EEK! Tomorrow's the DAY

IF

Ineedaname wrote: »

That's the rub If, I haven't been that stressed these last 5 years as the DMP has been running so smoothly. It's a huge shock to go from no letters from creditors and being fairly comfortable running a DMP, to suddenly going BR. This next year is going to be far more stressful than all of the 5 years just gone put together.

Oh well, gotta go, lift will be here in a minute.

Well, it's normally the other way round here eh!! But with the help available on this board, let's hope this year is not as stressful as you are envisaging.

Ineedaname

I know, I'm a bizarre backwards sort of person, lol. Many thanks If and everyone else.

All went fine, the Court Clerk was superb, just the right balance of professionalism and friendliness. Had a brief chat with OR's office too and the lady there was lovely. Only glitch was the Judge was a stickler for procedure etc. not even a hint of a smile from him and all official and proper, lol. Apparently the regular Judge was off sick, but is a more warm and friendly 'have a little chat' kind of guy. I guess I lucked out there, but it was quick and relatively painless nevertheless.

Should receive a telephone interview appointment through the post from the OR within a couple of weeks, so time now to chill for a few days and let it all wash over me. Bought a bottle of strawberry liquer on the way home, so going to have some of that tonight.

HateBanks

Glad it all went well for you, hope you sleep well tonight! xx

SteveABC

So glad it went well for you. I'm doing this on 30th and am petrified, so any stories of it going "ok" are helping. Good luck for the future.

Ineedaname

Thanks guys. Only got 4 hours sleep last night, mainly because I carried on reading my book into the wee smalls rather than lie down and fail to sleep. Once I put my head down I was out like a light, lol.

Hopefully same result tonight after a couple of glasses of wine. :beer:

Steve - it honestly wasn't an ordeal, just a bit surreal I guess.

Worcsman

Ineedaname wrote: »

Thank you all so much. I just feel this is the single worst thing I have had to do in my life, or ever will have to do. I'm going to pay for this day for the rest of my life because I shall always have to declare having gone BR and can see myself repeatedly explaining the circumstances of it. A fresh start? Well, sort of.

In a few years you will see it very differently, it's just another day, just what you did on the day was out of the ordinary, not extraordinary, just not what most would consider the norm. If you didnt have to do what your are going to do, you wouldn't do it.. It's going to make you feel better, there can be no doubt about it. Good luck tomorrow and relax, courts a doddle, you've already done all the hard stuff, the worry and grief on the journey that has led you to where you are now, from here on in, you can relax, take a breather and get yourself back on track, or back to just being you, whatever made you happy before your debts took over yopur life. Am I rambling? I know what I mean at least

IF

Ineedaname wrote: »

I know, I'm a bizarre backwards sort of person, lol. Many thanks If and everyone else.

All went fine, the Court Clerk was superb, just the right balance of professionalism and friendliness. Had a brief chat with OR's office too and the lady there was lovely. Only glitch was the Judge was a stickler for procedure etc. not even a hint of a smile from him and all official and proper, lol. Apparently the regular Judge was off sick, but is a more warm and friendly 'have a little chat' kind of guy. I guess I lucked out there, but it was quick and relatively painless nevertheless.

Should receive a telephone interview appointment through the post from the OR within a couple of weeks, so time now to chill for a few days and let it all wash over me. Bought a bottle of strawberry liquer on the way home, so going to have some of that tonight.

I'm pleased it went well and the strawberry liquer sounds nice :beer:

Think you will sleep if your mixing it with wine too

Best wishes
If...x

confused76

i'm glad it went smoothly for you...it's never as bad as you imagine. i hope you sleep well tonight xx

Ineedaname

Worcsman - it was today so the deed is done, lol. But I know what you meant too, what I hate most is the effect going BR may have on insurance for the rest of my life, it's not like I'll be home and free in 6 years but will always have to declare and explain BR whenever asked. Other than that, yep, I was just thinking this evening it's going to be utterly incredible having money when my health improves enough to return to work.

I've had credit since I was 18 so always been paying a proportion of my wages over each month, when I was 22 I was on a working pupil wage with full board at a riding stables and didn't have a penny to spare after car costs, fuel and card repayments. Since then it's basically been about earning more and more money to fund the increasing debt, until my brain crashed in December 2003. If I hadn't had undiagnosed Bipolar Disorder maybe I'd have taken charge of my fianances a long time ago - I'm 42 now, had a birthday at the weekend. :rotfl:

If - I'm confusing things, liquer/wine, same bottle! A sniffle in the glass mixed with flat lemonade as I'm actually alcohol and fizzy intolerant...

Worcsman

Ineedaname wrote: »

Worcsman - it was today so the deed is done, lol. But I know what you meant too, what I hate most is the effect going BR may have on insurance for the rest of my life, it's not like I'll be home and free in 6 years but will always have to declare and explain BR whenever asked. Other than that, yep, I was just thinking this evening it's going to be utterly incredible having money when my health improves enough to return to work.

I've had credit since I was 18 so always been paying a proportion of my wages over each month, when I was 22 I was on a working pupil wage with full board at a riding stables and didn't have a penny to spare after car costs, fuel and card repayments. Since then it's basically been about earning more and more money to fund the increasing debt, until my brain crashed in December 2003. If I hadn't had undiagnosed Bipolar Disorder maybe I'd have taken charge of my fianances a long time ago - I'm 42 now, had a birthday at the weekend. :rotfl:

If - I'm confusing things, liquer/wine, same bottle! A sniffle in the glass mixed with flat lemonade as I'm actually alcohol and fizzy intolerant...

I should have read the date/time of the posts.. Hey so it's done!! Nice! I know what you mean re the debts, Ive been earning plenty all my life and always lived to and beyong my means. Beyond- with property, one house not enough, I needed two, then I needed to rent another in Cologne, or Madrid, then lusanne or Copenhagen.. and on and on. My work took over my life, my wages went down, my living and travel costs went up, then my wife fell pregnant again. That was my tipping point, my catalist for all of this. I realised my work-life balance was a mess, I wanted to work to live not tother way around so here I am now, happier than I have been since I was 26-ish, Im 42 now and certainly wealthier, defo wiser. Wealthy with my family life, our dreams and aspirations are as vivid as ever, we just gotta figure out how to reach those goals without credit and we know we can, btw what is bipolar disorder? are you fixed yet? if not at the very least, you now have one other worry removed. all the best to you Ineedaname, i hope it works out for you.