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tracy_b
Junior Member
United Kingdom
457 Posts |
 Posted - 29 August 2008 : 18:43:59
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I had a call today from John after requesting help from this website. He was truly wonderful and gave great advice. having been in this situation himself no question seemed too silly to ask.had a cry on the phone to him and he gave me all the support and help i needed. i truly believe that now i am not alone with this problem and that someone will always be there to help.
John i have pushed the buttons on the internet bank!!!!
THANK YOU LOADS
Tracy
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debtfreejo
Junior Member
213 Posts |
Posted - 29 August 2008 : 18:52:18
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Hi Tracey,
Within this site your never alone, just post a quesiton and someone will answer it.
We have all been in the same boat and we want to all help you no matter what.
It is not a case of hiding away from it, BR is not a shamefull thing anymore and your def not alone.
You wont be the first and you wont be the last.
Keep smiling :)
JO |
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tracy_b
Junior Member
United Kingdom
457 Posts |
Posted - 29 August 2008 : 18:56:08
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Hi Jo,
I think some times you just need to hear thats its all going to be all right and your not the worlds biggest loser! John gave me that this afternoon and i look through the posts on the site and feel i no i'm not alone and we can all help eachother. its just really frightening when you finaly realise that you cant deal with it anymore.
Tracy |
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debtfreejo
Junior Member
213 Posts |
Posted - 29 August 2008 : 19:02:45
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Hey Tracy
I know my shock came in May after years of paying the debts, i dont know how but we did then reality hit.
We went BR on the 4th of August and it was the best thing we ever did.
I know we are not through the fire so to speak yet but we are getting there and so will you.
There is light at the end of the tunnel!
Jo |
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tracy_b
Junior Member
United Kingdom
457 Posts |
Posted - 29 August 2008 : 19:08:30
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| is it very horrible, going to court and all. I have never had to go there before. I have phoned the court office today asking them to send all the paperwork for me to fill out. John said one form is 32 pages long and will take some time to fill out. How long do you have to wait to be declared BR and do the creditors stop hassling you straight away |
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debtfreejo
Junior Member
213 Posts |
Posted - 29 August 2008 : 19:27:48
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Hi tracy
You can fill the forms in online and do them at your leisure, you save the pages and submit and print when your ready.
The forms are available from:
https://www.insolvencydirect.gov.uk/isolv/
As for the creditors contacting you after they still will but it will be out of your hands, the OR takes over and you just tell the ones that call you your BR number and OR details and leave it at that.
I caan take a while for the OR to write to them but many see it in the paper so find out that way anyhow.
Hope i helped
Jo
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tracy_b
Junior Member
United Kingdom
457 Posts |
Posted - 29 August 2008 : 19:31:44
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Thanks Jo for all your help this evening. I will expect the next few weeks to be naff but as you say there is light at the end of the tunnel!
cheerio for now
Tracy |
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debtfreejo
Junior Member
213 Posts |
Posted - 29 August 2008 : 20:37:28
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Your welcome,
Take care
JO :) |
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John
New Member
United Kingdom
73 Posts |
Posted - 30 August 2008 : 01:37:10
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Hi Tracey
I'm really pleased our chat on the phone helped today. And well done you re the internet!!!
Sometimes it's all too easy when we're in a mess to forget what's most important for a while.
I know when I was where you are I didn't know what day it was. I spoke to an expert who put it all into prospective and from that point I began to realise that I didn't care about that house, we'll get another one. I didn't worry anymore about anything much, me the wife and the kids, we were solid so who or what in hell's name can hurt me!!!
www.Bankruptcyhelp.org.uk
0800 078 9367 |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 30 August 2008 : 11:18:26
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Hey John
That is so right the saying that has sprung to mind is
"Sticks and stones may break my bones but words will never hurt me"
And in this situation it fits in so well.
At the end of the day we have to think about what is right for us and our family and not what others are going to say.
Jo
"There is light at the end of the tunnel, if you cant find it get a brighter torch" |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 30 August 2008 : 14:10:12
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Hi John,
Looks like I owe you a few beers then :) Great work mate!
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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massive thanks to John
