Welcome Newbies and Lurkers

dojoman

BUMP......... Quite chilly here too fellow bumpsters, but at least it is dry and not windy either:D

IF

dojoman wrote: »

BUMP......... Quite chilly here too fellow bumpsters, but at least it is dry and not windy either:D

True Dojo, I can cope with the cold just not all three!!:D

The cutest dog in the world called Boo.....Awwww :j:j

solventsoon

ifwisheswerehorses... wrote: »

Hi Dojo, I am well thank you......same as Spoony flippin' cold me!!

brrrrr........ I'm thinking about putting the heating on.... brrrrrrrrr.....

ifwisheswerehorses... wrote: »

It soooo did four piggies dancing eh!!

Yep, love the four piggies:D:D

dojoman wrote: »

BUMP......... Quite chilly here too fellow bumpsters, but at least it is dry and not windy either:D

ifwisheswerehorses... wrote: »

True Dojo, I can cope with the cold just not all three!!:D

Very true, one's OK but freezing horizontal rain is definitely too much!!:eek:

ifwisheswerehorses... wrote: »

The cutest dog in the world called Boo.....Awwww :j:j

He's wiggling, If:D

IF

solventsoon wrote: »

brrrrr........ I'm thinking about putting the heating on.... brrrrrrrrr.....

Got mine on!! :eek:

solventsoon wrote: »

Yep, love the four piggies:D:D

Thought they were just 3 piggies, who huffed and pufffed!! :think:

solventsoon wrote: »

Very true, one's OK but freezing horizontal rain is definitely too much!!:eek:

Certainly is Spoony!!

solventsoon wrote: »

He's wiggling, If:D

Well as I said before it is friday :dance:

IF

solventsoon

ifwisheswerehorses... wrote: »

Got mine on!! :eek:

Mine's on now as well!!:eek:

ifwisheswerehorses... wrote: »

Thought they were just 3 piggies, who huffed and pufffed!! :think:

Nope... it was the wolf who huffed and puffed, not the piggies:D:p

These piggies are far too sensible to build houses, they spend their time wiggling and having fun:D:D

ifwisheswerehorses... wrote: »

Certainly is Spoony!!

Yep... not much worse than horizontal rain:eek:

ifwisheswerehorses... wrote: »

Well as I said before it is friday :dance:

Woohooooooo :j:j:j:j:j:j

IF

solventsoon wrote: »

Nope... it was the wolf who huffed and puffed, not the piggies:D:p

These piggies are far too sensible to build houses, they spend their time wiggling and having fun:D:D

Ohhhh of course it was......silly me!!

Oh what clever piggies you have Spoon!!:D:D:p:p

IF

IF

Welcome to the Bankruptcy (BR) Board.

Hello and Welcome, Many of the posters on here have been through bankruptcy. They will be able to help, advise and also offer you support. We do have poster's who have/do work for the OR and Debt charities too.

Written by Fermi our board guide:-

"Many people find that debt and bankruptcy is the cause or result of a period of great distress and anxiety in their lives. For some this can reach a stage where it is difficult to cope. So I would remind you that The Samaritans are available to help you through your troubles if the emotional side threatens to become overwhelming."
The Samaritans - Click here

Helpful Links and Information.

To post your question go to the top left hand side of BR board, opposite the page numbers and press the "New Thread" button as shown below:

And type in the Title to your thread. If your post doesn’t get answered straight away please don’t lose heart, it’s often due to not being a 100% sure we would be giving the correct answer. If you find your post is not answered and it’s on page 2, please ‘bump’ your post back up the board.

We often ask you to post your SOA so we can see if you have included what you need to:-
MSE SOA Calculator - Click here Select the MSE format at the end. Copy and paste onto your thread.

For ‘essential’ BR info this is Fermi’s sticky - Click here

BR Abbreviations - Click here

IVA & DRO Board - Click here

If you are new/old to this board and receive/see a comment that is not helpful or insensitive please don’t let it put you off posting, often these comments are made by people who don’t normally contribute to this board and don’t speak for us.

What to do if you get an insensitive or hurtful comment - Click here


Best wishes
If...x

IF

Every now and then we have had a number of offensive and insensitive comments made on the BR board.

What do we mean by this?
A person that posts deliberately provocative, nasty or hurtful comments on threads is know as a Troll. They may be a person with no previous connection to the board or someone that has created a pseudonym to get their point made. If you should get such a comment made on any thread you post, please realise this comment is not directed at you personally so please ignore these nasty comments and continue to post here as normal because the majority of us really are a lovely bunch – ooops, modesty! That said there are different writing styles; some brief and some harsh but helpful. If you happen to read them when you are not going through such an emotional time, you may find you are not as offended. So if they have upset you please try not to respond angrily. Most people are simply trying to help.

What should I do if I get a comment made on my thread?
Firstly do not respond to the comment as this is invariably what the Poster wants. So to get rid of the offending post, at the bottom of the post towards the right hand side you’ll see a red "Warning" triangle within a blue “Report” icon, as shown below:

Click the icon and then "send" the message with the posters name which will inform the MSE team, who will then review its content and deal with it as appropriate; sometimes even deleting the Poster by making their status PPR’d (Posting Privileges Removed). Remember, this site is an asset to so many people, especially those that feels like their world is falling in around them. There is a wealth of knowledgeable people here all willing to help, whatever you do, do not let the comments of one silly individual deter you from availing yourself of the knowledge base that is on offer here.

PLEASE DO NOT LEAVE THE FORUM

It is testament to the work that Martin has done and continues to do that so many people give their time, knowledge and experience freely to others; without judgement, to lift people out of the depths of their debt crisis

PLEASE DO NOT LET THE ACTIONS OF THE MINORITY RUIN THAT