Would just like to say thank you...

Sammy3008

To everyone who posted on my threads and offered me advice and support, and also from other people's thread's, that are so informative

This is perhaps going to sound abit silly, but I sat here thinking last night, I feel awful my DH having to go through this.
I feel as though its completely my fault, as I was mostly the one, who asked him to get the loans in the first place :rolleyes:

DH will be 41, very soon, and I am 30, why couldn't the debts just be in my name. Basically what I'm getting at, my DH will be 47, by the time this BR is off his credit file, and even then he's not likely to get another joint account with me or anything.
He's always so wanted a Harley Davidson Motorbike, but will that time ever come now?
We also wanted to be able to purchase another nice touring caravan, but will we ever be able to do this?

Sorry, I just feel as though its me to blame, I did say to DH, if I could change those debts around and put them in my name I would!

Self indulgent post, but had to get it off my chest, again thank you to all of you.

philnicandamy

Sammy3008 wrote: »

To everyone who posted on my threads and offered me advice and support, and also from other people's thread's, that are so informative

This is perhaps going to sound abit silly, but I sat here thinking last night, I feel awful my DH having to go through this.
I feel as though its completely my fault, as I was mostly the one, who asked him to get the loans in the first place :rolleyes:

DH will be 41, very soon, and I am 30, why couldn't the debts just be in my name. Basically what I'm getting at, my DH will be 47, by the time this BR is off his credit file, and even then he's not likely to get another joint account with me or anything.
He's always so wanted a Harley Davidson Motorbike, but will that time ever come now? it WILL...life will be much improved after bankruptcy...I know mine has & i'm nearly 40 with another 3yrs before the BR drops off my files...nothing stopping you opening a joint account in a while...i've a joint account now with my OH as well as my own account with O/D & Cheque book from natwest
We also wanted to be able to purchase another nice touring caravan, but will we ever be able to do this? OF COURSE you will....saving is part of the fun & it's something to aim for eventually

Sorry, I just feel as though its me to blame, I did say to DH, if I could change those debts around and put them in my name I would! you've done above & beyond for your OH already he'll be made up with the support you give....and believe me once the BR goes through you'll be changed people for the better!

Self indulgent post so what? we're all allowed a down day thats what this place is for! bankruptcy is a total rollercoaster of emotions & we've all been there so can guarantee I know how your feeling at this minute...BUT it gets a whole lot better just takes a bit of time, but had to get it off my chest, again thank you to all of you.

No need for thanks!!

Sammy3008

philnicandamy wrote: »

No need for thanks!!

There is need for thanks, as everyone is sooo supportive, thank you for your post, it does put your mind at rest, when you know things 'can' be done

I just think things have got on top of us both, and trying to find a Private let, where the LA or LL will allow some-one who is about to go BR, into there property is proving to be abit of a rollercoaster :rolleyes:

philnicandamy

BUT....its not the end of the world....there are people who post on here have gone on to have very happy sucessful lives started new businesses etc etc....there are solutions to EVERYTHING sometimes in bankruptcy it might take a little longer....but as I said once the ball starts rolling your OH will come out of this a changed person...for the better!

Besides....when the caravan arrives we've got somewhere we can go for a bankrupt supporters meet!!

Angiepange

Hi Sam

I really feel for you, please dont beat yourself up about events from the past. you are both going through this together and it seems to me you are being a rock for your DH and doing everything you can to support him and get info on how you can move forward.

As for future purchases you will have those things one day, you will be able to save and the rewards will feel all that sweeter out of your own hard earned cash and not credit! You have young kids and they cost an arm and a leg!!( btw teenagers cost 2arms and 2 legs!!) so concentrate on them for now and yours and DH time will come to get the things you would like, who knows you may win the lottery!! In my dreams!!

I have down times like you too, I hate seeing the stress it is causing my DH and wish I could make it all disappear. Please remember you are facing up to your debts and dealing with your situation and that is brave so please dont be so hard on yourself. As for loans etc you did what you needed to do at the time, like us you never thought you would end up going BR so please dont blame yourself.

Here to talk and please PM me too if you would like

Take care Angie x

headoutofsand

Phil is quite correct, you can "startagain" the debt that has pushed you to the limit has gone. Take me for example, I am going to start another business, heck Branson did it so why not me. Ok I'm not Branson but a lesson has been learn't and I have to think ahead, to do otherwise would be negative. The negative has been sorted by the BR. So now the positive has sprung back. BR is not repeat not the end of your world.;)

philnicandamy

Well....HOOS never thought of you as " beardy" branson......remember me though in your enterprise!

(i'll be going on dragons den with an idea....I can imagine the pitch now....I want two hundred thousand pounds for a trip round the world 1st class & for that i'll give you a 25% share in the holiday photos....just a thought then again maybe not!

seriously though Sam everyone's here to help you both through the good & bad bits of stuff....this place saved my life when I decided on BR believe me....anytime you feel you need a rant/rave/moan/question we're all here....besides thats how we all learned a while ago & most of us stay here to pass on our wisdoms to people in need

Same here though if you ever need a natter feel free to PM me ANYTIME i'm around most days/nights! (thats a long story though best save for another day!)

Sam....as others have said your doing more for your OH now that you realsie...and for that he'll love you to death... the worse thing in my life? I went through everything mostly on my own after my OH & me briefly split for a while after she couldnt cope with my moods etc etc...BUT she's back & we love each other now more than we ever did...and thats all thanks to bankruptcy

so......in a way it does have its good points

Phil x

Sammy3008

philnicandamy wrote: »

BUT....its not the end of the world....there are people who post on here have gone on to have very happy sucessful lives started new businesses etc etc....there are solutions to EVERYTHING sometimes in bankruptcy it might take a little longer....but as I said once the ball starts rolling your OH will come out of this a changed person...for the better!

Very True.

Besides....when the caravan arrives we've got somewhere we can go for a bankrupt supporters meet!!

You'd be very welcome, all of you :rotfl:

philnicandamy

Right......we'll book the first available 2wks in summer 2011 then!

Sammy3008

Angiepange wrote: »

Hi Sam

I really feel for you, please dont beat yourself up about events from the past. you are both going through this together and it seems to me you are being a rock for your DH and doing everything you can to support him and get info on how you can move forward.

As for future purchases you will have those things one day, you will be able to save and the rewards will feel all that sweeter out of your own hard earned cash and not credit! You have young kids and they cost an arm and a leg!!( btw teenagers cost 2arms and 2 legs!!) so concentrate on them for now and yours and DH time will come to get the things you would like, who knows you may win the lottery!! In my dreams!!

I have down times like you too, I hate seeing the stress it is causing my DH and wish I could make it all disappear. Please remember you are facing up to your debts and dealing with your situation and that is brave so please dont be so hard on yourself. As for loans etc you did what you needed to do at the time, like us you never thought you would end up going BR so please dont blame yourself.

Here to talk and please PM me too if you would like

Take care Angie x

Hi Angie, thank you so much. I think I'm scared to keep asking questions, as I've asked so many already, but then guaranteed something else springs to mind :rolleyes:
Think its the 'not' knowing when not been BR before, but then again there's lots of people on here, that have been there, and know what its like, but advice from both sides is always helpful, and like yourself, you're still to go through it, its just preparing for the build up

headoutofsand wrote: »

Phil is quite correct, you can "startagain" the debt that has pushed you to the limit has gone. Take me for example, I am going to start another business, heck Branson did it so why not me. Ok I'm not Branson but a lesson has been learn't and I have to think ahead, to do otherwise would be negative. The negative has been sorted by the BR. So now the positive has sprung back. BR is not repeat not the end of your world.;)

Thank you I know I've heard that the OR even when Discharged (even though my DH hasn't evened filed for BR yet, i'm abit forward I know ) but how long is it, until you don't have to keep declaring changes to him/her, I said to DH think its 3 years, but not sure?

philnicandamy wrote: »

Well....HOOS never thought of you as " beardy" branson......remember me though in your enterprise!

(i'll be going on dragons den with an idea....I can imagine the pitch now....I want two hundred thousand pounds for a trip round the world 1st class & for that i'll give you a 25% share in the holiday photos....just a thought then again maybe not!

seriously though Sam everyone's here to help you both through the good & bad bits of stuff....this place saved my life when I decided on BR believe me....anytime you feel you need a rant/rave/moan/question we're all here....besides thats how we all learned a while ago & most of us stay here to pass on our wisdoms to people in need

Same here though if you ever need a natter feel free to PM me ANYTIME i'm around most days/nights! (thats a long story though best save for another day!)

Sam....as others have said your doing more for your OH now that you realsie...and for that he'll love you to death the worse thing in my life? I went through everything mostly on my own after my OH & me briefly split for a while after she couldnt cope with my moods etc etc...BUT she's back & we love each other now more than we ever did...and thats all thanks to bankruptcy

so......in a way it does have its good points

Phil x

Thank you Phil. And promise to tell everyone when we've got that tourer, the BR party will be on us

Sam.

Sammy3008

philnicandamy wrote: »

Right......we'll book the first available 2wks in summer 2011 then!

Sounds good :rotfl: