Hi I am bit worried when I have read about presenting 12 months worth of credit card statement to the OR - I dont have 12 months worth - they have been destroyed?
This does not really matter - the OR can get copies of them if they need to. Just explain that you had a policy of not keeping statements and that should be fine.
For an informal chat about any financial difficulties, or advice as to the options available, I can be contacted via my website - www.melaniegiles.com
Hi Charlotte and welcome to the forum. When I went BR last year I didn't have all my statements and the OR didn't even mention this - I presume she just contacted my creditors.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.