First steps make me feel sick.

tigerfeet2006

paulcornwall wrote: »

Another letter arrived today from Moorcroft, apparently i owe virgin £59 from last year, do i have to pay this, what do i do? Many thanks for you replies so far, your all being a great help.

As long as it is a provable BR debt then ignore it and put the debt into your BR.

paulcornwall

tigerfeet2006 wrote: »

As long as it is a provable BR debt then ignore it and put the debt into your BR.

Sorry, whats a provable BR debt?

Ineedaname

Anything with a paper trail...

tigerfeet2006

There are certain debts that cannot be included in your BR eg: student loans, these are non provable. The rest like your loans and credit cards and utility bills are provable and can be included in your BR.

paulcornwall

OK, thanks. The BR fee is really backing me into a corner. I feel i have no option but to use credit on a catalogue in order to sell on the goods to get the money, I know this is bad but I'm grasping at straws (and theres very few). I've been so low I've even thought of the ultimate sin, but my children keep me away from there. I guess a can of Tesco value lager is in order!

Nova2000

Hang on in there Paul, you'll get there. It's a tough time of year to be dealing with it I know, but keep on keepin' on (as cliche as that sounds! ).

tigerfeet2006

Paul, step away from the catalogue. Do not touch it. Do not even think of touching it.

Have you tried the turn 2 us website? Have you asked your CAB advisor if there is any charities locally that can help out? Have you looked at the Bankruptcy Help sticky for other links?

Ineedaname

As TF says, but also...

Have a really good rummage in the house, there must be stuff you already own which you can sell to help with the fees. My local post office does a roaring trade in advertising cards and is very popular with all the locals! Or, if you can get stuff on eBay in the next few days there's still time to sell and post for Christmas.

I've been decluttering every November for about 5 years now and I still find more stuff to sell each time.

mandyl

paulcornwall wrote: »

OK, thanks. The BR fee is really backing me into a corner. I feel i have no option but to use credit on a catalogue in order to sell on the goods to get the money, I know this is bad but I'm grasping at straws (and theres very few). I've been so low I've even thought of the ultimate sin, but my children keep me away from there. I guess a can of Tesco value lager is in order!

would that be classed as fraud? if you sell goods on knowing you had no intention/couldnt pay for them?
hang in there your get there in the end.

foxylady1958

You'll be Fine 'Paulcornwall' Be Positive,Stay Strong!See the outcome being positive!Look forward to a New and Exciting Start.Start to think differently about what you really need to buy,how you shop for food etc.If you go through Bankruptcy see it as a Positive when it's done move on don't look back.