7 days to go till br finished

snoopy89

well nearly 12 month completed, i week to go. and i cant say i have noticed any difference except i have money in bank again, all bills paid, co-op been very good and no prob with there card. no hassele what so ever with creditors. one thing that has changed is my attitude, i will never borrow money again, and i am really happy as i am, so all the best to all of you and thanks for the help this and other forums have given. seems like only a couple of months ago.:j:j:beer::T:)

philnicandamy

superb news snoopy...that year flew by!

snoopy89

yep it flew buy quicker than i could say brrrrrrrrrrrrrrrrrrrrr. hehe. will be out for a meal next week, then i will look after my pennies and learn fron the past. thanks.

alastairq

well done snoopy.......AD will pass with but a murmur...and an update eventually on your IS record.....

next step to look forward to, is the complete removal of your details from the IS site...after about 3 months...

after that, you can undergo the joys of a credit file clean-up......


regarding credit?....Doesn't BR actually make you realise how much this credit lark really is a con?

We don't actually need it.....but what would our erstwhile financial institutions do for a living, if they didn't/couldn't convince us all, live is not worth living unless you have a line of credit?

snoopy89

i agree when u go trough hard times then you see the light, who needs credit cards and there high rates for the low income people. my son moved to a flat with girl freind, within a short time it was the brighthouse store for tv, oh second hand and they charged 3 times more than a new tv same spec. got them to return it, and found them a tv for 130.00 32" flat screen from m8, they whent to secondhand pornborkers, giveing there bits in for a small amount and paying back a large amount. i have helped them as well this year to get out of that, and now they see just how stupid it was. if only we could see the future and change the past.

dojoman

Well done, I am down to the last 4 weeks before AD, like you the time has flown by, just hope the next few weeks go as quickly

tech2_2

May I wish you all the best! When I had a letter this month saying I had early discharge the feeling was one I could not discribe! But yea it does make you re-evaluate your life! For me wish I had done it yrs ago! But young enough to re build my life and some savings as guess what NO Crdits cards or debt just the usual bills and mortgage and guess what if we have not got the money for then we dont have it.

But ebay has been such a blast and done most the kids shopping on there and got them 10x more than for toys r us!

A big thanks to all on here who helped me too

Tech2

now

snoopy89 wrote: »

i agree when u go trough hard times then you see the light, who needs credit cards and there high rates for the low income people. my son moved to a flat with girl freind, within a short time it was the brighthouse store for tv, oh second hand and they charged 3 times more than a new tv same spec. got them to return it, and found them a tv for 130.00 32" flat screen from m8, they whent to secondhand pornborkers, giveing there bits in for a small amount and paying back a large amount. i have helped them as well this year to get out of that, and now they see just how stupid it was. if only we could see the future and change the past.

I am nearly discharged and agree with you, I will never hold a credit card in my hand again or borrow money on a loan, no cars on HP I am so much happier without it xx I think we should all try and educate the public on the danger of letting a bank rule your life :T After all our grand parents never had plastic:A

snoopy89

just checked insolvencey site, i am discharged. hiphip hurray:beer::T:j, that was quick, expected after 12 tonight. thanks all once again.

So_Sad_Angel

snoopy89 wrote: »

just checked insolvencey site, i am discharged. hiphip hurray:beer::T:j, that was quick, expected after 12 tonight. thanks all once again.

Thats great news Snoopy.....doesn`t seem like 12 months at all.

You`re free now....:j:j:j:j:beer:

Angiex

Angiepange

Just adding my congratulations snoopy on your AD :j:beer:

And glad you are so happy too.

All the best for the future

Angie x