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Diary of the final days pre BR

I thought that i would write a few lines about how I am feeling before I petition my BR tomorrow. I am hoping that it may help ot some of you who are thinking of doing the same thing.

Well after months of stalling & question asking, I finally plucked up the courage to phone my local court for an appointment. I had phoned them weeks ago & was told that there was a 6 week waiting list but stupidly I didnt bother to put my name down for any of these appointments.

To be honest, I was too scared to do it...yep that may seem stupid, as I had already made the 1st step at starting to sort things out (cccs interview, etc) & I really thought that I was going to set the ball rolling all those weeks ago but I kept putting it off.

Anyway I rang my local court yesterday & had a choice of 1st of September or 2 days time. I ummed & ahhed & decided to go for the cancellation appointment in 2 days. The lady I spoke to at the court was really nice & not at all judgmental, so that made it a bit easier..

After I made the appointment, panic set in... Had I done the right thing??
Had a filled all the forms in correctly?? I still dont know if I have done it all correctly but I am sure that the court people will point out any of my errors.

What I do know is, that after tomorrow's court appointment, I will no longer have the awful burden of huge debt... pushing me lower & lower. I will get the chance to start all over again WITHOUT CREDIT....

A BIG lesson learnt... NEVER NEVER AGAIN.

I have butterflies in my stomach & feel really nervous about everything but I cannot wait to feel "free" again.

I guess whwat I am trying to get across to people going through the same thing is... There is a light at the end of the tunnel & although things may seem really really bad at the moment for you... you can do something about it all & come out the other side, feeling better for it.

I will write more & let you all know how it goes & if anybody is just starting out on this road & has questions, feel free to ask... I will answer if I can

xx

Comments

  • copier_guy
    copier_guy Posts: 507 Forumite
    Hope it goes ok for you.

    Good luck
  • well done for writing that and for takingthe step to book the appointment

    Good luck :T
    In for a penny in for a pound :j
  • I felt sick this morning.i felt tearful and frightened during the paperwork check..Now.....i feel overwhelmed and relieved and so thankful i have the chance to start afresh.Best £510.00 i have ever spent!!
  • Glad you have got it all sorted... just the or interview to go & then you are going to be able to start all over again.

    Thanks for the other reply to my pm too!!!
  • Will be thinking of you tomorrow.best of luck to you.
  • Lost2
    Lost2 Posts: 15,651 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good Luck, at least you wont have time to dwell on going to court
    and it will soon all be over and done with.
    Sealed Pot Number 018 🎄2009..£950.50 🎄2010..£256 🎄 2011..£526 🎄2012..£548.80 🎄2013...£758.88🎄2014...£510 🎄2015...£604.78 🎄2016...£704.50 🎄2017...£475 🎄2018...£1979.12 🎄2019...£408.88🎄2020...£1200.63...🎄2021…£588 🎄2022 £672… 🎄2023 £3,783.90 🎄2024…£3,882.57🎄2025…£4083.🎄2026
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