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    • KJ2886
    • By KJ2886 16th Apr 17, 11:29 AM
    • 42Posts
    • 8Thanks
    Facing up to bankruptcy!.. need help!
    • #1
    • 16th Apr 17, 11:29 AM
    Facing up to bankruptcy!.. need help! 16th Apr 17 at 11:29 AM
    Hi Everyone, Ive been reading posts on here for a while and finally facing up to the possibility of bankruptcy!

    I owe approx 35k in Overdrafts, Credit Cards and a payday loan and im so annoyed with myself I let things get this bad! Due to gambling and general over spending, balance transfers and ending up using cards again and 0% offers ending and debt increasing!
    I hadnt missed any payments until 2-3 months ago and I was all set up to start a DMP, opened up a new bank account, wrote to a few of my creditors (online) but not all, got a pack from Stepchange - but never got up to filling it in!
    My new account is with Halifax but then realised thats part of Lloyds banking group, and one of my debts is Lloyds (£1500 overdraft) so thats why I never actually started with the DMP yet

    I went to check my credit file on noddle adding up all my debts and then I saw a CCJ on my account from Oct 2016 for £5000! and now im freaking out and scared about what will happen now! Haven't contacted anyone about the CCJ yet (Is listed at an old address so this is first ive heard about it)
    Im now worried ill have bailifs at my door or they will take my car etc now

    I dont know what to do now!
    Im dealing with this alone and I dont want any family to know what Ive got myself into

    Thank you for reading
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    • peterkay369
    • By peterkay369 4th Sep 17, 9:14 PM
    • 164 Posts
    • 68 Thanks
    By the fact that they have sent the letter to me would say that they are going to pursue a BRU.

    Sorry - just being honest.

    I think I literally just gave the OR the login details to my online account, and they sorted the rest. They had copies of statements from all the creditors anyway. I had no paperwork, depression and denial meant it all ended up in the fire. Not my proudest moment.
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