its hitting the fan

money_penny_26

hi everybody just wanting moral support...col an me are stopping paying creditors,cos we need to eat basically,i am so used to paying everybody on time.live in a small place,col just gone up to bank ..t.s.b.to cancel a direct debit,col strong on this i am not just so scared of them ringing up all the creditors.trying to justify this by with the money we would have paid one creditor we can eat this week.im rambling i know an i feel sad to type this when i read about many on here who have children an nowhere to live.hope time sees everybody through this. penny x

Holes_in_my_pocket

If your going bankrupt i would worry about creditors just hang up when they ring dont give name or date of birth

philnicandamy

Try not to worry about creditors (they dont care a *** about you) IF anyone calls just tell them your talking to cccs/CAB etc & you'll contact them soon

(either that or ignore them)

and if its all getting a little difficult....come here to natter

...My creditors didnt realise anything was wrong with me for a few months missed payments...by the time they'd started to send letters i'd gone BR


Your doing the best thing.....

sheba

Can't advise in anyway but I can send you hugs so I will, catch it 1,2,3... now!! Hope that helps, I know you'll get lots more (and practical advice) on here, but hey, you can never have enough hugs right?? Keep your chin up and remember you are more important than money so !!!!!! 'em- let them chase the MP's and banks to fill their coffers- girls' ( and boy) gotta eat.
x x x x

CJV_2

I know how you feel, we have always paid everything, never defaulted, but we just can't carry on, we cancelled our DD's this week and I have felt sick ever since. I have just filled in my SOA's and need some answers before it's finalised but can't get through to bankruptcy section of CCCS.
Thing is, we will get through all this, but right now I'm having trouble adjusting to the idea.
Can anyone tell me how long it took for them from handing in the SOA to the court to actually being declared bankrupt? Will I have to speak to a judge when I hand in the SOA?
Good luck to everyone going through it.
X

fatou256

if you want peace of mind unplug your phone or change your phone number .... so it will give your piece of mind in the meantime. good luck.

dalip

Yep same here penny. I always paid everybody,even robbing peter to pay paul...but they were still paid. I think the reality hits home when you start to miss bills and worry about phone calls. It is easy for us to say this..we have been there but it does not stop us and me from remembering those first few scarey wks after those first big steps. As others have said it does usually take a few wks or even a month or so for them to conatact and then it is not always via phone.

Take a deep breath and draw some strength from col. Keep going girl it will be worth it in the end.


I hope you treated yourself to something nice to eat....my treat to myself is a prawn sarni(£1.25 from tesco:o)and i love it......now and again:D
Dx

About_Time_3

I'm in exactly the same boat, everything has always been paid somehow, I canceled all of my DD's last week, I'm waiting for the phone calls, I've already had boat loads from capital one, but I'm ignoring them, or rather a nice little app on my mobile is ignoring them for me

cuddlymarm

Hi

Just sending you some hugs:grouphug::grouphug::grouphug: Once you make the decision it does get easier. Don't upset yourself over the phone calls because it may take a few weeks before they even notice you aren't paying. My advice would be to seek advice (because when you go to court the judge might ask) and also you will find that once you do you will feel better.

Can I ask if you have contacted the court yet cos some courts have waiting lists. I booked my appointment for Bristol over a week ago and it isn't till August so you might have to wait for an appointment and in my opinion once you have made the decision plan and get on with it. And then the rest of your lives.

Good luck
Cuddles:rotfl:

money_penny_26

awww so nice to get replys.we all in same boat arnt we. it so good to come on here,as i have told 2 people an had replys i did not like from both of them,e.g.well you shouldnt have spent so much should you..an another said its ok for you GETTING OUT OF PAYING DEBTwhen she has to work an struggle..i said to her well if its that bad for you ..go b.r. i had to laugh as she spluttered. so i dont tell people now.so its good to have a wobbly on here penny x

CJV_2

cuddlymarm wrote: »

Hi

Just sending you some hugs:grouphug::grouphug::grouphug: Once you make the decision it does get easier. Don't upset yourself over the phone calls because it may take a few weeks before they even notice you aren't paying. My advice would be to seek advice (because when you go to court the judge might ask) and also you will find that once you do you will feel better.

Can I ask if you have contacted the court yet cos some courts have waiting lists. I booked my appointment for Bristol over a week ago and it isn't till August so you might have to wait for an appointment and in my opinion once you have made the decision plan and get on with it. And then the rest of your lives.

Good luck
Cuddles:rotfl:

I have just emailed the court to find out how to move forward, did you call a general number? I have had some advice from CCCS and they have been very useful, but can't get thru to them now and need info desperately!!!:mad: