4 1/2 years on.

Stepup

Is where I'm at and there is life after br. I went br, after leaving an abusive marriage, when I then found out he'd also put lots of debt in my name.

Long story short, I had to br. Which I did with you holding my hand. I have been slowly trying to rebuild my credit not to spend. But to show I can be trusted, I've learnt and I will not make those mistakes again. One day hoping for a mortgage.

Well since then I have a mobile phone, a proper bank account, with visa, chequebook and small od. A catalogue. A store card. Ohhhh and I've just been accepted for a mainstream credit card, not a subprime one. I've also got a saver and isa.

Crazy huh? You'd think I'd never been br, and that it was still on my file for another 18 months. That said, they haven't been small limits at all and I've not racked up anything over these 4 years of rebuilding. Or going crazy with my bigger than you'd expect limits. It's been slow and showing I can be trusted. I've only gone for these things as I want my credit file to be ok after br drops off. I want to be able to show I can use these things responsibly. So one day a mortgage may not be out of my reach.

I've rebuilt my life, when it couldn't get any lower, chin up. Listen to these people and you can do it :T

lala9

What a nice story Stepup, well done to you. Your story struck a cord with me as I too was forced into BR due to an abusive ex partner forcing me into a rather large loan and then legging it with the funds. I had no option but to go bankrupt, I could not afford to live, for my sanity and to cut every tie with such a vile monster.

Glad to hear things are going well for you though, things are going well for me also, it was the right decision for me but a heart wrenching one at the time.

I'm hoping I can rebuild my credit as soon possible, 3 months from discharge at the moment. Any tips?

Lala

Stepup

Thanks. I started off quite by accident. By getting a next account. The checkout meant I hadn't realised.

I had a small limit, which slowly grew and grew. I of course never touched it.

After a few years try your luck with a new bank. I find the coop out right bar you from progressing your crfs with a normal cheque account. Or possibly savings.

Try and get a little mobile contract. Not a big monthly one, or expensive handset a cheap, basic one to tick things over.

Biggest tip, don't spend it all and fill it up Spend tiny, clear.

Oh after discharge, you must clear your Cfs using the sticky. Good luck. It's hard, but we learn the hard way huh? :beer:

tomconfused

I am still bankrupt and cant see how everyone seems to move on when I seem to be stuck still paying back any disposible income for next 36 months. Can I ask did you not have to pay this?

Stepup

I did not pay it, and I held down a job. Despite my two kids being severely disabled. I really had a hard time. No disposable. My income vs outgoings was not enough. As I had so many expenses for my children vs income. I busted a gut to still work.

So I didn't qualify for a payment plan as I was paying everything to them, for their needs, everything I had. He disowned his disabled kids you see....

I then met and married a man, who took on my kids and their disabilities and expenses as his own. Fell on my feet? Yes, but it required honesty. In the early days, if my washing machine broke down, he bought me one, I paid him back. It's how I survived.

But I spent a long time, being skint, having the "shame" of going br, heavily pregnant, having police protection from my ex.

I still think to this day, I had a good or, who did actually feel for me. Does not change I had nothing left to give. Once you've been discharged, all it takes is one. One creditor to give you the foot back in the door.....

iquit

Inspirational story, despite the challenges you've made it through to the other side. Well done.

uptheanti

thanks for the post stepup nice to hear some good news and good luck

Poodle34

Great post, and very inspiring. Would you mind sharing the name of who you got your bank account with please?

marc3

I don't know you-but alot of emotion in that post stepup.
You should be genuinely proud of yourself.

Like poodle above- am equally interested where you obtained a bank account-as its probably fair to say its unusual to be granted a cheque book facility-and i guess we are similarly interest.

All credit to yourself for being able to demonstrate that you deserve a cheque book facility

Stepup

Barclays. I've got an od, contact less visa debit and a chequebook.

The account is a year old now. So I applied and was accepted. 3 1/2 years after br. 3 years after ed. With those features instantly.

Didn't know a chequebook facility was so rare. They've just sent me a second one as its taken me a year to use the first!

sort_me_own_yard_out

I wish you all the luck in the world, it is really good to read a heart felt journey.

My husband left just before my second baby was due, it has been hard and the reason I am in such a mess now 7 years down the line. You say about workingt, I was on maternity leave when we split, the housing officer advised me to give up my job so they could pay housing benefit. I ignored her and carried on working, there is a lot more to going out to work than a wage packet and even though i was finacially worse off than I would of been sat on my !!!! watching Jeremy Kyle the pride and self respect it gave me back was priceless.

I hope you and your family have a bright future.