I feel so invisible

tigerfeet2006

I am sure you will be fine. Just have a read of some of threads posted over the last couple of days of peoples experiances in court, hopefully it will reasure you some.

chunkyu

i'm still unsure what to put in the reason box, why am i filing for br?
some people have said that i should keep it short and sweet, and some say i should go into detail, who do i listen to?

skylight

Chunky, what do you want to put in this box? Its your chance to have your say about matters. Bear in mind there are only so many characters you can fit in! And you can elaborate during your OR interview.

I would say short, sweet, factual and precise. Says she who used all her characters up......

chunkyu

i posted what i was going to put, but others said i should cut this and cut that. i got confused. they said i shouldn't put certain things in. the reason im in this mess is down to bad judgement and job situations. i had every intention to repay but circumstances went other ways.
i guess im just scared that i'll get in a tiss at having to explain why im in the mess that im in, and that they will reject the br. would they do this?

jammie1

I wrote mine and then posted on here for people to comment on, which helped me get things right. Write what you see as the reasons and then perhaps post it here and people will be able to point out what is unnecessary or what is missing. Mine ended up as four short paragraphs.

chunkyu

where did it start going wrong?

i think it was about 9/10 years ago i took out a loan with my then girlfriend except that i had it in just my name, at the time i got the loan it was for improvement to the house and for driving lessons and a car. then a few months later we split up an i was left to pay the debt on my own. i was doing agency work which wasn't regular hours by then and started to struggle. I then applied for a couple of credit cards and got them intially to help me out which i know was silly now, but ended up relying on them more and more.
Then to top it off i lost my job i ws naive and didnt read the paperwork that came with the loans and credit cards. and didnt relaise that i was covered by payment protection. and of course i was getting charges and penalties incurred, no one had explained it to me.
So again i was struggling even further I applied for yet another loan to try to sort the debts i had already accured and was accepted to my disbelief but even with my good intentions work wasn't giving me the hours and i was relying more and more on the loan for my day to day needs.
Istarted to panic when i started gettig the letters and phone calls threatening legal action against me. I admitally started burying my head and running away from it thinking that it would all go away.
Eventually i faced up to it and contacted the companys and offered a small amount which some accepted, some didn't. I continued along that path for a while then went into a debt management programme where i was paying £100 a month by then i was back in regular work then just as i thought things were getting better i was told that i needed to find other accommadation, and had to move into some where more expensive, so i had to stop paying into the debt management programme.
I didnt know what to do or where to turn people were telling me it was my fault and i had to sort it myself.
I wasthen at a very low point in my life i'm not sure of all the debts i have run up.
In 2004 i started a new relationship and got into another dmp where i was paying £150 per month, i was in a steady job everything was fine, but in november 2006 i was dianogsed with depression had a bit of time off then my relationship ended in early 2007, i lost my job, and pretty much everything, i was living in boston lincs at the time and had to move to peterborough to live with my sister, i left with nothing, no job, no money as i was stupidly having my wages paid into my ex girlfriends account so had no cash coming in. icouldnt pay into the dmp again. i had to sign on for job seekers allowance and find somewhere to live as my sister could only put me up for a couple of weeks. i eventually found somewhere but the rent was high and with no job i was already in arrears with the land lord though thankfully he was understanding. I managed to get a job but was only able to get a few hours a week enough to cover my rent and food and travel costs.
I got in touch with the citzens advice beareu abot whati should do and they advise me with the amount of debt i have and with my level of income that i should go bankrupt, i also called payplan and they also advised the same.
This is not a decision i have come to lightly but feel that it is only the only way i can have a fresh start, i have made mistakes. and i hope i have learnt from them, i will not make the same mistakes again. this is why i've decided to go bankrupt

is this what i need to put in the reason box?

Lightattheend

I was also told that dates were useful to add, for me it was things like when I was made redundant, fell behind with the mortgage etc. Mine ended up quite long, about a page I think. I've got my OR interview on Thursday so fingers crossed I've put in enough to make it a short interview!

skylight

It sounds fine. As light says, add in some dates - doesn't have to be exact, so mid-2006 for example would be fine.

Your explanation tells you where you started, what you did, importantly how you tried to get out of the mess, didn't work, sought help and here you are today. And the added apology (I did that too...)

Its all AOK. If thats what you are happy with, then thats what you should put.

skylight

And they are not going to reject your BR for getting into a tizz.

They reject if you are not insolvent, that sort of thing. Not because you are worried and get into a flap - cricky, that would be most people through the courts doors! We've all had these butterflies and they quickly disappear once its over and you wonder what the fuss was all about.

chunkyu

thank you, your all so great on here