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Hello.......

maxmycardagain
maxmycardagain Posts: 5,853 Forumite
Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
in Bankruptcy & living with it
Did I mention my discharge from BR?....

:rotfl::rotfl::rotfl:
«1

Comments

  • debt_doctor
    debt_doctor Posts: 4,595 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    No,

    But your 'cardigan' must be coming in handy in this cold weather.........

    DD
    Debt Doctor, Debt caseworker, Citizens' Advice Bureau .
    Impartial debt advice services: Citizens Advice Bureau Find your local CAB *** National Debtline - Tel: 0808 808 4000*** BSC No. 100 ***
  • maxmycardagain
    maxmycardagain Posts: 5,853 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    debt_doctor wrote: »
    No,

    But your 'cardigan' must be coming in handy in this cold weather.........

    DD

    look again....

    Max...My....Card....Again

    no wooly cardy im afraid
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    maxmycardagain wrote: »
    Did I mention my discharge from BR?....

    :rotfl::rotfl::rotfl:

    Not sure? I'll have to check back through the threads. :cool:
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • maxmycardagain
    maxmycardagain Posts: 5,853 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    soon be 5 years since I went BR, I was ED after 6 months, Ive still got the same Barclays account (no OD yet) and a Vanquis card (cleared each statement), ive had 3 lots of car insurance on DD which requires a credit check/pass...

    has going BR changed much in the last 5 years?
  • Deep_In_Debt
    Deep_In_Debt Posts: 8,579 Forumite
    Part of the Furniture 1,000 Posts Photogenic Mortgage-free Glee!
    Has it really been 5 years max? I remember you mentioning your discharge and it doesn't seem like 5 years have passed!
    Debt 30k in 2008.:eek::o Cleared all my debt in 2013 and loving being debt free :)
    Mortgage free since 2014 :)
  • mattannar
    mattannar Posts: 145 Forumite
    maxmycardagain wrote: »
    soon be 5 years since I went BR, I was ED after 6 months, Ive still got the same Barclays account (no OD yet) and a Vanquis card (cleared each statement), ive had 3 lots of car insurance on DD which requires a credit check/pass...

    has going BR changed much in the last 5 years?

    If you went br nearly 5yrs ago you still have a year to go.

    CO-OP do car insurance monthly wether you are discharged or not, so that is nothing, How big is your Vanquis limit?
  • MikeJO
    MikeJO Posts: 374 Forumite
    Part of the Furniture 100 Posts Name Dropper
    mattannar wrote: »
    If you went br nearly 5yrs ago you still have a year to go.

    CO-OP do car insurance monthly wether you are discharged or not, so that is nothing, How big is your Vanquis limit?

    If he went BR nearly five years ago and got ED after six months then he's been discharged for nearly four and a half years:).

    I went "under the judge" in July 2010 and I've had no problem with car insurance on DD, mobile contracts the same and Vanquis have just put my credit limit up to £2500 (cleared monthly needless to say).

    I don't know if it's changed a great deal tbh....other than people keeping far less of any SOA surplus.
    “Procrastination is my middle name....well it would be if I could be ar**d to contact Deed Poll."
  • maxmycardagain
    maxmycardagain Posts: 5,853 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 17 January 2013 at 1:03AM
    mattannar wrote: »
    If you went br nearly 5yrs ago you still have a year to go.

    CO-OP do car insurance monthly wether you are discharged or not, so that is nothing, How big is your Vanquis limit?

    its not nothing as in my case its over a grand and is financed by a credit company.....so there, the COOP probably self-finance without using a credit company

    my Vanquis limit is £2100

    and I dont have "a year to go" in any true sense as its possible to get finance (if i wanted it) cos ive asked, the "6 year rule" is a guideline not a law i think you will find

    I was discharged after 6 months
  • maxmycardagain
    maxmycardagain Posts: 5,853 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    fermi wrote: »
    Not sure? I'll have to check back through the threads. :cool:

    blimey, you still here?..... :T
  • dojoman
    dojoman Posts: 12,027 Forumite
    MikeJO wrote: »
    If he went BR nearly five years ago and got ED after six months then he's been discharged for nearly four and a half years:).

    But he still has a year to go before BR drops off his credit file, that is what mattannar is referring to:)
    :pB&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
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