| Author |
 Topic  |
|
|
BGD
Starting Member
United Kingdom
4 Posts |
 Posted - 17 September 2009 : 11:19:16
|
I am saving as quickly as possible to raise the money to declare bankruptcy. This is going to take a few months and am still getting threats of visits from my creditors and bailiffs.
Is there anything I can do or say to them to get them to leave me alone during this time? I cannot afford to pay any of my debts and just wish I could get this sorted sooner. |
|
|
gettingoutofdebt
forum expert
2418 Posts |
Posted - 17 September 2009 : 11:29:20
|
There isn't really anything you can say to them and they won't leave you alone until the debt is paid or you are declared BR. The only option is to not answer the phone or change your phone number and don't let the creditors know the new one.
Just before I declared BR I bought a cheap PAYG mobile and updated all my creditors with this number. I told them that I was declaring BR and then switched the phone off. |
 |
|
|
BGD
Starting Member
United Kingdom
4 Posts |
Posted - 17 September 2009 : 11:34:43
|
| Thanks for that. They're sending me letters rather than phoning but what I'm most worried about is the threats of visits. |
|
|
|
jim_h
Junior Member
United Kingdom
219 Posts |
Posted - 17 September 2009 : 11:38:49
|
| iam on 4 day week 25% less pay and should of saved up enough money by Christmas have you any ccj against you i went to court ended up paying 2 pounds only as hardly enough money to live on have you thought about d r o debt relief order as this cost under 100 pounds don't have any bailiffs worries most try for ccj first judge said that is all you can afford to pay vists dont worry i have dozens of so called vists they rarely come round if they do turn up thy have no legal rights so please dont worry |
Edited by - jim_h on 17 September 2009 11:45:21 |
|
|
|
Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 17 September 2009 : 11:42:27
|
Hello David,
I know how this all feels, it is a nightmare for you, I am sure. A couple of suggestions:
(1) Change your landline number and go ex directory - it will not cost you anything - a bit of inconvenience for your family/friends who have your number - but it will give you peace morning, noon and night!
(2) Contact CAB, National Debtline and CCCS Debt Management - they are all very helpful - my own view is that the national Debtline are the most helpful in terms of detail on website etc
(3) The liklehood of anyone visiting your home is remote - they threaten to "scare" you into paying - even if they do call, (which as I said, is not likely) they have no power to distrain
(4) You may want to change your mobile number too if your creditors have that number - sadly, that is not free - but a pay as you go is quite cheap I believe
(5) Do not be intimidated by them - they adopt very nasty tactics - I have asked them in the past if they sleep at night!
You can post her and someone will answer you and that, I hope, will make you feel a bit better.
You are not alone - more BR cases now than ever in history
I hope thse few words shared with you assist even a small amount and be positive - we have all had the experiences you are having - there is a life out there after BR or IVA or whatever you go for.
My regards, Richard
"There are no problems - only solutions..." |
|
|
|
BGD
Starting Member
United Kingdom
4 Posts |
Posted - 17 September 2009 : 11:49:21
|
| Thanks Richard, that has helped ease the worry a bit. Hopefully I won't be getting any surprise visits. I shall be so glad when I can finally get this under way and move on with my life. I'm so pleased I found this forum. |
|
|
|
Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 17 September 2009 : 12:06:02
|
David,
Good luck to you and yours - this Forum is very good - it is sometimes a comfort simply to know that there are others experiencing the same trouble.
The people who make the calls morning noon and night are outragous and I really do not know how they live with themselves and their actions. I had a call earlier this week saying someone will be calling to see me - I reminded him that I was BR and that his client was included as a creditor - he soon vanished from the call and i suspect I will never hear from him again!
Good luck, Richard
"There are no problems - only solutions..." |
|
|
| |
Topic |
|
Waiting to declare bankruptcy
