Welcome to the Bankruptcy Board

IF

Hi and Welcome to the Bankruptcy (BR) Board.

Hello and Welcome, Many of the posters on here have been through bankruptcy. They will be able to help, advise and also offer you support. We do have posters who have/do work for the OR and Debt charities too.

Written by Fermi our board guide:-

"Many people find that debt and bankruptcy is the cause or result of a period of great distress and anxiety in their lives. For some this can reach a stage where it is difficult to cope. So I would remind you that The Samaritans are available to help you through your troubles if the emotional side threatens to become overwhelming."
The Samaritans - Click here

Helpful Links and Information.

To post your question go to the top left hand side of BR board, opposite the page numbers and press the "New Thread" button as shown below:

And type in the Title to your thread. If your post doesn’t get answered straight away please don’t lose heart, it’s often due to not being a 100% sure we would be giving the correct answer. If you find your post is not answered and it’s on page 2, please ‘bump’ your post back up the board.

We often ask you to post your SOA so we can see if you have included what you need to:-
MSE SOA Calculator - Click here
Select the MSE format at the end. Copy and paste onto your thread.

* Blue text on this forum usually signifies hyperlinks, click on the blue links below *


For ‘essential’ BR info the ‘Look here first’ sticky by Fermi.

Beware of advice via PM.

BR friendly home insurance thread

BR Friendly Bank Accounts ~ [Updated Sep 2012 re: Co-op Cashminder withdrawal]

BR Abbreviations

Beth's Guide Reasons for your BR

Fermi's Assorted Letters

Charities who help with BR Fees

Bankruptcy NDL Guide

Basic Bankruptcy Advice & Guide NED CAB

IVA & DRO Board

If you are new/old to this board and receive/see a comment that is not helpful or insensitive please don’t let it put you off posting, often these comments are made by people who don’t normally contribute to this board and don’t speak for us.

What to do if you get an insensitive or hurtful comment


Best wishes
IF...x

IF

Every now and then we have had a number of offensive and insensitive comments made on the BR board.

What do we mean by this?
A person that posts deliberately provocative, nasty or hurtful comments on threads is know as a Troll. They may be a person with no previous connection to the board or someone that has created a pseudonym to get their point made. If you should get such a comment made on any thread you post, please realise this comment is not directed at you personally so please ignore these nasty comments and continue to post here as normal because the majority of us really are a lovely bunch – ooops, modesty! That said there are different writing styles; some brief and some harsh but helpful. If you happen to read them when you are not going through such an emotional time, you may find you are not as offended. So if they have upset you please try not to respond angrily. Most people are simply trying to help.

What should I do if I get a comment made on my thread?
Firstly do not respond to the comment as this is invariably what the troll wants.
So to get rid of the offending post, at the bottom of the post towards the right hand side you’ll see a red "Warning" triangle within a blue “Report” icon, as shown below:

Click the icon and then "send" the message with the posters name which will inform the MSE team, who will then review its content and deal with it as appropriate; sometimes even deleting the Poster by making their status PPR’d (Posting Privileges Removed). Remember, this site is an asset to so many people, especially those that feels like their world is falling in around them. There is a wealth of knowledgeable people here all willing to help, whatever you do, do not let the comments of one silly individual deter you from availing yourself of the knowledge base that is on offer here.

PLEASE DO NOT LEAVE THE FORUM

It is testament to the work that Martin has done and continues to do that so many people give their time, knowledge and experience freely to others; without judgement, to lift people out of the depths of their debt crisis

PLEASE DO NOT LET THE ACTIONS OF THE MINORITY RUIN THAT

IF

:starmod: More 'bumpers' needed :starmod:

Please join in bumping this thread, whether its just been bumped a minute ago or an hour it doesn't matter :beer:


One of the most asked questions is why is this thread not a sticky?

Its been proven not many Newcomers read the stickies first but will read a thread moving up and down the board, eventually when new posters are settled, they will then read the stickies.

Also we 'Bump' this thread, to take the thread back to the top of page 1.

To bump a thread on an internet forum is to post a reply to it purely in order to raise the thread's profile. This will typically return it to the top of the list of active threads. It has been suggested that "bump" is an acronym of "bring up my post",[1] however this is almost certainly a backronym and the usage is entirely consistent with the verb "bump" which means "to knock to a new position".[2] It can also be used in personal messages (PMs) or instant messages (IMs) on the Web, to return an older message to the top of the list.

solventsoon

HellooooooooW If :wave:

You've been busy I see, a nice new home for us and some lovely new posts as well :A:A I'm not too sure about the paint colour but I'm sure it'll grow on me :D

Hope you're OK today? :beer:

Hi Dojo :wave: Hope you're well today and the sun is still shining

IF

I am well thank you spoon :beer:

Fab weather again :dance:

solventsoon

ifwisheswerehorses... wrote: »

I am well thank you spoon :beer:

Fab weather again :dance:

Good, I'm pleased to hear that If :beer:

Well it's been nice in parts here today.... but quite a bit of rain as well in between. Lovely and warm again though :D

IF

Evening all :hello:

solventsoon wrote: »

Well it's been nice in parts here today.... but quite a bit of rain as well in between. Lovely and warm again though :D

Fingers crossed for a nice day tomorrow too :beer:

solventsoon

ifwisheswerehorses... wrote: »

Evening all :hello:

HellooooooooW :wave:

ifwisheswerehorses... wrote: »

Fingers crossed for a nice day tomorrow too :beer:

Indeedy If, I've just heard that it's supposed to be good up to and after the weekend.... maybe this is our summer :beer:

solventsoon

Good morning If and Dojo :wave:

Well it's a beautiful day here today, cloudless blue sky, sun shining and all's well with the world.... well, so far, until someone annoys me

Hope you're both well this morning and have some of this lovely weather, although you've had this all summer Dojo;)

IF

Hi and Welcome to the Bankruptcy (BR) Board.

Hello and Welcome, Many of the posters on here have been through bankruptcy. They will be able to help, advise and also offer you support. We do have posters who have/do work for the OR and Debt charities too.

Written by Fermi our board guide:-

"Many people find that debt and bankruptcy is the cause or result of a period of great distress and anxiety in their lives. For some this can reach a stage where it is difficult to cope. So I would remind you that The Samaritans are available to help you through your troubles if the emotional side threatens to become overwhelming."
The Samaritans - Click here

Helpful Links and Information.

To post your question go to the top left hand side of BR board, opposite the page numbers and press the "New Thread" button as shown below:

And type in the Title to your thread. If your post doesn’t get answered straight away please don’t lose heart, it’s often due to not being a 100% sure we would be giving the correct answer. If you find your post is not answered and it’s on page 2, please ‘bump’ your post back up the board.

We often ask you to post your SOA so we can see if you have included what you need to:-
MSE SOA Calculator - Click here
Select the MSE format at the end. Copy and paste onto your thread.

* Blue text on this forum usually signifies hyperlinks, click on the blue links below *


For ‘essential’ BR info the ‘Look here first’ sticky by Fermi.

Beware of advice via PM.

BR friendly home insurance thread

BR Friendly Bank Accounts ~ [Updated Sep 2012 re: Co-op Cashminder withdrawal]

BR Abbreviations

Beth's Guide Reasons for your BR

Charities who help with BR Fees

Bankruptcy NDL Guide

Basic Bankruptcy Advice & Guide NED CAB

IVA & DRO Board

If you are new/old to this board and receive/see a comment that is not helpful or insensitive please don’t let it put you off posting, often these comments are made by people who don’t normally contribute to this board and don’t speak for us.

What to do if you get an insensitive or hurtful comment


Best wishes
If...x

IF

Every now and then we have had a number of offensive and insensitive comments made on the BR board.

What do we mean by this?
A person that posts deliberately provocative, nasty or hurtful comments on threads is know as a Troll. They may be a person with no previous connection to the board or someone that has created a pseudonym to get their point made. If you should get such a comment made on any thread you post, please realise this comment is not directed at you personally so please ignore these nasty comments and continue to post here as normal because the majority of us really are a lovely bunch – ooops, modesty! That said there are different writing styles; some brief and some harsh but helpful. If you happen to read them when you are not going through such an emotional time, you may find you are not as offended. So if they have upset you please try not to respond angrily. Most people are simply trying to help.

What should I do if I get a comment made on my thread?
Firstly do not respond to the comment as this is invariably what the troll wants.
So to get rid of the offending post, at the bottom of the post towards the right hand side you’ll see a red "Warning" triangle within a blue “Report” icon, as shown below:

Click the icon and then "send" the message with the posters name which will inform the MSE team, who will then review its content and deal with it as appropriate; sometimes even deleting the Poster by making their status PPR’d (Posting Privileges Removed). Remember, this site is an asset to so many people, especially those that feels like their world is falling in around them. There is a wealth of knowledgeable people here all willing to help, whatever you do, do not let the comments of one silly individual deter you from availing yourself of the knowledge base that is on offer here.

PLEASE DO NOT LEAVE THE FORUM

It is testament to the work that Martin has done and continues to do that so many people give their time, knowledge and experience freely to others; without judgement, to lift people out of the depths of their debt crisis

PLEASE DO NOT LET THE ACTIONS OF THE MINORITY RUIN THAT