Next steps

callywally

Just another quick update, I have rang court to ask for forms and they were very nice but there is a waiting list and it will be June before I can get a appontment.Felt sick even ringing court so hate to think what I will be like on the day!will probably be asking for help with forms.

lilibet1

Hi cally

I just thought that i would add that i think that we are both at the same stage. Its a scary process and lots to take in. Im off to the CAB in a minute for a face to face chat, as im better like that than on the phone. Thinking of you.

Lili x

Angiepange

Dont panic, you have plenty of time to prepare and just keep remembering you are taking the necessary steps to sort out your problems and get your life back on track. No one wants to go BR but you have been advised to by professionals, it is the solution for your problems. Your feelings of shame and upset are totally understandable.

I went through all the feelings you have right now and I promise you it will get easier.

Keep posting for help and we are all here with you. Good luck.

Angie x

callywally

Thanks very much, it does help to know that other people are going through it and have been through it and come out the other side. as i dont feel able to talk to family and friends about it it is nice to be able to come here and ask questions etc, hope you dont get sick of me asking things!

callywally

I have had another phone call today dispite sending two letters and two emails, I just said again that I will not speak to them on phone just hope they get fed up with ringing. Next time I am going to say the call is being recorded.I hope the give up as its going to be June before I can get a appointment and dont look forward to this for another six weeks.

Angiepange

We ended up not answering the phone to them, there's only so many times you can tell people who just won't listen. We had phone calls every day (twice, sometimes three times) from one paticular creditor.

Have you got caller display? I programmed there no. into it and just didn't answer in the end. Yes my stomach used to sink every time the phone rang but I knew we would be going BR and I had taken every opportunity previous to this to explain what had happened to us, asked them for extra time while I consulted debt agencies etc. It just made no difference.

You just have to hang in there, other people have refused to answer their security questions when they ring so they cant proceed further.

Angie x

callywally

Thanks have not got caller display, but think I will have to buy a cheap phone wit it on, thanks for reply.

mum2b

totaly know how you are feeling, did you get your court date booked in?
I changed my number so that no creditors could get in touch with me got so sick of the phone calls early morning all day and late at night! just so happened that my mobile contract ended soon after I stopped paying my creditor and went to PAYG didn't take my number with me :beer:
xx

missyp123

sorry to butt in...can i ask if you have to save the money that you would have paid for tax how do you pay them it? we dont have cq books anymore and surley they will freeze the accountif money is stacking up in it???

auldblerk

If you need any advice on how to complete the forms then ask away here on this forum, there is a terrific bunch of people here happy to help.
The (superannuation ?) pension that is frozen until you retire will be unaffected so don't worry about this; whether you can contribute/top-up/other is another issue which you can discuss with your OR when you get to that stage.