right my turn can you comment on my cause of br please

DON79

yeah I got lots of hand downs from my sis in law, she had her lil boy four months before me, so was great did save loads of money and then I still had all the clothes when baby 2 came along. I still get clothes, both my boys are actually in same size clothes now! first boy small for his age and second boy big, so I get twin comments a lot! :rotfl: especially when they are side by side in the pushchair.

sorry, am getting off the point now.

lisamummytoarchieplusbump

right ive just added the bit that lilybart suggested does this sound better

Shortly after the birth of my daughter in september 2008 i finally found the courage to contact the CCCS and the Citizens Advice as I knew I had to do something I couldn't go on like this with the price of everything rising I was going to struggling even more, and come to the conclusion that bankruptcy was my only option to be able to get myself out of this mess. I fully understand the seriousness of bankruptcy but with little income and no assets I am unable to pay back the amount of debt I owe.

also lilybart and don79 i dont know how or where to add having PND. i had pre natal and post natal depression. i did get prescribed anti depression tablets but didnt like to take them as they made me feel abit high i also had depression as a teenager and sort of relied on them ( i sound like a nut case).

i started to feel better and more confident about being a mum and about myself when my son was about a year old

DON79

I would put something like - "at this time, I did hit a low point and I did not realise at the time that I was suffering from post natal depression. The effect of this was that I did not deal properly with my finances and simply kept trying to live as best as I could and provide the necessary food and clothing for myself and my baby. It meant I was using credit cards for the essential day to day needs. I got help from the Doctor and it took me a period of ... months to recover fully and be able to begin to deal with my debts"

I am not too sure where to slot it in though.

I am sure I had a touch of PND after my second baby but I didn't want to admit it to anyone, not even my health visitor. I was so edgy and got upset over the teeniest things and had really bad mood swings so I don't think you sound like a nut case at all. PND is still not taken seriously enough I think.

glad you are feeling better now though.

lisamummytoarchieplusbump

thanks for that don79 that was worded great

do you mind if i nick the whole lot?

so far touch wood ive been fine with my lilliebubs. it did spoil so much of archies early months as even the slightest friendly comment sent me wanting to crawl into a tiny hole and hide away. so i think thats why im soaking in every moment with lillie and archie now as learning from archie they change so fast. i admitted having baby blues but didnt admit to anyone i had PND till archie was 7mths old i think as i was scared people would think i was an unfit mother for not being able to cope mentally.

but everythings all good now. thanks

DON79

don't mind if you have the whole lot, whatever helps out!

thats my trouble, on paper, I can say it great but put me in front of the OR and i will be a blubbering wreck!

lisamummytoarchieplusbump

im just worried as nearly all the spending was done after i had my son so to the OR it would look like i wasnt working but was still spending so i might get a BRO as it looks like i had no intention of paying back but i did keep up the payments up untill a few months ago. as at first i stopped paying to get them to a dca so then i would be paying the balance instead of just interest but things dont go to plan as i was so behind in other bills and having lillie all my spare money was going to the kids. i did put down the reason for spending on cards as general spending as i have nothing to show for it. i wouldnt mind my house is a mess ive only decorated 1 room which is the kids room, so wish i had spent it on a new telly and furniture really, at least id have something to show for it.

LilyBart

Lisa,
Please stop fretting. Everyone still spends while not earning when they've just had a baby. This is not a BRO-worthy offence. You did not set out deliberately to obtain credit you knew you could not repay. You were simply surviving as best as you could. You've since taken advice, and have been doing everything you can to prepare for bankruptcy. You're not a criminal, my love.
Lily

lisamummytoarchieplusbump

thanks lilybart. im abit of a pessimist so if i prepare myself for a smacked bum from the OR then it comes to no supprise to me then. i am trying to be abit more optimistic. well only 19 days to go till its all over with

DON79

Hi Lisa, I did the same when on maternity leave and I feel the same, got nothing really to show for it. no new sofa or nice new kitchen or immaculate bathroom when I could really do with all those things (especially new shower as one have got has melted :eek: ) and I just keep thinking I have been a total idiot and I could have had a gorgeous house with what has been spent and not having a clue where it all went.

I am preparing a bit for the worst too. but I am sure that you will be fine, please try not to worry so much. Once its all over, you can get back to normal.

You can't be punished for surviving which is what had to be done.

It is the people who have the expensive tv's and expensive decorated houses with the extras hidden away that the OR is really interested in pursuing!