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Why this forum is so good....

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Apart from helping me through all the bankruptcy process, it has given me the courage to answer the phone again without worrying about creditors shouting.

HSBC phoned today and asked me to repay my overdraft. I advised them that I was br and gave them the details. Fine. Then she asked me the reason why I had been declared BR. Previously I would have got really stressed, started apologising and explaining the whole mess. But, what did I do? I simply said "I don't have to give you anymore information" and that was it.

Something so small but made me feel so much better and without this forum I wouldn't have known that they don't have the right to this information.

Thanks everyone, you are great :T:T:T:T

Jedi x
Finally getting my life on track. Onwards and upwards.
BSC No 327
GC Jan £336.91/£450
GC Feb £0/£400

Comments

  • dojoman
    dojoman Posts: 12,027 Forumite
    Well done, tell the nosy sod to !!!! off next time, they have no right asking you questions like that :)
    :pB&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
  • well done....cheeky *!**!**!**!*!*!*! i'd have said "jog on!"
    We all die. The goal isn't to live forever, the goal is to create something that will
  • Angiepange
    Angiepange Posts: 3,521 Forumite
    Part of the Furniture Combo Breaker
    jedi82 wrote: »
    Apart from helping me through all the bankruptcy process, it has given me the courage to answer the phone again without worrying about creditors shouting.

    HSBC phoned today and asked me to repay my overdraft. I advised them that I was br and gave them the details. Fine. Then she asked me the reason why I had been declared BR. Previously I would have got really stressed, started apologising and explaining the whole mess. But, what did I do? I simply said "I don't have to give you anymore information" and that was it.

    Something so small but made me feel so much better and without this forum I wouldn't have known that they don't have the right to this information.

    Thanks everyone, you are great :T:T:T:T

    Jedi x

    Know exactly how you feel Jedi and well done for staying strong.

    We almost looked forward to the first call after our BR.

    Pre BR they were just relentless and harrassed us all day and evening. I remember my stomach used to turn over every time the phone rang, it was a nightmare. So to know they couldn't use their bully boy tactics anymore was such a relief.

    Glad to hear you have found so much help here too :)
  • yeah well done you takes some nerve sometimes
    god bless
    milo xxx
    and bo xxx
    we now have 2 westies :D:D:D:D:D:D:D:D:D
  • Emmylou_2
    Emmylou_2 Posts: 1,049 Forumite
    It took NatWest three phone calls. All at ridiculously early in the morning (well, before 8 am).

    The first time, I ended up putting the phone down on the woman, she just wouldn't accept that I was BR and that I couldn't/wouldn't pay her a lot of money.

    The second time was similar, except I was ranty that they hadn't noted my BR on their system.

    The third time, the lovely lady checked online, confirmed the details of the OR and apologised for the previous two calls!
    We may not have it all together, but together we have it all :beer:
    B&SC Member No 324

    Living with ME, fibromyalgia and (newly diagnosed but been there a long time) EDS Type 3 (Hypermobility). Woo hoo :rotfl:
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