Wherediditallgo’s ‘path to enlightenment’ bankruptcy diary

jojopo000

Hi WDIAG

I have just finished reading your diary and wow what a journey you have had! (Hope you are feeling better now?).
Did you go BR in Brighton? Only ask as see you went out on NYE in Hove and think the volunter scheme you spoke about sounded great and I would need someone to be with me when I go BR as suffer from PND and panic attacks and dont think the courts would be happy with 2 under 5's in tow just so I could take OH with me.
You diary is so full of help and information and I have learnt so much from it and only hope I can find the type of strength you have when I do BR in the next few months.

Take care

wherediditallgo

Hi Jojo,

No, I went BR at the Royal Courts of Justice (the Strand, London) - I just spend quite a bit of time in Brighton & Hove. I'd think there are other volunteer services around at some of the bigger courts, & someone from a local debt advisory service might be willing to go with you.

Thanks for the comment on my diary. I find it difficult to keep a paper one these days, but doing it on here seems much easier & it's good to know it's of use to others besides myself.

As for my stomach, it's just as well I've got ADSL & not a dial-up connection, because I'm still doing that run to the loo every few minutes & I'm missing out on what had all the makings of a great party. I know I'd miss my bowels if I didn't have them, but I really wish they'd left it until Monday to lose the fight with gravity.

tigerfeet2006

Jojo have a chat to the CAB and see if they can spare someone to go with you.

betterlatethannever

Ohh poor you WDIAG. I had this on new years eve 2007.
Never got through so much Pepto Bismol before:o
Took two weeks before my (extensive) appetite came back.
On the plus side, its a great way to lose the xmas pounds:j
Hope you feel better soon x

rog2

Hope you're feeling better today, wdiag.

Jojo - phone the court and see if they operate a 'friends' scheme.

wherediditallgo

22 Jan – Good old LTSB. :rolleyes: They originally told me (while I was undischarged) that they'd only update my credit files once I'd posted them the original discharge documents, so they’d deal with it when I get discharged at the end of March 2008. And very smug they were about it too. I took great pleasure in contacting them earlier this month & saying that I’d be faxing my ED to them. I got a letter from them today confirming receipt of my documents, & saying my files should be updated with the credit reference agencies by mid-Feb. The letter says my credit files should be updated to show partially-satisfied with zero balance. Here's hoping I hear from the others soon.

rog2

wherediditallgo wrote: »

The letter says my credit files should be updated to show partially-satisfied with zero balance. Here's hoping I hear from the others soon.

I didn't think that they could mark it 'Partially Satisfied' after BR. I was under the impression that they should mark just 'satisfied' with a date not after your ED.

Richard_S

rog2 wrote: »

I didn't think that they could mark it 'Partially Satisfied' after BR. I was under the impression that they should mark just 'satisfied' with a date not after your ED.

Hi Rog,

As long as the balance is zero they can mark it as partially satified. Natwest do the same, and included an explanation in a letter to me, as to why they do it.

I can't remember the quoute verbatim, but something along the lines of "as responsible lenders we have to acknowledge that the terms of the contract were breached and payment wasn't made in full or at all".:rolleyes: :rolleyes:

Regards

Rich

wherediditallgo

25 Jan - Well, the deed is done. I've told my line manager that I want to reduce my hours & she's spoken to her boss about it, so now I've just got to fill in the form I finally managed to get hold of today (why is it so hard to get info from HR departments when you really need it? ), get it approved before the end of the month & then send it in to HR. Their main concern is whether I'll be able to do my job in 4 days a week, & I think I can. Yes, it means concentrating more during the day & not being quite so relaxed about the time I arrive each day, but that's no bad thing. It did irritate me a bit when the issue came up though, as if I really wouldn't have thought about that before raising the issue in the first place.

betterlatethannever

Thats good news, lets hope it all works out for you.
You might even enjoy the disipline that comes with fitting 5 days into 4.

Now you'll have loads of time to sand your floorboards:T