To go BR or not??

imcognito

Well I logged onto online banking to cancel my Direct Debits today... feels a step closer now. Scary I am getting flutterings at the thought, I have NEVER in my life even been late for a payment and now this I just feel soo weird???

But I am a bit cross DH promised me he wouldnt spend money willy nilly anymore yet it seems from online banking he has psent over £100 SINCE the weekend! !!!!!!???

I think some may be diesel and possibly a tenner for parking (can reclaim from work) but thats not the point what about the rest of it?? wHATS IT FOR?? I am on the verge of

imcognito

grr cut me off halfway thru!!!

Where was I...

Verge of phoning him at work, but then he can never talk and will just make some crap excuse I am sure...

I know he is the one out there earning the money but I am the one going BR!!!

At this rate of spending he will be BR too and where will that leave us with our house??

I wanna SCREAM!!!!

I am taking his card away tonight I think.

So Angry

Richard_S

imcognito wrote: »

grr cut me off halfway thru!!!

Where was I...

Verge of phoning him at work, but then he can never talk and will just make some crap excuse I am sure...

I know he is the one out there earning the money but I am the one going BR!!!

At this rate of spending he will be BR too and where will that leave us with our house??

I wanna SCREAM!!!!

I am taking his card away tonight I think.

So Angry

Hi imcognito,

Don't forget that being in debt is a nightmare, and having to consider bankruptcy is even worse. It takes a truly awful toll on relationships, and you have to allow each other some "slack" or the whole thing will just drive you apart.

I've been posting on here for over two years and I've seen too many relationships irrevocably damaged by the stress and heartache.

Try and agree some spending restrictions between yourselves. Set a budget and agree to each of you keeping a spending diary, but please don't let this come between you.

And there is the indisputable fact that you gals are almost always mentally stronger than us poor feeble guys.;)

Regards

Rich

imcognito

Richard_S wrote: »

Hi imcognito,

Don't forget that being in debt is a nightmare, and having to consider bankruptcy is even worse. It takes a truly awful toll on relationships, and you have to allow each other some "slack" or the whole thing will just drive you apart.

I've been posting on here for over two years and I've seen too many relationships irrevocably damaged by the stress and heartache.

Try and agree some spending restrictions between yourselves. Set a budget and agree to each of you keeping a spending diary, but please don't let this come between you.

And there is the indisputable fact that you gals are almost always mentally stronger than us poor feeble guys.;)

Regards

Rich

thanks I forget he is just a man!! LOL!!! I just not sure he realises how serious this is, just maybe blocking it out. I think because I have said we wont (I hope) lose the house then that is his main worry out of the way...

Perhaps if it was him he would get message! Lets hope it doesnt come to that, and we can work at paying his debt off over the next 2 years.... I wonder what a good budget is?? I was going to keep my Child Benefit Monay and use that for the kids treats (soft play and a happy meal once a week heehee!! and the leftover for me Then when we get more for baby 3 pay that to his debts. Maybe whatever I have left after paying for kids stuff he can have the same to buy beer and sky sports! ?? As long as he has a beer and football on he is a happy chappy

He has had to go into work now, which will bring in a few hundred ££££ so I really shouldnt moan should I?

so I am going to make a cup of tea and eat a bar of Galaxy (he bought it!!! ) then go to bed and read my book.

Thanks for making me see sense and not go off on one at him, he dont deserve this. Half of his debt (25K) was mine anyway that he consolidated, had he not done that it would be in this BR so I suppose I should let up a bit.. and he is going to pay my car

deedee_3

When you have gone bankrupt and things are sorted with you go over to the Debtfreewannabe board and get their advice on dealing with your DH's debt. With a their help you will soon be able to get rid of the outstanding debt.

imcognito

Hi!!

New Day New Question!

Have noticed a couple of posts where people have said the OR will ask for 2 years of paperwork?? Is that right?? I dont have it?

At MOST I have a year? Most of my bills are online and a lot once I have checked they are correct I just get FIL to shred as I dont have storage space for years of bills. When we moved here he got rid of most stuff so I think I only have stuff since last August at the earliest. Tho I think I might have loan agreement somewhere

Willt his be a problem?

Thanks!

philnicandamy

The OR can go back as far as 5yrs (although its not common unless you've been very naughty!) give the OR what you have anything missing they can easily source themselves so dont worry too much about it

imcognito

philnicandamy wrote: »

The OR can go back as far as 5yrs (although its not common unless you've been very naughty!) give the OR what you have anything missing they can easily source themselves so dont worry too much about it

Oh God what If I have been naughty??? Whats classed as naughty lol???

I will try not to owrry about not having paperwork though Thanks

philnicandamy

imcognito wrote: »

Oh God what If I have been naughty??? Whats classed as naughty lol???

I will try not to owrry about not having paperwork though Thanks

try not to worry....naughty? hmm hiding assets hiding cash preference to creditors...all serious stuff really

imcognito

philnicandamy wrote: »

try not to worry....naughty? hmm hiding assets hiding cash preference to creditors...all serious stuff really

OK I have no assets (I dont think I can class my house as one bing in NE!!) and the only preference I have is my car on HP so I think thats ok.. allright Im relieved :rolleyes: an Angel me :A

thanks!!