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abd
Junior Member
284 Posts |
 Posted - 27 May 2008 : 22:56:55
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In the SOA form there is a section about how much money you have lost in betting and gambling during the last 2 YEARS,my honest answer is non.But 2 years back I did gamble using my bank card for money withdrawal in casinos( can be found in my 2 years old bank statements).Should I put gambling in the section of causes of debt ,even if this was 2 years ago.I do not want to get my self in trouble, but at the same time will not like to look as if Iam not telling the truth and being dishonest about my past behaviour regarding spending.I would appreciate an honest advice.It took me a great deal of courage to put forward this question,I feel awful about it ,even before meeting the OR.
kind regards, Abd |
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henrytc
Junior Member
United Kingdom
194 Posts |
Posted - 27 May 2008 : 23:02:29
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I'm not a expert but I think you have answered yourself, you have said your honest answer is non.
don't beat yourself up.
Tracey x |
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indy2005
Junior Member
458 Posts |
Posted - 28 May 2008 : 00:20:23
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Hi,
All my debts are due to gambling. I went into court 2 years 2 days after my last bet so I could answer the 2 year question honestly. My reason for debts was gambling, but my reason for BR on my SOA was that the creditors had refused to freeze interest and charges and so my debt managment plan was failing. The judge didnt question either of these, but he did say "it says here all your bets are due to gambling, but you say you havent gambled in two years"....I told him "2 years, 2 days"...he rubber stamped me. |
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indy2005
Junior Member
458 Posts |
Posted - 28 May 2008 : 00:22:42
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...by the way, every question made me feel this way. Most people in debt have a few skeletons in the closet. But when we put them in the closet, we never expected them to be taken out and put on display.
The advice I hear again and again is just to be honest. We all make mistakes and this is a chance to put your hands in the air and admit it.
I have to explain gambling, a 10K lottery win which got spent, and a house transfer to my house in March... |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 28 May 2008 : 09:07:48
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Hi abd,
You have answered honestly in saying you have not gambled in the last two years.
How much of your total debt was in relation to gambling?
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
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abd
Junior Member
284 Posts |
Posted - 28 May 2008 : 12:47:39
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HI
I would say more than 50% of the current debt,If I want to be honest and take my skeletons out of the closet(as Andy2005 nicely expressed) gambling has played a sifnificant role in my financial problems 2 years ago.
Abd |
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abd
Junior Member
284 Posts |
Posted - 28 May 2008 : 12:50:41
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by the way in 2 hours time I will submit my form online and print it off.Any advice till then is gold
even harsh criticism is accepted-skeletons are out .
greetings to everybody in the forum |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 28 May 2008 : 13:09:18
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Hi abd,
The good news is that the OR (like everyone else these days) does recognise that gambling is an illness. As a result, the worst case scenario is a BRO with a request to attend gamblers anonymous.
Regards
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
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abd
Junior Member
284 Posts |
Posted - 28 May 2008 : 14:18:35
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Hi Julian
Thanks for the reassurance,and to you also Andy2005
Though iam done with gambling for more than 2 years
the OR request is a command.You know how itis when your are at the bottom and you have to choose between the rock and a hard place.
will keep you informed.
Abd |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 28 May 2008 : 14:52:30
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Best of luck - I'm sure you'll be fine!
Regards
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
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indy2005
Junior Member
458 Posts |
Posted - 28 May 2008 : 15:02:25
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Hi,
I attended GA but found it only introduced me to people with more devious stories than myself such as people who remortgaged their house and faked their wifes signatures, and others who had stolen equipment from a special needs school.
It didnt help me to go there. I quit by (1) letting my wife take control of all the money (2) getting financial pressures under control with a Debt Management Plan with PayPlan (3) support of family. I hope it goes well for you, like me you havent gambled for 2 years and that should stand for something. Its not like you gambled in Wed and went BR on Thursday or even had a last fling knowing you were insolvent.
I had every intention of paying the money back and have been for nearly two years. I am not going BR due to gambling, but due to lack of cooperation from creditors to freeze interest.
I was definitely ill at the time when I think of the things I was doing. Quite ridiculous when Ilook back (i remember emptying the contents of a shredder to piece together a Sainsburys credit card my wife had shredded....I managed it and managed to lose 11K in the next 2 hours).
My doctor put me forward for cognotive behaviour therapy and put me on valium.
BR is for me now a way to draw a big black line under it all and move on. Let me know how you get on...I am sure we could compare stories!
i |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 28 May 2008 : 15:25:05
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Hi Indy,
I don't think you have anything to worry about. Best of luck!
Regards
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
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indy2005
Junior Member
458 Posts |
Posted - 28 May 2008 : 15:30:56
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Thanks,
I still have some statements delivered to work (never got round to changing it)! One guy I met paid his postman to put his mail through the sunroof of his car!
GA would be torture for me....lets hope I just get a BRO. But I believe that gambling isnt an automatic BRO....right? |
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abd
Junior Member
284 Posts |
Posted - 28 May 2008 : 16:17:39
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Hi Andy
My story is abit ironic, I got ito gambling debt because my ex-employer continued sending my wages to my bank account for nearly a year.frankly speaking remained unnoticed for few months.I needed to get back the money I spent by mistake,guess what? gambling.And the rest of the story is obvious Andy. For 2 years I have tried all my best to come to an agreement with my ex-employer to pay installment the net overpaid money, but they refused
even to approach the inland revenue with may to regain the tax and NI. they went to court added their expenses, gross amount and interest. my debt will now take me 22 years to pay according to their attachment of earning.They put me in the most miserable 2 years of my life ,they reported me to my professional body to get me sacked, but could not succeed.I know I made a big mistake ,but it was their negligence in the beginning that created this silly situation.Any how I learned the lesson,I do not think any GA is going to teach me better.
Abd |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 28 May 2008 : 16:48:21
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Hi abd,
This is a story that is becoming all too familiar ... don't worry, you are certainly not alone! In addition, it helps that the judge and OR are (usually) decent human beings who are likely to be far more understanding than you'd think.
Regards
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
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indy2005
Junior Member
458 Posts |
Posted - 28 May 2008 : 18:58:16
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| Bankcruptcy is a much better lesson than GA. |
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Hx of gambling
