It's definite now.

user55

Phew, what a day.

First the CCCS guy this morning, he was very nice and helpful and reassuring, and without actually telling me to go bankrupt, he was steering me that way, I felt. I was very shakey and emotional this morning - lots of leaking eyes!

The CAB lady this afternoon confirmed my only option is bankruptcy. Bizarrely, by the time I saw her my mood had swung to upbeat, she must have thought I wasn't grasping the seriousness of the situation! I think it's kind of a relief that the decision is made.

So she has told me to get the forms from the court and make an appointment with her to help me fill them in. In the meantime, open a new bank account because I owe the best part of £20k to the people I have my current account with, and stop paying my creditors, including the car, since I'll be losing it anyway. Put the money instead towards the fees! She is writing to all my creditors next week to ask them to freeze interest and accept £1 a month - they won't accept it she said, so I guess that's when it gets really hard - my access to credit will be lost and the letters and phone calls will pour in.

I've been to Nationwide and applied for their basic account, and have disclosed to them the reason why, in the hopes they won't freeze the account when I'm bankrupt. They didn't bat an eyelid thankfully. I've not been to the court for the forms yet - will do that on Monday. One step at a time hey.

Thanks for helping me get this far. I hope you'll hang in there with me for the rest of the journey. I'm looking forward to the day I can come here and announce my early discharge!

AlanD_3

Good luck User!

gettingitsorted

glad to hear it went well for you ,you can fill the forms in online if you have a printer

Gorrafewquidnow

Best of luck 55, this is the first day of the rest of your life.

:T :T

user55

I can't believe this is nearly a year ago.

I've just been looking through my old posts, revisiting the place I was in 12 months ago, staring down the barrel of the bankruptcy gun. I wanted to compare and contrast with my life now - I am so much happier now, and so very much in control of my life.

I'm never going to be announcing that early discharge though...Boooo! But less than 2 months to go!

Whatever happened to AlanD?

fermi

Glad things are so much better now!

user55 wrote: »

Whatever happened to AlanD?

One too many run-ins with some trolls I think. Decided not to post any more. His OH Tigerfeet is still around though.

dalip

At first i was totally gobsmacked,thinking i've never heard of you before then i read on and the penny dropped:D . Glad you are almost there. Ed is never certain, just a bonus.Glad things have improved for you.DX

Merry_Gentry

Lovely to see someone who has come out the other end

philnicandamy

Good to see you back user55 nice to see you've been doing ok

maxmycardagain

i suppose normally BR is a 1-2 year hit then hopefully its behind you and you can move on, making this forum a short term help - much needed at the time, but with a limited lifespan?

i hope to away with the fairies in 2 years time.....even more so than now....

philnicandamy

Max if your gonna get worse God help us all :eek: :eek: :eek: :eek: