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A big thankyou to all who have helped me on this forum

thatsyourlot
thatsyourlot Posts: 189 Forumite
edited 26 June 2009 at 4:03PM in Bankruptcy & living with it
Hi,

I just wanted to thank all & sundry who replied to my posts.

I have managed to fill in my BR forms online & on Monday will be ringing my local court to see when they can fit me in, so that I can petition it all.

It looks like I will have to cease my online business (im self employed) which I am so sad about as I have put my heart & soul into making a go of things with it but if its making a loss, theres no point in going on anymore.

I will have approx £150 surplus at the end of each month & so I am expecting an IPO but I really dont care about that, I never wanted to NOT pay any of the debt back that I have racked up, so £150 per month towards it all is a damm sight better than the £1590 I have been struggling to pay each month (robbing peter to pay paul)

You guys on here have all made me feel so welcome & eased my mind so much.

I will let you know how it all goes with the BR & afterwards.

Good luck to all that are starting out on the journey.

xxx
«1

Comments

  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    Good luck TYL you sound very positive....look forward to updates of the "big day"

    (only after the £150 the OR will not take it all....just a percentage)

    IPATable-small.gif
    We all die. The goal isn't to live forever, the goal is to create something that will
  • So_Sad_Angel
    So_Sad_Angel Posts: 7,363 Forumite
    Hi TYL

    Good luck on Monday....I hope that when you call on Monday you will not be waiting too long.

    Keep posting Hun.

    Angiex
  • dalip
    dalip Posts: 7,045 Forumite
    Yes TYL i had a suplus of £119 and my OR took £50. Good luck lets us know when you get that all important date.Dx
    Free impartial debt advice available from: National Debtline - Tel: 0808 808 4000 | The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111 | Find your local Citizens Advice Bureau
    Laugh at yourself and others laugh with you.Laugh at others and you laugh alone. BSC No 107:D
  • Good luck with Monday. Don't forget we are here after it's all over to help with questions we might have to ask you, lol.
    :rolleyes: Money Talks ...
    but all mine ever says is Goodbye! :rolleyes:
  • thatsyourlot
    thatsyourlot Posts: 189 Forumite
    Ahhh thanks guys!!!

    To be honest I will feel guilty if they DONT issue an IPO on me. I know that may sound daft but its me that got in this situation, so I actually want to pay something back...even if its only a wee small amount.

    How silly do I sound...lol

    When I rang our local court last week to get them to send me the forms through the post, the lady I spoke to said there was a 6 week waiting list then, so it looks like there will be a wait but who cares!! I just want to get it all sorted now.

    Thanks everybody
    xxx
  • dalip
    dalip Posts: 7,045 Forumite
    No that does no sound silly. I felt the same. But when i changed jobs my income dropped. I actually asked my OR if i could carry on paying the £50:o. They did not allow me to so my OR dissolved my IPA(he [EMAIL="coc@ed"]coc@ed[/EMAIL] up he should have just suspended it)so when i got my ED a couple of months later that was it. I can undertstand why people try to avoid an IPA as you are still,in all intents and purposes,accountable to the OR for the duration. Dx
    Free impartial debt advice available from: National Debtline - Tel: 0808 808 4000 | The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111 | Find your local Citizens Advice Bureau
    Laugh at yourself and others laugh with you.Laugh at others and you laugh alone. BSC No 107:D
  • tigerfeet2006
    tigerfeet2006 Posts: 14,030 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    TYL you can ring the court everyday and see if they have a cancellation if you can get to the court quite quickly
    BSCno.87
    The only stupid question is an unasked one
    Loving life as a Kernow Hippy
  • thatsyourlot
    thatsyourlot Posts: 189 Forumite
    Thanks for info TF2006,

    I have to catch 2 buses to get to my local court, I dont drive so no car but thanks for letting me know I could do that. Its always good to get more info.

    x
  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    Agreed.....I did the same for mine a couple of years ago....Liverpool finally managed a cancellation (or they were sick of the sound of my voice ringing every day!)
    We all die. The goal isn't to live forever, the goal is to create something that will
  • So_Sad_Angel
    So_Sad_Angel Posts: 7,363 Forumite
    A (or they were sick of the sound of my voice ringing every day!)


    ...hehe Phil....not sure `stalking` the local court was a good idea :D:D:rotfl:
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