made my decision

mandyl

hi
this is my first post in here and im terrified
im at the moment waiting on a charity who help ex royal mail employees with bankruptcy fees.
i know it needs to be done or ill never get a fresh start. have to admit though its very scary.

philnicandamy

Morning mandy welcome to the madhouse!

I take it you've spoken to one of the free debt helplines?? CCCS National Debtline CAB? (its a question you'll be asked once you get to court)

I know its easy for me to say but its really not as bad as your thinking it will be, a ton of folks here have been through bankruptcy and out the other side relatively unscratched

Anything pops into your head or you just need a chat the support here is second to none..and remember even if the question sounds daft to you ask anyhow..we'll usually have an answer!

Doucam

Hi Mandy!

You have come to the right place that's for sure! lots of really good advice and help from those who have been there and done that xx

mandyl

thanks both
yep spoken to cccs and nat debtline about a million times lol
im lucky in some respects that i dont really have much to loose but being alone its very scary. ive had great support on dfw board and now times come to do something.
i fear the postman and thats got to stop

dojoman

Hi Mandy and welcome to the forum:) I can only reiterate what Phil and Doucam has already said:)

mandyl

thanks everyone,
the cccs explained what happens but not what happens in the yr you go through it.
does the or come round? if i say buy a magazine one month with my shopping do you get into trouble? things like that?

dancingfairy

Hi :wave:. No no-one will come around to your house. Also you will have submitted your budget to the courts to the official receiver so you will know what you are allowed to spend on say food for example. You can then spend that money how you like - if you buy a magazine and spend less on food that week/month no-one will ever know (or even care). If you post your SOA up here people will let you know how the Official Reciver (OR) is likely to view your budget -obviously individual OR's have little differences but by and large the amounts you will be allowed for things like food, clothes, utilities will be the same. At the end of the day your money is still yours to manage - you just need to make sure that you make the payment that the OR has told you you need to make. They will check your budget is reasonable and depending on how much you earn and how much you need to spend they will decide whether you will get an IPA/IPO.
df

mandyl

thanks df
cccs have been through my budget, its like you get silly things in your head like that.
cccs have also said as i live on income supp hopefully i wont have to have an ipa etc.
i did laugh when lady said £30 a week shopping i was like in your dreams, she got worried until i told her £30 a month more like lol

mandyl

just recieved my pack from cccs in the post, seing it written down in black and white has started me worrying again
can anyone reassure me on the or interview bit. really scared about it. feel like a criminal.

fermi

mandyl wrote: »

can anyone reassure me on the or interview bit. really scared about it. feel like a criminal.

Honestly, the interview really is no big deal.

It's an interview to get any extra information needed to deal with your case, not an interrogation.

Don't let it concern you.

mandyl

thankyou fermi
i was having visions of like, well why did u do this are you stupid or something.
part of me is excited as i need a new life ,the other part terrified x