Creditors not helping

betterlife2009

Hi Startagain

Thanks for that

How much did you go BR for if you dont mind me asking

blind-as-a-bat_2

peka2k wrote: »

Yeh fook them, how dare they want thier money back.:D

.

Hmmm you may have missed recent events peka, but if the debts are with a big bank it was never there money in the first place.:rolleyes:

they lent what they didnt have, It never actually existed, hence the need for a govermant bailout:D

startagain_2

betterlife2009 wrote: »

Hi Startagain

Thanks for that

How much did you go BR for if you dont mind me asking

Course I don't mind - I am an open book..... £16k and there is an old Statute Barred debt for £4k......
I really do think the amounts aren't particularly relevant.....it is whether you can afford to pay them back or whether a DMP or IVA is viable. For a lot of people it just isn't and BR is the only option. I was one of them.
When I looked at some of the posters on the DFW board paying off £2k a month I felt a failure before I started. After outgoings my surplus is £90 a month. Go figure......

So there you are.....

startagain_2

peka2k wrote: »

Some of us with no common sense or knowledge are paying over 750 a month. I must be thick me eh?

Yes thick enough to get reported for abusing the board...... Go away!!

maxmycardagain

betterlife2009 wrote: »

Sorry to be a pain again

Tried CCCS advice and rang a few of my creditors today explaining the situation that I dont have anything left after paying essential bills

Offered the token £1 till things improve

Was basically told to P Off by a few
One even said that if i dont come up with a suitable payment arrangement they are selling my debt on in the next 4 to 5 months

Greedy Greedy Greedy they have already charged me 29% interest over the past 10 years

Looks like Bankruptcy is my only option but scared of that

good of them to give you a target date....:rotfl::rotfl::rotfl:

betterlife2009

maxmycardagain wrote: »

good of them to give you a target date....:rotfl::rotfl::rotfl:

I Know

Going to hopefully try for bankruptcy date either end of next week or week after as my court has those dates available

Just need to pull together the costs and get my bankruptcy forms checked by cab or solicitor

Just cant cope with the stress and the bills anymore
x

badgermum

hiya betterlife,
It's such a shame some people are so quick to judge someone who has got into such a difficult situation through trying to run a business that BR is their only real option,
It must be lovely to sleep at night with such a clear conscience it's been so long since I've been able to sleep properly with all the stress and worry that I cant remember.
Good luck betterlife with BR xx