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helen_w5
New Member
79 Posts |
 Posted - 02 August 2009 : 20:36:19
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| Hi I have been declared bankrupt this week and I have been told by the Insolvency Service that I am dealing with and the company who helped me file that there no longer are personal bankruptcies published in the local newspapers. Please can you confirm this because I am going out of my head with worry about my parents finding out. |
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mitsu8
Junior Member
272 Posts |
Posted - 02 August 2009 : 20:50:37
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| hi i went br 2 weeks ago and when having my or interview was told they no longer put it in local papers.dont know if it is just for my area or for the country |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 02 August 2009 : 22:03:43
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It's down to the individual OR as to whether or not the BR is advertised in the paper.
The glimmer gets brighter all the time
Jan
xx |
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debtinfo
forum expert
2826 Posts |
Posted - 02 August 2009 : 22:29:31
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The general advice to all OR's has been changed to not putting bankruptcies in local papers from 01/4/09. This is take advantage of the The Insolvency (Amendment) Rules 2009 No. 642
that came into force specifically removing the need for a local advert so that the IS can reduce their costs. As Kallis says it is still at the OR's discretion whether to advertise in a local paper but it is expected that this will only be in exceptional circumstances where the public need to be protected. |
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helen_w5
New Member
79 Posts |
Posted - 03 August 2009 : 07:23:22
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Thanks for the replies - i feel better now.
Please give me some advice on the depression side of bankruptcy. Basically after I filed I felt so relieved and enjoyed my week, but then the OR called to arrange the interview and although I've got nothing to hide - i've never gambled or anything like that, I think the call from him just made me see that this was a reality.
Well since that point - which was this Friday - I have pretty much fallen apart. I cant function. I feel like crying all the time. I look at people in the street and think to myself "i'm a loser compared to you"
Basically i'm on a downward spiral - I actually feel like suicide is an option - i dont think i can live with what ive done - i'm out of control. I cant sleep and i've not eaten for 4 days....
HELP..... |
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kevywevy
Junior Member
United Kingdom
201 Posts |
Posted - 03 August 2009 : 07:48:47
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Helen nothing is worth taking your life ,remember money ,debt etc are all just man made inventions that complicate life even when alls going well.
x |
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helen_w5
New Member
79 Posts |
Posted - 03 August 2009 : 07:59:04
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I know it is ridiculous feeling this bad, but I cant shake the feelings of depression. Im going to my doctor this week to discuss how im feeling.
I just feel so ashamed and such a failure!
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totally lost
Junior Member
116 Posts |
Posted - 03 August 2009 : 12:40:01
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quote:
Originally posted by helen_w5
I know it is ridiculous feeling this bad, but I cant shake the feelings of depression. Im going to my doctor this week to discuss how im feeling.
I just feel so ashamed and such a failure!
Hi Helen_w5
First of all: BIG hug to you!! And you are not a failure!!
Second: I know EXACTLY how you are feeling and I bet there are lots and lots of other forum members that have felt this way at some point!! Please dont think you are alone in having these thoughts.
I am in the stages of saving to go BR and since I have no-one to talk to about this (apart from this forum and the unconditional help/support and advise from Paul at Reviva)
I too feel utterly lost and just beyond words scared about this whole thing too!!
Only this last saturday I was in the middle of a lovely dinner with my
family and I found myself suddenly looking around the dinnertable and my heart literally just stopped as I thought of what I am going through and what I will be doing soon..Ie going BR.
I just stopped chewing as my thoughts were what a awful person I am and a huge disapointment!!?!
I just felt so instantly and desperatley sad!!
It lasted a good couple of minutes which felt like an eternity.
I get these 'moments' quite often and have to pull myself together quickly before tears appear.
So I understand completely what you mean.
I do try to overcome my 'moments' by thinking more about the fact that I HAVE acknowledged my debt and I AM trying to look to the future.
By all means have I proven,to myself and the rest,that I can live without credit and I have not had credit for over 5 years/as my previous posts.
I havent's spent vast amounts of money on beauty treatments-holidays-sports cars-dinners at the Ritz or clothes etc...I spent years trying to pay bills and contribute to life on a pretty low income.
(And I was too ashamed to admit my income was very low)
I hope you can overcome your depressive thoughs by looking towards the future Helen. Like so many others on this forum I am sure would agree: the past is the past and you must have learnt from it!?!
The BR stamp is with you now, but this isn't so that you must hang youre head down and your tail between your legs???
Now is your time to have you back straight and head high and look to your future as a debt free individual!!
And remember that debt-free is becoming pretty rare in this day and age so I think its perhaps a good situation to be in at the end of the day!!
Sorry about the long lenght of this-I hope it has been of some help at least!
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helen_w5
New Member
79 Posts |
Posted - 03 August 2009 : 13:50:47
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| Thankyou so much Totally Lost - it means a lot that you have taken the time to write to me. Also can you clarify that the local papers no longer publish personal bankruptcy? I have been told by everyone ive dealt with that they dont and i cant find any in the local paper but im worrying so much about it appearing! |
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totally lost
Junior Member
116 Posts |
Posted - 03 August 2009 : 15:20:56
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quote:
Originally posted by helen_w5
Thankyou so much Totally Lost - it means a lot that you have taken the time to write to me. Also can you clarify that the local papers no longer publish personal bankruptcy? I have been told by everyone ive dealt with that they dont and i cant find any in the local paper but im worrying so much about it appearing!
Hi again Helen
So glad my looong post was of some comfort
I am not 100% sure about the note in the papers, but as more and more people state it DOES seem to be few and further between the OR actually putting your name in the local unless you are of any 'threat' to local businesses etc.
I too (believe me!!) have worried about this part of BR but I have noticed that the BR section in my own local only ever states one or two names these days whereas last year it normally was five-six names.
At the end of the day I have come to the coclusion that:
A: I just can't do anything about this if my OR wants to advertise my name!?
B: It will be there for one publication only/so not week after week.
And as Paul (Reviva) says-it woun't be front page!!!
C: I have even thought about writing a very short but descriptive message briefly stating the 'very easy part to forget' about how painful it is perhaps for the BR individual (ie ME!!) to go through this and if whoever that has read it has any repect for this/me they would leave the whole matter at rest and NOT malicioulsy announce it to the rest of the world!!
I have thoughts of laminating this small note and carrying in my handbag and should anyone ask me about 'the note in the paper says...' I would just not say a single word but just let them read it!
Gosj, sounds totally ridiculous doesn't it!?Ha ha ha.... but hey, I have that gut feeling this will work for me at least
I hope your family, IF they ever knew, can see past this 'stamp' of BR and realise all the stress YOU have had to deal with WITHOUT their help! You are now debt free ( I am pretty jealous) and you can now look forward in your life!! Thats a huge achievement isnt it?? I definately think so!
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 03 August 2009 : 15:27:36
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quote:
Originally posted by helen_w5
Thanks for the replies - i feel better now.
Please give me some advice on the depression side of bankruptcy. Basically after I filed I felt so relieved and enjoyed my week, but then the OR called to arrange the interview and although I've got nothing to hide - i've never gambled or anything like that, I think the call from him just made me see that this was a reality.
Well since that point - which was this Friday - I have pretty much fallen apart. I cant function. I feel like crying all the time. I look at people in the street and think to myself "i'm a loser compared to you"
Basically i'm on a downward spiral - I actually feel like suicide is an option - i dont think i can live with what ive done - i'm out of control. I cant sleep and i've not eaten for 4 days....
HELP.....
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 03 August 2009 : 15:31:08
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Hi Helen
Lots of big changes with BR - but it does get better. I am 2 and a half months into BR and each day is a step forward.
I lost two businesses and attempted suicide in April - I was not successful (obviously!). It is a big step to take - I had to really think about how I survived - It does get easier (I am told)
Lots of love to you and be strong xx |
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helen_w5
New Member
79 Posts |
Posted - 03 August 2009 : 16:18:55
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Housing - thanks for your words of support. Im so sad to hear how you've struggled, but glad that im not the only one who feels this terrible. Although I have had some good news today and that is that Reading, Berkshire Insolvency Service have officially said to me that they DO NOT print bankruptcies in the local newspaper - WHOOP WHOOP!!!
I can keep it private |
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helen_w5
New Member
79 Posts |
Posted - 03 August 2009 : 16:39:37
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Richard
Thanks again for sending me a message. ~Your situation sounds so sad, but well done you for keeping going! You are very brave and I truly believe that it will be us (and all on this forum) that come out better off - on the basis that we will learn from this tough experience and never ever get into this situation again.
You'll be fine - so will i, and we'll recover soon enough. It wont be easy, but nothing worth doing is simple right?
 Take care of yourself and your family |
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Topic |
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Hi I have been declared bankrupt this week
