Hi i went BR on 8th oct 2008. I owed £35k. All on credit cards and 1 unsecured loan. £20K was due to ivf treatment. I have just sent off all recipes for the IVF to the OR. That leaves the outstanding £15k which was spent on living as after paying the minimum on the credit cards and the loan we had nothing to live on.
I am really worried, what is the worse they can do to me for spending this amount, i have got in a real mess, paying cards off but then having to put money back on them to live, a vicious circle. I have been totally honest with the OR and said i should of gone BR last year instead of trying to manage the debt which got us know where.
Also on the BR forms i put my normal wages down as i always get the same every month, apart from sometime i get a bonus perhaps twice a year but its not guaranteed. I think i am getting one this month, what should i do. If i Tell the OR now she will think i was lying about my wages. Shall i tell her if i get one it may £300 after tax. I totally forgot to tell her as like i said nothing is guaranteed i never know if im getting one until its in my wages.
Also the judge said the my apply restriction to my case, does this mean a BRO. when will i know if this will apply.
I am not sleeping at night cause i am so worried about all of this.
help some questions worried thanks
Posted - 20 October 2008 : 14:38:42
