The Bankruptcy Club & Supporters Club

sandralovescats

Part of the OR's job must be to get folks to see if and where they have gone wrong, so that it keeps them out of debt in the future?

I have heard that they are quite approachable people, they realise that life throws up some odd things nowadays, and that they do not judge.

sandralovescats

Ames wrote:

I was told by CAB when I said that I didn't have the statements going back a year that it doesn't matter, the OR will take control of my finances and be able to get them direct from the bank.

So, are you after br now ?

Mike_St_Helens

Ames wrote:

I was told by CAB when I said that I didn't have the statements going back a year that it doesn't matter, the OR will take control of my finances and be able to get them direct from the bank.

Thats right

uskoks

I called Sky last night to cancel my contract, hoping that they'd offer me reduced payments for 6 months or so; only to be told that 2 weeks ago they were told they could no longer offer reduced payments to existing customers.

Has anyone else had the same result recently?

THe upshot was I bottled out and said I'd think about it - my kids will kill me if I cancel their sky :cheesy:

uskoks


P.S - took the phone off the hook last night as can't face all those calls I know are going to start flooding our way - can't believe I've got to wait til March for BR - still, someone might beat us to the punch and take us to court (that'll save some money )

sarah_skint

just phoned experian and they said the financial assosiation should be removed by my br date 30th nov woohoo. One thing less to stress about, now to fiqure out what to do for dinner!

how complicated are those forms online i keep looking at them and minimising the page again, problem is at the moment because i have just had a new baby i have yet to hear what is happeneing to our money etc tax credits are useless........i think i'll give them another ring now as well, blinking phone bill will make me br on its own :rotfl:

Mike_St_Helens

sarah_skint wrote:

just phoned experian and they said the financial assosiation should be removed by my br date 30th nov woohoo. One thing less to stress about, now to fiqure out what to do for dinner!

how complicated are those forms online i keep looking at them and minimising the page again, problem is at the moment because i have just had a new baby i have yet to hear what is happeneing to our money etc tax credits are useless........i think i'll give them another ring now as well, blinking phone bill will make me br on its own :rotfl:

Well done, thats dead fast !!

The forms arnt that bad hun....

My OH works for the tax credits office.. Ill tell him your on your way down and if they dont pay up, you will dump the baby with them,.

Mike_St_Helens

:eek: he may bring it home...

sarah_skint

i just phoned them, they said i must have phoned when there system was down as they had no record of the new addition - THEY DO NOW!!!

sarah_skint

he may bring it home...

:rotfl: :rotfl:

rog2

sarah_skint wrote:

i told the OH it looks though he might lose the car - he is not a happy bunny going through parkers it says it is worth around 4k although, the original car we brought which went on my cc cost 4500 we had since changed this as we now have 4 kids hence a bigger car - the other half took out the remainder of his isa and used it to upgrade so to speak for this car and I think if he lost it now I may well lose him too.

There is no hard and fast rule about cars - if the OR agrees that you need the car he will allow it, though normally you would lose a 'high value' car and OR would give you money to buy a cheaper one (could be around £1000 to £1500). Have a look in Glass's guide, or Parkers and see what bottom book price would be - that may sway OR.