BR booked for 6th Aug 10am ....

DEBT_23

ok to i have just rang my local crt and booked in for 6th aug. fees 495 plus 3 copies of the forms all complete.
the lady on the phone was very nice to me.... thats something i wasnt expecting.

what next ?! Im Soooo scared.. my folks are away til the 8th was hopin i wud of been in and out of paper and BR while they was away.. no such luck

I feel like i have let them down. had a mortgage since i was 18 i feel like a failure at 23.


Im viewing a house this afternoon thats rented, i persume its best to be in for the beginngin of august ?!
its 400 deposit.. they wud want tht asap i persume to secure it for the end of july.

I have a 28 suspeneded repossession on my house due to me missin payments a while ago..( back out of BR last minute) . So i could only miss aug 1st payment and they would had 28days from then..best to get out for 1st aug..isnt it?

I feel like a bloody idiot 20k unsecured and 10k secured at 23 and what do i have to show for it all.. NOTHING..

startin a fresh in whats keeping me going.

dalip

You could ring the court and ask if there are any cancellations would they consider you.Might be worth a try.D

DEBT_23

she said that was the earliest they had.. i may try them next monday and ask them.

Trollfever

I feel like i have let them down. had a mortgage since i was 18 i feel like a failure at 23.

As somebody who has seen all this before, pass the word to your friends that house prices can go down as well as up.

dalip

DEBT_23 wrote: »

she said that was the earliest they had.. i may try them next monday and ask them.

Yes but what i am saying is bit like the doctors,if somebody decides(like i think you did;) )not to go bc and cancels their date,then you could have their appointment.If they are aware you are all ready and can go at the drop of a hat then it might get done sooner.D

skylight

I would suggest getting yourself re-homed first as the priority. Once you have gone BR and new LL/Letting Agents do credit checks you could find yourself looking at a 6 month bond (6 months upfront etc) so get it out of the way ASAP.

Plus getting into a new home is a bit more settling.

DEBT_23

skylight wrote: »

I would suggest getting yourself re-homed first as the priority. Once you have gone BR and new LL/Letting Agents do credit checks you could find yourself looking at a 6 month bond (6 months upfront etc) so get it out of the way ASAP.

Plus getting into a new home is a bit more settling.

already onto that.. im viewing a house for rent at 1pm today its already vacent so i will sign today and arrange to move in over the next 2 weeks before i go BR.

when do i hand my keys back or do i not til im BR.. do i just give the OR my keys . ??

k2nga

Im guessing the OR will go through all that once you are BR so i would not worry about that right now. I know what you mean about parents as i still have not told mine and do not intend to and there is no real reason for them to know about it.

There are a few stories of people's experience of court on here and i dont know if its helpful but here is mine: http://forums.moneysavingexpert.com/showthread.html?t=1012833

You will be fine on the day and in a strange way you kind of enjoy it.

I was like you and felt a failure and i had fought with my debt for 15 years but i think my real failure was not doing something about it sooner to be honest.