Query 2 - BR Forms

completemess

Hello again

Just doing creditor section. What did/are you all putting down for dates under creditor section?? Things like my overdraft and various credit cards I have had for years, what should I put for date accrued?

Thanks in advance, don't know what i'd do without this forum x

completemess

Also under 'what was the debt for' how is the best way to word day to day living, robbing peter to pay paul???

lisamummytoarchieplusbump

hi completemess i just put general spending on my credit cards and told the OR the same thing and it was accepted. i put the date i took the cards out well couldnt remember the exact month so just put a rough month as in i put jan as it was before my son was born he was born in may and i knew it was as few months before then so a rough guess really, but they check all that anyway

hope it helps

lisa

dalip

Query 1) just put a rough date. I went onto experian and got all my dates. But not until after i went bc:o so just told the OR the correct dates. I was way out on a few:p

Query 2) yes general living ,clothes,holiday:o whatever it went on!

startagain_2

Hi completemess,
I can only tell you what I put on my forms-
for dates I put the date when the cards became active and the overdraft was first authorised - even though it got bigger and bigger over the years. Mine goes back 7 years!
I have put general expenses, housekeeping, and balance transfers as my answers for "what was it for"....
as max told me - no drugs, drink or loose women!
HTH
SA

dalip beat me - yes get a credit report from Experian - £2 tells you everything !

completemess

Brilliant thanks Lisa. Some of my credit cards I have had for years and years - it really would be a guess. Will be glad when the forms are complete.

Panicking a bit because it looks an awful lot of money when listed down - eek!!

lisamummytoarchieplusbump

and with my OD ive had it for years so just put a rough guess and rough year as ive had 2 kids since then my brain is mush. finding nemo is on to entertain kids while i do housework(works a treat but no good for stimulating my brain)

dalip

Mine went back 18 years:eek:

completemess

What did you put down Dalip??? I really would be guessing xx

lisamummytoarchieplusbump

yeah same here i only thought i had 5k but it wernt till i had all the paperwork infront of me that i had over 7k. ive got nothing to show for it other than grey hairs and a trampoline. i got to the point i was paying the minimum payment on one card waited for that to clear then paid the other card so i didnt get hasselled and late fees added.

peter got robbed blind to pay paul and even borrowed off a tom inbetween lol

startagain_2

Me too - I seemed to be switching between one card and another for months, barely able to meet the minimum repayment - crazy really, but I was so busy trying to stay afloat I din't take in the real horror of it all.