Anyone going through this alone??

jellygirl_2

keepmyhouse wrote: »

Ive had my house on the market for over a year, not one viewing, I cant see the OR having any more success, and surley he wouldn't sell it below what I owe????? Theres no sence in that x x

Wouldnt have thought so coz there would be no money for creditors and I thought that was the point of them trying to sell houses. Prices aint going up anytime soon so hopefully you should be ok:)

jellygirl_2

Lensman wrote: »

Going barking mad is not an option. End of story.

Nobody deserves to feel like that, no matter what their situation or responsibility for it.

You need to know what substance lies behind those letters jellygirl. Very little is the truth. Have a good read of previous posts and get yourself "the knowledge". Once you do, you can read them for what they really mean. Write effective letters to deal with the worst bullies. And know exactly what they can and cannot do.

You need to feel a whole lot better about getting home in the evening and opening a stinky letter or two.

Keep your chin up. And know that the way you are feeling now is just not acceptable. All the resources you need are here to get it sorted.

Jim

Thank you thank you thank you:D Im getting as 'knowledged' up as I can from the help on here and feeling a lot better, thanks:)

jakjo

I hope you are ok there. I am on my own too and to be honest the bankruptcy has given me the relief that I can go and develop other areas of my life. It has been such a weight off my shoulders! The opportunity to start again and all brand new is such a great one. Good luck you!

startagain_2

jakjo wrote: »

I hope you are ok there. I am on my own too and to be honest the bankruptcy has given me the relief that I can go and develop other areas of my life. It has been such a weight off my shoulders! The opportunity to start again and all brand new is such a great one. Good luck you!

I so agree with you here jakjo....

Even though it is less than 2 weeks, the freedom that BR has given me is amazing. I actually have a small amount of spare cash that isn't earmarked for a c/c bill.
I can at last think about doing something other than eating.sleeping and working.
Mentally and physically as well I am so much stronger.
Much Happier Times!

SA

Flame7

I just wanted to say that I went through my bankruptcy proceeding alone too. Its hard when you don't have support from those around you, in fact my mother was thoroughly disgusted with me for going BR so I had a lot of criticism from those around me. I remember walking into court on my own feeling like the lonliest person on the planet but I gained a lot of strenght from it. However, I'm now 10 months down the line and I have to say it was the best thing I could have done in the situation. I now have my life back on track and even my mother can see that it was necessary now.

Wishing you the best of luck

xxFlame7

haleygrey

Jelly, im on my own too, have 2 children, a cat and dog, but its not the same as having someone to lean when things get tough, but not to worry, you will get through it and you will be stronger and once you have the worry of debt more or less lifted, you may find that things start happening in other directions. anyway as you have now discovered ' you are not alone'

good luck haley

bunnygirl007

Hi Jellygirl

Thanks for this thread. :j I'm on my own too - well except for my son. I'm all over the place with my situation, knowing I need to take some serious action but at the moment like a rabbit in the headlights!

Just came home tonight to find out the bank have rejected a DD for £55 and added charges totalling £135 to my account sending me over my OD limit so will be incurring more charges until I can bring it down. Still have a week till pay day. If they are going to start doing this I am right up the *****. I was trying to hang on until I had paid my car off (approx August) but the news I've come home to tonight suggests I'm not going to be able to hold off the inevitable that long. That said I haven't defaulted on anything - yet!

Have you started your BR proceedings or still thinking about it? I think I would prefer to do IVA if possible to lessen chances of losing my car and also certain people finding out. How do you decide between them or is that done for you?

Hope you don't mind me latching onto your thread. Its good to find someone in similar situation and also early stages. G*d its scary though isn't it?

ANewEra

Hi, I'm doing this on my own too, only three people know, my ex (who even came to court with me which was nice and supportive) and my best friend and her hubby. I found it all a bit daunting filling in the forms and getting all the info together, but I also have a big sense of achievment in coping with this on my own. Have been BR for 6 weeks (tomorrow!) only 46 to go! I found this site after I had been to court, I wish I had found it sooner as there are many friendly knowledgable helpful people on here.
Before this, I used to dread coming home from work and opening the letter box, I'd feel sick before I even read the letters, and was sometimes scared that the threats of coming round would happen, was also scared of them taking things - I dont have much to take really, but my little boy has a small tv and I have a laptop and car, which as far as I thought might have been considered 'luxuries'. But the OR said I can keep the car as I drive about 40 miles a day to work and back, which was a tremendous relief. One thing I find hard about doing this on my own is not talking about it, I don't really want to burden my friend and although my ex and I get along fine I dont really do the whole 'talk about my feelings' with him - dangerous ground! So it all gets bottled in your own head which as we all know can make things ten times worse! Although I dont post much on here (I have my diary but not much happens to write about!) I do enjoy reading the posts and have learnt so much from this, and also dont feel quite so 'alone' in all of this.
Thanks everyone!

shirleymarye

I am also on my own and I was 70 this week and a pensioner.
For 2 weeks over the xmas period I was entirely on my own when I started looking at this forum and it was invaluable to me because I was able to talk to people about things and I also learned a lot.
Both NDL and Payplan advised me to go BR which I haven't done yet,but I have written to all my creditors and asked them to consider writing my debts off in light of my age and low income. So far I have had heaps of phone calls which I refuse to answer and loads of letters,I have had 2 favourable ones from Barclaycard and Monument regarding what I owe them,so hopefully the others may follow through. Thought I would try this first before going for BR,as I now realise that it costs money to do the BR so thought maybe one of the creditors would do it for me ! I live in Scotland where the rules are a little different so it was worth a try ! I have had my car repaired this week so at least I can now use it and if I am asked to sell it I will point out that it is my only asset and I might need to hang on to it in case I pop my clogs to pay for my funeral ! Cheerful aren't I !
Next week I will take all my papers along to CAB and see what they say.
The thing is if the Abbey had paid me the £7000 they owe me I wouldn't be in such a mess now! I suppose I have said if you wont pay me then I can't pay you ! (Long story folks) I am so pleased that this forum exists because if you are alone it makes it worse not having anyone to talk to about things.
At least I am sleeping better at night now and not constantly worrying about paying every bill that comes in the door.

So_Sad_Angel

shirleymarye wrote: »

I am also on my own and I was 70 this week .

Hi Shirley,

HAPPY BIRTHDAY Honey!!!!:beer:

Well done on writing to your creditors to see if they will consider writing off some debt....its a great idea & in the current climate well worth trying!

Good Luck on CAB meeting & let us know what happens.

Angiexx

ps - great thread Jellygirl...its good to know that even if we are `on our own` that we are not really `alone` (if that makes sense) & that there are always people on here to `talk to`. :j