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Needafriend
Junior Member
United Kingdom
344 Posts |
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Needafriend
Junior Member
United Kingdom
344 Posts |
 Posted - 06 November 2008 : 08:23:43
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Hi David
Yes i do remember waking in a panic, not knowing what to do or what to expect. 
But the best thing i ever did was make the decsion to go BR, it was almost like the black cloud had been removed when we had been to the court and my world seemed bright and sunny again. 
I know it may not seem like it right now but it will all come good in the end and it will be the best feeling ever once you know that your free and can start all over again DEBTFREE.
Keep asking those questions and whenever you need us for whatever reason just post on here, we do know what your going through and at the end of the day we all want the same result and thats to be able to live again and not feel like we are being punished for our mistakes.
Live life to the full, you only get one chance, now is the time to live those dreams and make them a reality.
Go for it! 
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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jayne h
Junior Member
218 Posts |
Posted - 06 November 2008 : 09:33:18
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Morning David,
Didn't log on again yesterday so really pleased to see that you are going ahead with it and have spoken to the Helpline.
Yes, I remember waking in the middle of the night, not being able to sleep. In between deciding to go BR and actually doing it (about 3 months) I even didn't like being in my home. The reason being is that we were constantly hounded by credit card companies who have this weird dialling system of dialling a few numbers and whoever answers first they speak to. The calls started from 8.00 am to 9.00 pm at night (even at weekends) We then made the decision to unplug the phone and tell people who needed to contact us to reach us on our mobiles. I'm not saying this to scare you - as I was part of this forum I was fully prepared for it and you have to ride it out for a bit.
However, that is all in the past and we still get the odd calls in between going BR and the Official Receiver contacting them. When did tell them that we had gone BR some were surprisingly kind about it!
Don't forget David that we can't change the past but can certainly change the future and that is exactly what you are about to do.
Please post with any questions you have about filling the forms in and keep in touch.
Jayne x |
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moonstriker
Starting Member
17 Posts |
Posted - 06 November 2008 : 22:20:13
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Thanks Jayne and you to Jo, you are both a breath of fresh air in my life.
Infact everyone who contacts me is providing kindness and support.
To-day, I missed the first credit card payment and keep looking at the phone expecting them to ring me! By the time I miss the next credit card payment (next week), I will have enough cash to pay for the court costs!!!
Regards
David
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 07 November 2008 : 07:30:04
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Morning David
I am so glad that your starting to get there and also to feel happier in yourself.
It wont be long before the take the plunge and as i have already said if you need help filling in the forms we are all here for you, no matter what.
Its a great feeling once you stop paying the creditors, weird but great as you think in your mind that you should be, but its the only way and its the best way forward.
They wont start calling just yet as you have only just missed the payments but yes i know they will and hopefully you would have got in there before they do. :-)
Have you called your local court to find out what the procedure is, what i mean is whats their booking system like can you just turn up or do you have to book, etc etc.
Once you get your date then things will start to look a lot brighter as you have a date to head for and once that date comes you will know that basically it will all be over.
Take care my friend and do keep posting. :)
Jo
Your Forum Moderator
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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jayne h
Junior Member
218 Posts |
Posted - 07 November 2008 : 11:20:15
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Morning David,
You've brought tears to my eyes!! Only a few months ago I was "you", coming on here and getting loads of support and feeling really low, and in a few months time you will be "me", giving support having already been through it and coming out the other side.
Your family are the most important thing and once this is out of the way, you will be able to focus on them again.
Where is your local Court - I would take Jo's advice and phone up and see how long their waiting list is. Mine was just over 7 days, some are a few weeks, some have turn up and wait systems.
Re the calls, they will start soon I would imagine. Some companies are worse than others, Golfish and Halifax are particularly annoying but to be honest, Tescos were absolutely fantastic. When I first wrote to them saying I was having financial difficulties they sent me a letter saying, "This is what you will need to know" and which stated how long I had had the card, what the balance was etc etc. I don't recall receiving any hounding phone calls from them!
Anyway, I'm pleased to hear you sound more positive today.
Jayne xx
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moonstriker
Starting Member
17 Posts |
Posted - 10 November 2008 : 18:54:30
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Well, I tried to speak with the county court office earlier today but was told I have to speak to a particular guy only and he will not be available until Tuesday (tomorrow), so I will try again and report back.
I was surprised to see that I need to register to obtain the forms on line, but I am sure its better than picking them up from the offices.
Having looked at what little money I have left, I have decided that just as soon as my wages are paid into the bank which is the last Thursday of this month, I will do the dirty deed and no more messing about, so watch this space as they say.
You have given me the strength to at least face the days that lead up to the submission of the papers and for that I will always be truly grateful and thankful.
My regards and best wishes
David
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 10 November 2008 : 19:38:57
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Hey Moonstriker
I just wanted to say your welcome and i am glad that we could be of assistance.
You take care and if you need us you know where we are.
lol
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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bang up
New Member
58 Posts |
Posted - 15 November 2008 : 12:36:30
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| david - go bankrupt and get your life back. |
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moonstriker
Starting Member
17 Posts |
Posted - 15 November 2008 : 18:08:50
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Thanks, and I will be just as soon as I get paid at the end fo this month, infact in 10 days time!!!
I have already spokn with the county court offices and collected my info pack as well as down loaded the forms. So almost with with you my friend
Regards
Daid
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I am ashamed to have to admit
