Mercers

k2nga

Nope and remember none of us set out wanting to go BR so dont feel guilty.

MercMan

‘Events, dear boy, events' as Harold MacMillan said once.

We have no control over our futures sometimes. Mine went wrong when was made redundant in 2005 and I'm still trying to get to the financial position I was then. So all the loans I got then can't be paid now so BR here I came (thanks to HSBC, so its not costing me anything!)

Dodger61

Or as John Lennon said. " life happens when you make other plans " Neverindebtagain, You say it doesnt feel right, but it is everybodys legal right to go BR. You have excerised that right. Dont feel guilty, because the alternative to BR doesnt bear thinking about. Remember the calls, letters, threats pre. BR. I am sure your life now is much better. Move on with your new life.

fiveyearplan

Also if the banks were more willing to negotiate sensible repayment options and not make so many charges many people wouldn't have to go bankrupt.

Deep_In_Debt

Don't feel guilty. Before my ex OH went BR 2 years ago, they hassled him constantly. He offered them a repayment plan which would have meant that they would have got ALL their money back by next year, instead his life was made hell, his only option was BR so now they receive a lot less than the full amount. If only they had been more accommodating in the first place...

MercMan

Exactly what I say. HSBC and I could have come to mutually beneficial solution, but they handed it over to Vertex who have issued BR proceedings so none of my creditors will get paid in full. Banks are so thick!!

Deep_In_Debt

Something I can't get my head round - why make someone BR and not come to some arrangement...? They lose out through BR. All seems a bit daft to me...but then that's me...!

MercMan

Exactly, it almost seems as if its pure vindictiveness. Still after tomorrow I'll be debt free.

dalip

Morn merc looks like we are the only two early birds:rotfl: except you are male lol.

Very best of luck for tomorrow i hope it all goes well for you.Dx

dalip

neverindebtagain wrote: »

Thank you for your quick replies.

Its been 9 weeks since I went br and I must admit now my husband is getting pestered it brings it all back.

One thing I find hard is how quiet it is, nobody calls for me chasing money and very rarely do I get any statements asking for money through, mainly the catalogues do this. I have had several letters from EVERSHEDS is that normal.yes i had loads from them. As soon as the original creditor smells a rat they sell your debt on quick. Eversheds is such a company that buys your debt at a fraction of the amount, in "bulk" and hopes to recoup some back:p .I just bundled mine up and sent them to the OR.

Can I ask a question which will probably sound stupid but apart from what the OR wants to take from me or punish me with i.e BRO/BRU is it over, am I know safe and debt free and the creditors not touch me.yes NIDA,they can not send anybody round,they can not demand anything,in fact they should not be having any contact with you whatsoever. You are debt free:D .dX

I cannot believe that I have had this debt for many years and now its gone. It doesnt feel right.

It takes a while but it does eventually sink in. When you have lived wth debt for so long it becomes a normal,habital thing. Bit like having a 8 seater table in a small kitchen,,you get used to dodging past it,seeing it there,eating off it. Then when you get rid of it the kitchen looks strange,feels strange but you do eventually get used to not having it there.

Not sure when i get my examples from,must have a few weird brain cells but i hope you get my drift:rotfl: