How has BR affected you? and your lives?

GEEGEE8

neilscot44 wrote: »

Thanks Jonathon, I'm Keeping 09/10 statements.. Think its good to keep statements for a couple of years, unlike me who had them going back to 02 lol..

I wouldn't worry at all, I had minimal statements as I never kept them anyhow. The OR will just apply to the various banks etc and they will go direct to them

jess0612

I went bankrupt in November 2010, it took alot of sole searching to do as i felt disappointed in myself and felt others would too. From my experience it is the best decission i have made. First xmas without the use of credit and it's one of the best i have had. I told my immediate family and a couple of so called best friends who werent there for me when i needed some moral support, so started the new year knowing who i could trust. It was nice to start sleeping and not worrying. I was worried about the bankruptcy date but they were so nice. Don't know what i was really expecting probably hanged drawn and quartered. The OR interview was also fine lovely lady who was not judgemental, phone interview took about 1 1/2 hours. Just received my payment order, rang with a couple of querues because i have a joint mortgage property involved. It is advertised on the London Gazette website, but who will no unless they are searching. Good Luck i havent regretted it and im looking forward to my money saving ways this year. Have a budget and keep to it, use money off coupons, something i never did. I also started growing my own veg/salads etc and was amazed what i saved here.

alastairq

My day-to-day life has changed for the better.

Actually not wishing to access credit..let alone being able to, actually makes life much simpler.

My mail has fallen off considerably...now I look forward to seeing what the Postie has left......nice Amazon packages, or the little red card telling me something huge is waiting for me at the Sorting Office....even the odd, misplaced threatening letter from a long-dismissed DCA actually holds absolutely no fears for me....

Hey, DCA's....you can't touch me, so rhubarb to you!

The only time I take a moral stance now, is when I see others doing likewise, to the detriment of some poor individual who really....only needs help!

Not that I am amoral...or even, im-moral...far from it...I truly believe I have 'seen the light' with regards to the way we are all encouraged to live, and go about our lives.

Regarding those people who 'pay off their credit cards religiously'....who manage to 'save loads of money each month'...and who take a dim [if somewhat patronising] view of debtors....well..whoopteedoo...lucky they have such an excessive income [for what they do] that they actually have a huge surplus....but...I have an element of 'sympathy' for them........just take a look behind their shoulders, at the monstrous black winged thing hovering there, just waiting for that individual to make one teensy-weensy financial slip...a missed payment, a crashed computer....a knock on the head?

A sudden redundancy due to some-one else's greed or mistake?

All sorts of misfortunes, major and minor, can result in a financially moral individual suddenly becoming a debtor.[which they already are, anyway......how can an individual express a moral distaste for us BRs, when they openly borrow money with the express intent of ..avoiding paying any interest?...or is...'playing the system' morally acceptable, somehow?]

Anyone here admit to having a subscription to London Gazette?

out_of_cash

well said bang on the money so to speak:)

alastairq wrote: »

My day-to-day life has changed for the better.

Actually not wishing to access credit..let alone being able to, actually makes life much simpler.

My mail has fallen off considerably...now I look forward to seeing what the Postie has left......nice Amazon packages, or the little red card telling me something huge is waiting for me at the Sorting Office....even the odd, misplaced threatening letter from a long-dismissed DCA actually holds absolutely no fears for me....

Hey, DCA's....you can't touch me, so rhubarb to you!

The only time I take a moral stance now, is when I see others doing likewise, to the detriment of some poor individual who really....only needs help!

Not that I am amoral...or even, im-moral...far from it...I truly believe I have 'seen the light' with regards to the way we are all encouraged to live, and go about our lives.

Regarding those people who 'pay off their credit cards religiously'....who manage to 'save loads of money each month'...and who take a dim [if somewhat patronising] view of debtors....well..whoopteedoo...lucky they have such an excessive income [for what they do] that they actually have a huge surplus....but...I have an element of 'sympathy' for them........just take a look behind their shoulders, at the monstrous black winged thing hovering there, just waiting for that individual to make one teensy-weensy financial slip...a missed payment, a crashed computer....a knock on the head?

A sudden redundancy due to some-one else's greed or mistake?

All sorts of misfortunes, major and minor, can result in a financially moral individual suddenly becoming a debtor.[which they already are, anyway......how can an individual express a moral distaste for us BRs, when they openly borrow money with the express intent of ..avoiding paying any interest?...or is...'playing the system' morally acceptable, somehow?]

Anyone here admit to having a subscription to London Gazette?

indebtinsussex

not an easy decision at all to make, but the best one that we ever did, just wish we had done it a year earlier rather than go through the additional year of stress and heartbreak and my husband nearly killing himself on occassions to get some money which went on trying to keep our heads out of water.

we're not shouting it from the rooftops, the only people who know are our parents, and they've backed us up 100%, and someone from our sons school who also was made br, and its not something I will ever sing from the rooftops as I am ashamed of what I have had to do.

we dont have much money now however we now dont have to make the decision between getting food for the family or heating the home, and if our son needs shoes for school we dont have to worry about not being able to pay the mortgage.

the court were wonderful to us and our or has been wonderful as well, and its brought us closer as a family as we're not arguing or up at night worrying about how to afford the next bill on the doorstep.