starting the process now

broxiebear1

DEPTFREE2010 wrote: »

good luck broxiebear

i went br 8th dec due to my marriage breakdown and the :mad: of a husband laving me with his debt and with a mortgage shortfall due to him giving up a really well paid job. it was the best thing i could ever do now i dont have to lock the door and keep the curtains shut worrying about people knocking the door.

keep us update on how your getting on :beer:

anyone that comes to my door better be heavies because they wont get in and if they try well my nice dog might be interested in them lol

broxiebear1

Thefunkymonkey7 wrote: »

I thought I was going to lose what pension I'd paid into but apparently they don't take it anymore. (In England anyway hope its the same in Scotland). Hope it all goes well. Will follow you to find out. If you're honest and all your paper work is up to date you have nothing to fear. The official receiver I had was sound! All the best.

martin as i left ex wife when i turned 50 i decided to take my pension i recieved £12000 and paid all my debts at the time that was 3 years ago , i have been seperated for 6 years now still waiting on divorce looks like this is going to be some year b.r divorced , and married again if i can get the money together for registar and a night at gretna lol.

DEPTFREE2010

broxiebear1 wrote: »

anyone that comes to my door better be heavies because they wont get in and if they try well my nice dog might be interested in them lol

my two little cavaliers woud go running :rotfl:

Thefunkymonkey7

Life begins at 50 by the sounds of it!!!:beer:

broxiebear1

Thesadhippy wrote: »

Don't worry Broxiebear1 I know the feeling. Just before christmas I took my head out of the sand and decided that's it. Cancelled DD's and after my bank made a total ****s up of changing my joint account to a single account that was the final straw. £185.00 of bank charges for there error. £38,000 of unsecured debt, I had worked seven day's a week for two years just to treadwater. I know its my fault but after losing my second job I was up the creak without paddle.

Well telephone calls have started, told em all I had been advised by CCCS and Payplan to go BR.... They still had the cheek to ask for the amounts!!!!!

Worst part, them calling me at work. Now I'm ready for them. Have told my colleagues that I am going BR due to marraige breakdown and loss of OT and second job. They are all very understanding. My Boss say's she will tell them no personal calls allowed.

Keep your chin up, my biggest task is raising the fee. So I tell the DCA's to make me bankrupt so I can save on the fee's. That soon puts them in a spin.

i havnt spoke to anyone but i did get 1 phone call at work i work for a tyre company have told boss she has been good same for depot manager but didnt want anyone else to know reception girl said creditor was on phone and asked me if i wanted to talk to them so now she knows to , but said if anymore phone she will say i am not allowed personell calls

DEPTFREE2010

Thefunkymonkey7 wrote: »

Life begins at 50 by the sounds of it!!!:beer:

:beer: its 30 for me haha:beer: great year for all of us xx

broxiebear1

DEPTFREE2010 wrote: »

my two little cavaliers woud go running :rotfl:

mine is a westie lol but he has a good bark he goes mental when someone comes to the door lol he would lick:rotfl:;) you to death

broxiebear1

DEPTFREE2010 wrote: »

:beer: its 30 for me haha:beer: great year for all of us xx

im 53 on feb. partner is 48 thank god for her love of my life and english:rotfl: joking;)

TDMum

Good Luck Broxie. Try not to worry! We stopped our DD's from June-August and then some just this month after duff advice :mad: Anyhoo we're just at the stage of sending our forms away after a failed TD and *touch wood* no scary buisness yet. We moved house in August and the companies have only just found us this week so the letters are starting again. The worst a letter can do is give you a nasty paper cut

I hope things move along quickly for you so you can get it over and done with ASAP!

Any questions just ask and I'll answer as best I can with my experience of the Scottish system.

:beer:

broxiebear1

TDMum wrote: »

Good Luck Broxie. Try not to worry! We stopped our DD's from June-August and then some just this month after duff advice :mad: Anyhoo we're just at the stage of sending our forms away after a failed TD and *touch wood* no scary buisness yet. We moved house in August and the companies have only just found us this week so the letters are starting again. The worst a letter can do is give you a nasty paper cut

I hope things move along quickly for you so you can get it over and done with ASAP!

Any questions just ask and I'll answer as best I can with my experience of the Scottish system.

:beer:

ill be keeping an eye on your posts with interest td:)