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SUPERBROKE
Starting Member
12 Posts |
 Posted - 21 October 2008 : 15:31:17
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| i,m so down at the moment i dont know which way to turn i am going to dclare myself b/r but dont have the funds i am on benefits at the moment ,,god im such a mess when my business failed i just ran away and used all the credit cards i had to live on and havent been in touch with the insolvency people for the business for 7 or 8 mnths and was told if i didtn keep in touch a warrant for my arrest would be made,, i have only recently got my self a registered address a bed sit,, would you beleive it i had a detatched house a bmw and now i live in a bed sit in a strange area ,i have got a new girlfriend who i hve told evrything to and she wants me to move in but i cant put her at risk untill this is all sorted where do i get the funds for this and is there a chance i could go to jail i have loans everywhere c/cards maybe around 80k and then the business overdraft of about 14k i out the house on the market hoping to pay some of the depts off but in the end i just burried my head in the sand ,,,is ther anyway i can get the costs covered,,the daft thing is i went to see a private insolvency practioner and he said it could all be BURIED his terms,,,but by the time i went to see him a supplier had already applied for the br against me ,, as a director i was abliged to keep all my paperwork and give it to the isolvency people ,,well i didnt i handled it all the wrong way and really thought i just needed a bit of space so i used the credit cards and carried on living my life thinking i sort it out in a months time ,,so off to france for a while with a new chick wined and dined her the the wine ran out and so did she now i think i,ll never work again or is that just stress i feel like such a weak person and i dress like a tramp i used to go to meetings in designer clothes and was quite sucsessful at 1 point but maybe living beyond my meens why doesnt someone invent a retrospectorscope to show us how easy it is that we can screw our own lives up ,,,anyone fancy loaning me £400 so i can go br |
Edited by - SUPERBROKE on 21 October 2008 15:56:42 |
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Suzanne
Average Member
United Kingdom
869 Posts |
Posted - 21 October 2008 : 16:34:31
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Hi
Have you tried the CAB to see if there are grants available in your area to help out with petitioning costs? The only other option is for family or friends to help you out or to sell some stuff.
Suzanne Stocker
Bankruptcy Manager
Jones Giles Ltd
www.jonesgiles.co.uk
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Confused
Starting Member
44 Posts |
Posted - 21 October 2008 : 16:43:24
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| Has anyone taken money from their credit cards to pay for this? |
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useful
Starting Member
United Kingdom
44 Posts |
Posted - 21 October 2008 : 17:47:54
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hi, it took me 2 1/2 months to scrounge the fee together, but if you go to citizens advice they will write to your creditors and tell them you are saving for the fee to go br. - you will at least feel you have a bit of control and time to get your head around things. You will still get letters and phonecalls but at least you will have taken a step towards accepting your situation and looking to the future a bit.
Ive lost about 8kgs in weight with the 'war-time' diet i had to go on towards saving the fee, so its not all bad and ive learned inventive things to do with potatos - my hair is grey at the roots (no hairdressers etc) and ive been so down about it before i picked up the forms, i thought of taking my own life - i had a house, car and good job but it all went down the tubes when i had a breakdown and like you i just continued to spend as if i was still working - i thought i would get better and be working again. I now live quietly in a tiny rented room.
Anyhow ive had to let go of who i used to be and now never want another credit card ever again - or property - or a car - its kind of liberating, so dont be afraid, dwelling on your mistakes and misfortunes - get on with building a new you and making some closure on the past - it will feel like a tidal wave approaching but it will pass.
Im no expert as ive yet to present the br forms to the court, but i can relate to your feelings on the matter.
take care
Having nothing is a form of freedom |
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eamonn
Junior Member
320 Posts |
Posted - 21 October 2008 : 18:35:26
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hi superbroke
i know how you feel trying to find the fee to go br is almost funny except that it is true 
anyway if you are in receipt of certain benefit i.e.income support jsa etc you can claim a reduction of the fee by £150 meaning that as long as you are not going to the high court your fee should be £345 also if you are a customer of certain utilites they have grants available the utilites i know of are edf ednergy,british gas,anglian water,and some other water companies if youlook at "needafried" blog you will find the web address for these and possable a few more there
from what you say in your post one of your suppliers has already applied to makeyou br if thats the case then you do not need to find any fee you can check on the insolvancy register to see if you have already been made br,i hope this helps in some way |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 21 October 2008 : 20:29:06
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Hi Superbroke,
I would love to loan you the money to go BR but i cant :-(, i would say though as eamonn has said have a look through my blog i have listed some ideas on how you may get help with the fee.
Some people also save from not paying there creditors for a month or 2 prior to BR, others ask family, some sell a few things anything to get the money.
You say a creditor is about to make you BR, they only do this as a last resort and often threaten about it in order to scare you into doing something about your debts. They would rather not make you BR but if BR is what you feel you must do it may be better to get there before they do.
Take Care
Jo x
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Needafriends Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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SUPERBROKE
Starting Member
12 Posts |
Posted - 21 October 2008 : 20:50:35
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| i dont think you undersand i havent been paying my depts for nearly 12mnths i just dissapeared |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 21 October 2008 : 22:07:38
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Ah right, i see.
So they cant catch you as such as you just vanished.
Have you ever seen any old letters from your old creditors or IP.
Hey we can get you through this, can you call our helpline at all, they may be able to help.
That number is 0800 078 9367.
Try not to let it get you down, life is so precious and debts are not worth dragging yourself under for.
Please call the helpline, leave a name and number and they will call, i promise.
Take Care
Jo x
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Needafriends Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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SUPERBROKE
Starting Member
12 Posts |
Posted - 21 October 2008 : 22:33:30
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| so is this free advice i can call tmrrw |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 22 October 2008 : 07:32:33
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Hi Superbroke
Yes we can give some free advice and then see what route is the best option for you.
We may not be able to speak to you straight away but leave a name and number and we will get back to you sameday if not def by the next day.
Please do call us though it may help to put your mind at rest with some issues.
Best of luck
Take Care
Jo x
Please visit my blog for info on how I got here and other information to guide you through from my experience called:
"Needafriends Links and added info on Bankruptcy!" available to view at:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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Confused
Starting Member
44 Posts |
Posted - 22 October 2008 : 10:40:28
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| Has anyone taken money from their credit cards to pay for this? |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 22 October 2008 : 11:12:46
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I have heard of people doing this, but to be honest it's a no no - once you know you're insolvent you mustn't use any form of credit. The OR could end up giving you a BRU for borrowing money you know you couldn't repay.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/ |
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SUPERBROKE
Starting Member
12 Posts |
Posted - 22 October 2008 : 11:21:18
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| i was joking about the loan |
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Confused
Starting Member
44 Posts |
Posted - 22 October 2008 : 11:49:47
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| What is a BRU? |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 22 October 2008 : 11:55:32
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It's a bankruptcy restriction undertaking. Although you would be discharged from BR after a year, you would still be subject to the restrictions of BR (no credit over £500, can't work in certain professions etc) for the duration of the BRU.
I'm not saying you would definitely get a BRU (I don't want to scare anyone!), but it is something that needs to be considered.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/ |
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Confused
Starting Member
44 Posts |
Posted - 22 October 2008 : 15:03:36
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Thanks Skippy - i wont be doing that then :-)
My b/f is very scared at the thought of me going BR and we are exploring alternative avenues. He has been told that i would NEVER be able to get a mortgage because of BR is that correct? |
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i havent got the money to go br
