Early discharge on a VERY big debt

LesleyL_2

hi all,

most current posters wont remember me, Ive not been around since March but wanted to come by and tell of my ED on 5th Aug, 6 months to the day from BR date :j :T

I had a HUGE debt and like many other posters I see, I always thought I would be penalised much harder than others with lower debt and it was that that made me delay the BR so long and make it much worse for myself in terms of worry and making the pain last longer than it needed to.

So now I can safely tell others, the size of the debt doesnt affect the possibility of it all being over very quickly. Like others here, mine was life circumstances causing hell to my financial life and obviously on investigation, the OR realised the truth of that so my reason for coming back today is to say please do not be put off from doing the deed merely by the same thoughts I had of how much you owe. It's only part of the story for most of us.

Good luck to all who are currently going through this horrible experience. From someone who is coming out the other side, I can promise it only gets better

And final thanks once again to all those who were here to help me through
with special mention to Richard S, DebtDoctor, Fermi and Tigerfeet.

Best Wishes
Lesley

dalip

Well done lesley and congrats on the ED.Alway nice to hear how people get on after bc.D

debt_doctor

Hi LesleyL,

Good to hear from you again, and glad to see everything worked out for you !:T :T :T

Best,

DD

fiveyearplan

6 months -not bad going! It sounds as if you're rebuilding your life. Congratulations.

fermi

That is fabulous news!

I'm really pleased for you.

That should give those fretting over the size of their debts some reassurance.

finito

Lesley,

There's hope for me yet then!! Went BR some 4 months ago for over 150k of unsecured borrowing!!

Did the OR write to you before the ED to ask for a new SOA, or where you just written to and told you had been given ED?

Merry_Gentry

Thanks so much for sharing that :grouphug:

cazjenki

Congratulations :beer:

LesleyL_2

finito wrote: »

Lesley,



Did the OR write to you before the ED to ask for a new SOA, or where you just written to and told you had been given ED?

hi Finito

I got the usual letter saying they were considering me and I had to complete a new Income and Expenses, got that in early June just about 2 months before the ED. For me, the I&E is the same as it was in February so made it easy.

thanks to everyone for the good wishes

Lesley

southernbouy

well done Lesley, i went for £189000, yes thousand unsecured debt, had to do a full year for auto discharge, kept my car, house, no IPA...the only downside is I cant get a proper bank account...small price to pay i think but will have one and a mortgage within 2 years Guaranteed!!!!!!!!!!!!!!!!!!!!!!!!

bubbles_bonbon

Phew, what a relief it must be.

I've just been made BR so I have it all to look forward to, but thanks for the post. It helps me to read something positive.