Does anyone regret going BR?

headoutofsand

MicheH wrote: »

I think you're right there. Totally agree with you. The absolute thought of borrowing another penny sends absolute horror down my spine.

My oven has blown up today. 6 months ago I would have happily, stupidly and ignorant to the consequences put £250 on the credit card to pay for another that same day.

Now, I'm not bothered. I have a microwave, slow cooker, hob and grill still work. Even though I have no access to credit and fair enough i'll be losing my home in a couple of months any way, put all that aside, knowing what I know now, it's tough, I don't NEED an oven. Having one will make my life easier but I can cope without it till I have SAVED the amount I need.

It's scary to know that you lead your life thinking how you're behaving is a perfectly acceptable way of controlling your finances.

*tut* *tut* at my own ignorance.

Is it a fan oven? If so they are easily repaired the element is around £20 ish depending on model. I have done mine twice in 2 years.

As for the original question, simply put no;)

rog2

MicheH wrote: »

I'm just wondering if anyone has regretted going bankrupt?

I think, truth to tell, most, if not all, of us will experience 'twinges' of regret - not necessarily at the actual declaration of bankruptcy, but, as I do, at the circumstances that made bankruptcy inevitable.

It's three years since I was declared bankrupt and, although I have adapted to a different lifestyle, I am always conscious, though never ashamed, of my 'status'.

The 'what if' question is always there, but as often stated on this forum, 'hindsight is a wonderful gift' I, certainly, was not blessed with it, so can't change what's been.

And life does improve - I promise you.

rog2

antarctica wrote: »

I have nothing, but it's all mine!

Great way of putting it, antarctica. :T :rotfl: :T

damoandclaire

well said rog2

Lost2

I haven't regretted going BR. I did feel as though the whole weight of the world had been lifted from my shoulders.
As time goes on I don't think about it.As the past is another Country.

The good thing is that I will never get any more loans or credit cards
they can stick them where the sun don't shine.

It's great to know that once you have paid the things that you have to pay, what is left is your own. :T

philnicandamy

rog2 wrote: »

I think, truth to tell, most, if not all, of us will experience 'twinges' of regret - not necessarily at the actual declaration of bankruptcy, but, as I do, at the circumstances that made bankruptcy inevitable.

It's three years since I was declared bankrupt and, although I have adapted to a different lifestyle, I am always conscious, though never ashamed, of my 'status'.

The 'what if' question is always there, but as often stated on this forum, 'hindsight is a wonderful gift' I, certainly, was not blessed with it, so can't change what's been.

And life does improve - I promise you.

Totally Agree Rog......2 & a half years nearly for me & I still have down days...I cant say the feelings go away but eventually you'll feel better..early days yet & yes it is indeed the best thing I ever considered

rog2

philnicandamy wrote: »

Totally Agree Rog......2 & a half years nearly for me & I still have down days...I cant say the feelings go away but eventually you'll feel better..early days yet & yes it is indeed the best thing I ever considered

Yes, phil - 'good days and bad days' - even the 'bad days' are better than those prior to my bankruptcy.

Rupert_Bear

Personally speaking if I went BR I would make me feel really ashamed that companys and people who trusted me I had let them down.

movingforward2010

Rupert_Bear wrote: »

Personally speaking if I went BR I would make me feel really ashamed that companys and people who trusted me I had let them down.

nah these companies kick you when you were down - lost jobs, family brake ups etc , they pile on the interest and excessive charges instead of helping you. leaving you no option but to go BR. I dont think there is anyone on here whos life goal was to go BR and i dont think when they took out credit it was their intention to go BR

headoutofsand

Rupert_Bear wrote: »

Personally speaking if I went BR I would make me feel really ashamed that companys and people who trusted me I had let them down.

These companies who handed out money like confetti at a wedding, only thought of one thing when they did it, profit. They gambled, played the market and most lost, their interest in you is purely profit driven. The trust you mention is none existent, trust is something these types do not understand so don't feel bad about it.