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  • FIRST POST
    • IF
    • By IF 3rd Nov 15, 2:38 PM
    • 34,276Posts
    • 87,523Thanks
    IF
    Welcome to the Bankruptcy Board - Part 3
    • #1
    • 3rd Nov 15, 2:38 PM
    Welcome to the Bankruptcy Board - Part 3 3rd Nov 15 at 2:38 PM
    Welcome to the Bankruptcy (BR) Board.

    Hello and welcome, many of the posters on here have been through bankruptcy, they will be able to help, advise and also offer you support. We do have posters who have/do work for the OR and Debt charities too.

    Written by fermi our board guide:-

    "Many people find that debt and bankruptcy is the cause or result of a period of great distress and anxiety in their lives. For some this can reach a stage where it is difficult to cope. So I would remind you that The Samaritans are available to help you through your troubles if the emotional side threatens to become overwhelming."
    The Samaritans - Click here

    Helpful Links and Information.

    To post your question go to the top left hand side of BR board and press the "New Thread" button as shown below:

    or


    And type in the Title to your thread. If your post doesnít get answered straight away please donít lose heart, itís often due to not being a 100% sure we would be giving the correct answer. If you find your post is not answered and itís on page 2, please Ďbumpí your post back up the board.

    We often ask you to post your SOA so we can see if you have included what you need to:-
    MSE SOA Calculator - Click here
    Select the MSE format at the end. Copy and paste onto your thread.

    * Blue text on MSE usually signifies hyperlinks, click on the blue links below *

    Please do read these threads and other threads on the BR Board, remember knowledge is power.

    For Ďessentialí BR info the ĎLook here firstí sticky by fermi.

    BR Friendly Bank Accounts ~ [Updated Sep 2012 re: Co-op Cashminder withdrawal]

    BR Abbreviations

    Beware of advice via PM.

    Assorted letters to creditors

    Reasons for your BR - 6.28

    Charities who help with BR Fees

    BR friendly home insurance thread

    CABmoney Bankruptcy Payment Order Calculator

    The IS Official Guide to Bankruptcy

    Bankruptcy NDL Guide

    Basic Bankruptcy Advice & Guide NED CAB

    Diary of a broken gambler

    IVA & DRO Board

    If you are new/old to this board and receive/see a comment that is not helpful or insensitive please donít let it put you off posting, often these comments are made by people who donít normally contribute to this board and donít speak for us.

    What to do if you get an insensitive or hurtful comment

    Best wishes on your BR journey
    IF and dojoman
    "If wishes were horses, then beggars would ride"
Page 1
    • IF
    • By IF 3rd Nov 15, 2:39 PM
    • 34,276 Posts
    • 87,523 Thanks
    IF
    • #2
    • 3rd Nov 15, 2:39 PM
    • #2
    • 3rd Nov 15, 2:39 PM
    Every now and then we have had a number of offensive and insensitive comments made on the BR board.

    What do we mean by this?
    A person that posts deliberately provocative, nasty or hurtful comments on threads is know as a Troll. They may be a person with no previous connection to the board, someone that has created a pseudonym to get their point made or a poster who has been a member here for a long time.
    If you should get such a comment made on any thread you post, please realise this comment is not directed at you personally so please ignore these nasty comments and continue to post here as normal because the majority of us really are a lovely bunch – ooops, modesty! That said there are different writing styles; some brief and some harsh but helpful. If you happen to read them when you are not going through such an emotional time, you may find you are not as offended. So if they have upset you please try not to respond angrily. Most people are simply trying to help.

    What should I do if I get a comment made on my thread?
    Firstly do not respond to the comment as this is invariably what the troll wants.
    To get rid of the offending post, click on the “Report” icon at the bottom of their post, as shown below:

    or

    Fill in the form which will alert the MSE team, who will then review its content and deal with it as appropriate; sometimes even deleting the Poster by making their status PPR’d (Posting Privileges Removed). Remember, this site is an asset to so many people, especially those that feels like their world is falling in around them. There is a wealth of knowledgeable people here all willing to help, whatever you do, do not let the comments of one silly individual deter you from availing yourself of the knowledge base that is on offer here.

    PLEASE DO NOT LEAVE THE FORUM

    It is testament to the work that Martin has done and continues to do that so many people give their time, knowledge and experience freely to others; without judgement, to lift people out of the depths of their debt crisis


    PLEASE DO NOT LET THE ACTIONS OF THE MINORITY RUIN THAT
    Last edited by IF; 03-11-2015 at 7:36 PM.
    "If wishes were horses, then beggars would ride"
    • IF
    • By IF 3rd Nov 15, 2:41 PM
    • 34,276 Posts
    • 87,523 Thanks
    IF
    • #3
    • 3rd Nov 15, 2:41 PM
    • #3
    • 3rd Nov 15, 2:41 PM
    More 'bumpers' needed

    Please join in bumping this thread, whether its just been bumped a minute ago or an hour it doesn't matter

    One of the most asked questions is why is this thread not a sticky?


    Its been proven not many Newcomers read the stickies first but will read a thread moving up and down the board, eventually when new posters are settled, they will then read the stickies.

    Also we 'Bump' this thread, to take the thread back to the top of page 1.
    "If wishes were horses, then beggars would ride"
    • tigerfeet2006
    • By tigerfeet2006 3rd Nov 15, 3:07 PM
    • 13,803 Posts
    • 29,885 Thanks
    tigerfeet2006
    • #4
    • 3rd Nov 15, 3:07 PM
    • #4
    • 3rd Nov 15, 3:07 PM
    Will do my best to help sweetie.
    BSCno.87
    The only stupid question is an unasked one
    I now live in a country that is 4 hours ahead of the UK so you may now find I post at weird times
    [/COLOR][/CENTER]
    • leonard99
    • By leonard99 3rd Nov 15, 6:28 PM
    • 5 Posts
    • 2 Thanks
    leonard99
    • #5
    • 3rd Nov 15, 6:28 PM
    Do I contact the Debt Collection Agency or the Lender?
    • #5
    • 3rd Nov 15, 6:28 PM
    Hi All,

    Firstly thanks for a great thread.... so much useful info on here so apologies if I have missed an answer to this question.

    I was declared bankrupt in May last year and am following the guide on cleaning up my file... only issue that 2 of my creditors have sold my debt to debt collection agencies. So do I contact the original lender or the agency asking them to correct the default date and settlement status?

    Any advice greatly appreciated!
    • IF
    • By IF 3rd Nov 15, 7:40 PM
    • 34,276 Posts
    • 87,523 Thanks
    IF
    • #6
    • 3rd Nov 15, 7:40 PM
    • #6
    • 3rd Nov 15, 7:40 PM
    Will do my best to help sweetie.
    Originally posted by tigerfeet2006
    Thank you TF

    Hi All,

    Firstly thanks for a great thread.... so much useful info on here so apologies if I have missed an answer to this question.

    I was declared bankrupt in May last year and am following the guide on cleaning up my file... only issue that 2 of my creditors have sold my debt to debt collection agencies. So do I contact the original lender or the agency asking them to correct the default date and settlement status?

    Any advice greatly appreciated!
    Originally posted by leonard99
    Hi leonard99, please could you start a new thread on the BR board, you will get more support, replies as your post may get lost on here.

    Best wishes
    IF
    "If wishes were horses, then beggars would ride"
    • dojoman
    • By dojoman 4th Nov 15, 9:57 AM
    • 11,909 Posts
    • 17,194 Thanks
    dojoman
    • #7
    • 4th Nov 15, 9:57 AM
    • #7
    • 4th Nov 15, 9:57 AM
    Good morning everyone on the nice new shiny thread
    B&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
    • IF
    • By IF 4th Nov 15, 10:30 AM
    • 34,276 Posts
    • 87,523 Thanks
    IF
    • #8
    • 4th Nov 15, 10:30 AM
    • #8
    • 4th Nov 15, 10:30 AM
    Hiya all
    "If wishes were horses, then beggars would ride"
    • IF
    • By IF 4th Nov 15, 4:47 PM
    • 34,276 Posts
    • 87,523 Thanks
    IF
    • #9
    • 4th Nov 15, 4:47 PM
    • #9
    • 4th Nov 15, 4:47 PM
    "If wishes were horses, then beggars would ride"
    • tigerfeet2006
    • By tigerfeet2006 5th Nov 15, 2:33 AM
    • 13,803 Posts
    • 29,885 Thanks
    tigerfeet2006
    Good Morning everyone.
    BSCno.87
    The only stupid question is an unasked one
    I now live in a country that is 4 hours ahead of the UK so you may now find I post at weird times
    [/COLOR][/CENTER]
    • dojoman
    • By dojoman 5th Nov 15, 6:48 AM
    • 11,909 Posts
    • 17,194 Thanks
    dojoman
    Morning everyone
    B&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
    • IF
    • By IF 5th Nov 15, 11:29 AM
    • 34,276 Posts
    • 87,523 Thanks
    IF
    Welcome to the Bankruptcy (BR) Board.

    Hello and welcome, many of the posters on here have been through bankruptcy, they will be able to help, advise and also offer you support. We do have posters who have/do work for the OR and Debt charities too.

    Written by fermi our board guide:-

    "Many people find that debt and bankruptcy is the cause or result of a period of great distress and anxiety in their lives. For some this can reach a stage where it is difficult to cope. So I would remind you that The Samaritans are available to help you through your troubles if the emotional side threatens to become overwhelming."
    The Samaritans - Click here

    Helpful Links and Information.

    To post your question go to the top left hand side of BR board and press the "New Thread" button as shown below:

    or


    And type in the Title to your thread. If your post doesnít get answered straight away please donít lose heart, itís often due to not being a 100% sure we would be giving the correct answer. If you find your post is not answered and itís on page 2, please Ďbumpí your post back up the board.

    We often ask you to post your SOA so we can see if you have included what you need to:-
    MSE SOA Calculator - Click here
    Select the MSE format at the end. Copy and paste onto your thread.

    * Blue text on MSE usually signifies hyperlinks, click on the blue links below *

    Please do read these threads and other threads on the BR Board, remember knowledge is power.

    For Ďessentialí BR info the ĎLook here firstí sticky by fermi.

    BR Friendly Bank Accounts ~ [Updated Sep 2012 re: Co-op Cashminder withdrawal]

    BR Abbreviations

    Beware of advice via PM.

    Assorted letters to creditors

    Reasons for your BR - 6.28

    Charities who help with BR Fees

    BR friendly home insurance thread

    CABmoney Bankruptcy Payment Order Calculator

    The IS Official Guide to Bankruptcy

    Bankruptcy NDL Guide

    Basic Bankruptcy Advice & Guide NED CAB

    Diary of a broken gambler

    IVA & DRO Board

    If you are new/old to this board and receive/see a comment that is not helpful or insensitive please donít let it put you off posting, often these comments are made by people who donít normally contribute to this board and donít speak for us.

    What to do if you get an insensitive or hurtful comment

    Best wishes on your BR journey
    IF and dojoman
    "If wishes were horses, then beggars would ride"
    • IF
    • By IF 5th Nov 15, 11:30 AM
    • 34,276 Posts
    • 87,523 Thanks
    IF
    Every now and then we have had a number of offensive and insensitive comments made on the BR board.

    What do we mean by this?
    A person that posts deliberately provocative, nasty or hurtful comments on threads is know as a Troll. They may be a person with no previous connection to the board, someone that has created a pseudonym to get their point made or a poster who has been a member here for a long time.
    If you should get such a comment made on any thread you post, please realise this comment is not directed at you personally so please ignore these nasty comments and continue to post here as normal because the majority of us really are a lovely bunch Ė ooops, modesty! That said there are different writing styles; some brief and some harsh but helpful. If you happen to read them when you are not going through such an emotional time, you may find you are not as offended. So if they have upset you please try not to respond angrily. Most people are simply trying to help.

    What should I do if I get a comment made on my thread?
    Firstly do not respond to the comment as this is invariably what the troll wants.
    To get rid of the offending post, click on the ďReportĒ icon at the bottom of their post, as shown below:

    or

    Fill in the form which will alert the MSE team, who will then review its content and deal with it as appropriate; sometimes even deleting the Poster by making their status PPRíd (Posting Privileges Removed). Remember, this site is an asset to so many people, especially those that feels like their world is falling in around them. There is a wealth of knowledgeable people here all willing to help, whatever you do, do not let the comments of one silly individual deter you from availing yourself of the knowledge base that is on offer here.

    PLEASE DO NOT LEAVE THE FORUM

    It is testament to the work that Martin has done and continues to do that so many people give their time, knowledge and experience freely to others; without judgement, to lift people out of the depths of their debt crisis


    PLEASE DO NOT LET THE ACTIONS OF THE MINORITY RUIN THAT
    "If wishes were horses, then beggars would ride"
    • IF
    • By IF 5th Nov 15, 11:31 AM
    • 34,276 Posts
    • 87,523 Thanks
    IF
    Morning from me too


    "If wishes were horses, then beggars would ride"
    • IF
    • By IF 5th Nov 15, 8:25 PM
    • 34,276 Posts
    • 87,523 Thanks
    IF
    "If wishes were horses, then beggars would ride"
    • tigerfeet2006
    • By tigerfeet2006 6th Nov 15, 4:01 AM
    • 13,803 Posts
    • 29,885 Thanks
    tigerfeet2006
    Morning everyone. It's the weekend for me Woohoo! Though I still need to go into work as we have the inspectors in next week and I need to make sure that my paper work is up together BOO!
    BSCno.87
    The only stupid question is an unasked one
    I now live in a country that is 4 hours ahead of the UK so you may now find I post at weird times
    [/COLOR][/CENTER]
    • dojoman
    • By dojoman 6th Nov 15, 8:35 AM
    • 11,909 Posts
    • 17,194 Thanks
    dojoman
    Good morning everyone
    B&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
    • IF
    • By IF 6th Nov 15, 9:24 AM
    • 34,276 Posts
    • 87,523 Thanks
    IF
    Morning, hope you're all doing the Friday ~ Wiggle ~




    Morning everyone. It's the weekend for me Woohoo! Though I still need to go into work as we have the inspectors in next week and I need to make sure that my paper work is up together BOO!
    Originally posted by tigerfeet2006

    Hope next week goes OK TW, I have my fingers crossed for you
    "If wishes were horses, then beggars would ride"
    • dojoman
    • By dojoman 7th Nov 15, 10:03 AM
    • 11,909 Posts
    • 17,194 Thanks
    dojoman
    Kalimera
    B&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
    • IF
    • By IF 7th Nov 15, 10:47 AM
    • 34,276 Posts
    • 87,523 Thanks
    IF
    Hiya Dojo, TF and all
    "If wishes were horses, then beggars would ride"
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