 : 15:21:56
Yes, you can include phone contracts in the BR. I didn't as I wanted to keep mine, but I know a lot of people do.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
30 IPA payments made, 6 to go - the end is in sight! |
| amyc |
Posted - 29 December 2009 : 15:06:43
I know the feeling. The only day I had off over christmas and new year is xmas day. But then again its double time for 2 days. All goes towards bankruptcy fees pot. I wanted to ask can you include phone contracts in bankruptcy. My partner does not want his contract after we go bankrupt because it costs too much a month. He still has over year left on contract. If he entered it does that mean he has no ties with them and does not have to finish paying contract x x |
| Niobe |
Posted - 28 December 2009 : 20:53:29
Apart from having to work today and Boxing Day, we had a good time.
If you need a rant or support off forum, you know where I am.
The glimmer gets brighter all the time
Jan
xx |
| amyc |
Posted - 28 December 2009 : 20:19:13
Thank you jan. You are always a massive help. I hope you enjoyed christmas. I will continue to post and keep you updated as to whats happening. X x |
| Niobe |
Posted - 28 December 2009 : 20:13:43
Amy, nice to see you and glad you had a good Christmas.
Please don't worry about having used the overdraft. You are able to explain why you needed to do so and you won't be stopped from going bankrupt.
I hope 2010 will be a better year for you and that you continue to let us know how you are getting on.
The glimmer gets brighter all the time
Jan
xx |
| amyc |
Posted - 28 December 2009 : 20:02:18
Hi all. Hope you all had a lovely xmas. Ours was good despite my constant worrying. We are now a £1000 into over draft but wont be using it anymore as new bank account is ready to go. Fees should be saved up by february. Just cant help thinking that the or will look badly on us for using over draft and deny bankruptcy. Like others have said I am happy to pay for the 3 years, so I will make sure I and e is spot on. Absolutely skint and still 3 days to pay day :( :( x |
| Housing |
Posted - 25 December 2009 : 22:17:13
Hi Amy, 
Post at anytime you need to - someone is here to listen or share or give advice
Hope that you had an enjoyable stress free day and Happy New year (soon)
Regards, Richard
"There are no problems - only solutions..." |
| Niobe |
Posted - 25 December 2009 : 22:07:51
I hope you've had a good day today Amy.
The glimmer gets brighter all the time
Jan
xx |
| Skippy |
Posted - 25 December 2009 : 21:31:29
I hope you're managing to enjoy your Christmas Amy, and please don't worry about posting - we're not fed up with you xxx
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
29 IPA payments made, 7 to go - in single figures! |
| leakie |
Posted - 24 December 2009 : 20:03:38
Hi Amy
Don't worry about posting your wories,
a lot of us have been through, what you are going through now,
we had the help of others, through the process
thats how it works on the forum.
if you are not sure just ask,
I know that because of the forum my BR was not as bad as I thought it would be,
I know it is going to be hard, but try to enjoy your
Christmas,
All the best
Leakie |
| Housing |
Posted - 23 December 2009 : 20:20:36
Hi amyc,
I agree - post when you see the need to and share your experiences - it does help!!
Have a great "worry free" Christmas and New Year, Richard xx
"There are no problems - only solutions..." |
| Niobe |
Posted - 23 December 2009 : 20:14:19
You have nothing to worry about Amy.
Don't worry about letting it all out on here either - we are not fed up of you.
The glimmer gets brighter all the time
Jan
xx |
| amyc |
Posted - 23 December 2009 : 20:06:06
Thank you skippy. You must all be getting sick and tired of listening to me rant and rave. I do really appreciate everyones advice. X |
