The Bankruptcy Club & Supporters Club

sarah_skint

no I have no GA near me nearest one is 40 minutes drive, then I have the 4 kids I could not take them. I also do not have any family for support so that rules them out and the other half works weird shifts so i could possibly go to one meeting every three weeks, but then I would not be able to get home. I looked at all possiblilities.

I asked my doctor for help and he laughed at me.................. enough said.

I did however join gamcare a specialist site for people trying to stop gambling or have stopped gambling that was useful in some areas.

I must say though since my lightbulb moment I haven't gambled like I used to - now I only get one lottery ticket and one thunderball ticket every saturday.

I do feel much better and since my other half found out about my debt I don't get that urge to block things out and start gambling as I can talk to him. Hope that makes sense to someone!

Sarah

sandralovescats

sarah_skint wrote:

no I have no GA near me nearest one is 40 minutes drive, then I have the 4 kids I could not take them. I also do not have any family for support so that rules them out and the other half works weird shifts so i could possibly go to one meeting every three weeks, but then I would not be able to get home. I looked at all possiblilities.

I asked my doctor for help and he laughed at me.................. enough said.

I did however join gamcare a specialist site for people trying to stop gambling or have stopped gambling that was useful in some areas.

I must say though since my lightbulb moment I haven't gambled like I used to - now I only get one lottery ticket and one thunderball ticket every saturday.

I do feel much better and since my other half found out about my debt I don't get that urge to block things out and start gambling as I can talk to him. Hope that makes sense to someone!

Sarah

Seems like you are doing okay on your own!

I used to have a thing about having to buy something every time I went into M&S - going back 15 years ago or more now. If I was upset/down/happy I would buy an item of clothing - then take it back the following week!
I did my own therapy by forcing myself into M&S and NOT buying anything. After a while it worked. I am now doing the same thing watching QVC!

Hope all goes well for you.

bizzylizzy

rog2 wrote:

Hi BizzyL - For what it is worth, I did not fill in those two answers on the form, simply because it was a case of 'where do I start?'
Instead I took the form to my OR meeting and we discussed the answers to both of those questions in great detail. The OR condensed the discussion into plain English and put it on the 'statement' which I had to sign. She put it down simply and factually, whereas I would have been too emotional and would probably have missed the point.

I didn't realise you could do that. That may be the answer here as OH and I are not agreeing what should be written. It says you can't write "due to the recession" but can you just write "due to long term illness and so being unable to work" or do you think you have to elaborate?

sandralovescats

bizzylizzy wrote:

I didn't realise you could do that. That may be the answer here as OH and I are not agreeing what should be written. It says you can't write "due to the recession" but can you just write "due to long term illness and so being unable to work" or do you think you have to elaborate?

That sounds just fine to me. At the end of the day you can elaborate if the OR asks when you have the interview.

rog2

bizzylizzy wrote:

I didn't realise you could do that. That may be the answer here as OH and I are not agreeing what should be written. It says you can't write "due to the recession" but can you just write "due to long term illness and so being unable to work" or do you think you have to elaborate?

Exactly Biz - that was my dilemma and I felt better for leaving it till the interview.:beer:

Mike_St_Helens

sandralovescats wrote:

In bankruptcy you would not be allowed a cheque book!!

You will get a debit card with Cashminder - a Visa Electron

You are allowed a cheque book and a proper debit card...Lloyds and the OR have said they are not interested in mine and are happy for me to keep...

Also I found Co-op Crap......They are slow, rude, not helpful and not understanding... unless your a customer from what ive heard....

scootw1

Mike_St_Helens wrote:

You are allowed a cheque book and a proper debit card...Lloyds and the OR have said they are not interested in mine and are happy for me to keep...

Also I found Co-op Crap......They are slow, rude, not helpful and not understanding... unless your a customer from what ive heard....

I would have thought you were allowed these things, just may be a bit difficult through some channels. BR rules only state that you cant take out more thank £500 credit without informing the person you have credit with. I wouldnt bother with any at all personally as that is what got me in trouble in the first place.

sandralovescats

If you are only allowed a Basic Bank Account then you cannot have a cheque book! None of the basic accounts give you a cheque book at all. So how can someone in an IVA or in undischarged bankruptcy have a chequebook?

Also, none of the basic accounts allow an overdraft, whether you are allowed £500 credit or not. You cannot have any credit as an undischarged bankrupt so the £500 is neither here nor there.

The debit card is not a problem.

I am only in an IVA and I cannot have a cheque book or an overdraft.

I wasn't a Co-op customer prior to applying for their basic account. The Co-op have been absolutely fabulous with me and with others I know of. Their customer services on the phone is second to none, and their security system is just superb.

scootw1

I had this reply from the Insolvency Service regarding credit:

The provision under section 360 (1) of The Insovency Act 1986 relating to obtaining credit is that whilst a bankrupt is undischarged it is an offence to obtain credit of more than £500 without telling the person from whom s/he obtains credit that s/he is an undischarged bankrupt. So you would not be doing anything wrong if you obtained credit of under £500 without telling the person from whom you obtain the credit that you are an undischarged bankrupt, but you would if the amount was more than £500. The best thing to do is to steer away from obtaining any credit.

I would assume that this is for one-off credit arrangements such as DFS or something like that rather than a credit card. Wouldnt think the CC companies would want to touch you anyway

sandralovescats

That is correct, Scoot, you wouldn't get a credit card. So the only way would be if your best friend lent you the money.

There is this thing with cheques that they can bounce whereas a debit card won't allow you to pay if there is no money in that account. However, if you had £200 in that account and spent it on a debit card, the DD's could still bounce because the cash would not be there to pay it!
Seems daft to me, but there it is!