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andrew.m
Junior Member
United Kingdom
335 Posts |
 Posted - 05 September 2008 : 07:37:25
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morning all,
like the vast majority on here i have been using my cards to stave off BR, its like moving the deckchairs on the titanic!
anyway once the OR starts going through your statements at what point does he anticipate the activity to be criminal?
i ask this as there seems to be at least a couple of questions a week from people who are worried they are sailing close to the wind.
have a nice weekend
andrew x |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 05 September 2008 : 08:37:12
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Hi Andrew
In all honesty the OR are not dragons and they know we have to live. As long as you have made payments to these even if it was a month or so ago then the worst case scenario would be a BRU or a BRO which as bad as they sound are not they are more like a slapped wrist and a way of telling us not to get into that mess again. Also if you did get a BRO/BRU then you are restricted in some jobs and still not allowed credit over £500 without informing them.
I would not worry we have all done it, as long as you did not purchase anything expensive like a plasma TV or a picasso then like i said if they do the worst case would be the BRU/BRO.
Thanks
Keep Smiling
Jo :)
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
You can read my updated blog here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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andrew.m
Junior Member
United Kingdom
335 Posts |
Posted - 05 September 2008 : 09:10:30
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hi jo,
dont care for picasso, i just bought a rembrandt though, is that an asset? lol
xx |
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andy b
Junior Member
267 Posts |
Posted - 05 September 2008 : 09:12:30
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| what about dogs playing pool, please don't make me sell that |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 05 September 2008 : 09:40:14
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Well Andy,
I have the Haywain and no way am i letting that go, its priceless. Hee hee.
And Remember To Keep Smiling
Jo :)
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
You can read my updated blog here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 05 September 2008 : 09:41:02
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Sorry Andrew i called you Andy i hope i have not offended you. :)
And Remember To Keep Smiling
Jo :)
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
You can read my updated blog here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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andrew.m
Junior Member
United Kingdom
335 Posts |
Posted - 05 September 2008 : 09:47:16
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| no, its fine, all my friends call me andy x |
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 05 September 2008 : 09:50:11
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Hi
from my experience as soon as you have made the decision that Br is the right solution for you then my advice would be to stop using credit at that point.
Most people are actually better off financially and fin it easier to save for the court fees if you haven't got to make the monthly payments to creditors.
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
www.revivauk.com |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 05 September 2008 : 09:56:35
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Thanks for that extra info Paul,
We were debating whether we should sell the paintings too. LOL Only kidding
And Andy thats good some people dont like their name shortened.
Keep on posting.
And Remember To Keep Smiling
Jo :)
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
You can read my updated blog here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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andrew.m
Junior Member
United Kingdom
335 Posts |
Posted - 05 September 2008 : 09:58:36
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thanks paul,
and the priceless artwork... |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 06 September 2008 : 13:56:05
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Great to see a better class of bankrupts on this site :)
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 06 September 2008 : 15:45:10
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We aim to please, Julian. :)
And Remember To Keep Smiling
Jo :)
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
You can read my updated blog here:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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Topic |
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just what constitutes fraud?
