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 bankruptcy postbag for june
 Contract mobiles once BR
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kboy33
Junior Member

United Kingdom
186 Posts

Posted - 11 June 2008 :  15:15:25  Show Profile  Reply with Quote
Can you keep your existing contract mobile once you become BR? Mine cost me no more than 40 a month. Would the OR allow this? Thanks

m and v
Average Member



United Kingdom
760 Posts

Posted - 11 June 2008 :  15:29:27  Show Profile  Reply with Quote
Hi kboy33 - I put down £50 a month for landline and mobile - which has been accepted by the OR.
If you put down a higher figure that the OR reduces you could still pay for some/all of your contract mobile with your disposable income.


Vicki x
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kboy33
Junior Member

United Kingdom
186 Posts

Posted - 11 June 2008 :  15:33:40  Show Profile  Reply with Quote
God you're full of knowledge aint ya Vicki? lol, cheers.

Is it wrong that i'm not worried at all about my impending BR? I've been scrimping for years and just feel like a clean slate is what i need. I'm sure once i start filling my forms in and going to the court it'll be a different story though...lol
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m and v
Average Member



United Kingdom
760 Posts

Posted - 11 June 2008 :  15:38:55  Show Profile  Reply with Quote
Full of something!! lol!
I'm like a sponge kboy33 - soaking up info! All learnt from this forum!!!
Once I had decided to go BR I was quite looking forward to the thought of being debt free after years of debt.
Was really nervous on court day....must have looked it too because everyone was nice to me that day!

Vicki x
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kboy33
Junior Member

United Kingdom
186 Posts

Posted - 11 June 2008 :  15:50:57  Show Profile  Reply with Quote
Girls can get away with murder!!! :-)

Knowing my luck i'd get Judge Dredd and an OR that detested their job & everything that came with it and make the next 3 years hell for me...lol
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kboy33
Junior Member

United Kingdom
186 Posts

Posted - 11 June 2008 :  15:53:28  Show Profile  Reply with Quote
Vicki, how long ago did you declare yourself BR if you dont mind me asking? Is day to day life easier for you now you debt free?
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m and v
Average Member



United Kingdom
760 Posts

Posted - 11 June 2008 :  15:58:30  Show Profile  Reply with Quote
It was the dithering bottom lip that did it!

I went BR on 18th April this year - so a newie in the scheme of things.
I have found I manage my money much better - if I want something I will have to save for it.
No more debt worries though - I have just come out of an IVA and that was a horrible experience for me (I know it works well for others) I went from creditor hassle to IVA hassle!
Now I can get on with life knowing I have no debt - I can sleep at night - no more panics - no more phone calls or letters.
I can handle having BR on my credit record for six years - don't want credit anyway!

Yep - it was a good move for me!

Vicki x
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kboy33
Junior Member

United Kingdom
186 Posts

Posted - 11 June 2008 :  17:22:23  Show Profile  Reply with Quote
I've been in a disasterous IVA too....
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m and v
Average Member



United Kingdom
760 Posts

Posted - 11 June 2008 :  17:41:14  Show Profile  Reply with Quote
Do you mind me asking who it was with?

Vicki x
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kboy33
Junior Member

United Kingdom
186 Posts

Posted - 11 June 2008 :  18:48:21  Show Profile  Reply with Quote
Not at all, Grant Thornton the robbing bas***ds! lol
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m and v
Average Member



United Kingdom
760 Posts

Posted - 11 June 2008 :  19:00:50  Show Profile  Reply with Quote
I was with clearstart

Oh well - we live and learn - all behind me now!

Vicki x

Edited by - m and v on 11 June 2008 19:32:21
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Skippy
forum expert



United Kingdom
3290 Posts

Posted - 12 June 2008 :  10:31:13  Show Profile  Reply with Quote
I also went BR after a failed IVA - mine was with Accuma.

Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.

BTW I was allowed to keep my contract mobile with Vodafone at £35 a month.

View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/

Edited by - Skippy on 12 June 2008 10:31:45
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cat
Junior Member

201 Posts

Posted - 14 June 2008 :  14:04:42  Show Profile  Reply with Quote
I went BR last thursayd and wasn't allowed to keep my contract mobile phone even though it's only £25 a mth. OR told me i could have another contract but when i went into vodafone shop they changed my phone to a pay as you talk!! not impressed. Was also told NO WAY to another contract. Im not sure why i was told it'd be ok?
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