March's 2014 BR Club

didsy1

owlet wrote: »

Thank you!! Such a relief. I'm feeling ok about it today now that It's all done. Good luck to anyone who is going through it now. The paperwork is the worst part!!

please add me to forum thursday is looming

IF

didsy1 wrote: »

please add me to forum thursday is looming

Hiya didsy1 I've added you to April's BR Club, let us know how you get on on Thursday here -- > April’s 2014 BR Club

didsy1 wrote: »

me and OH going bankrupt debts are unsecured and my debts are in my name OH are in hers she has no income and i pay our Household expentiture OH does not work if an income payment order is issued will it be just my debt on the ipo or both

Please ask your question on the main BR forum for more replies and support

Best wishes
IF

CoffeeBean_2

Hi
I have had a letter about my IPA but its unrealistic and I will end up in a mess, so worried but this morning I have compiled my letter with a realistic amount and my reasons so watch this space.....
its been over a month since court and still so stressed with it all Just want to get the IPA sorted so I can start paying and try and move on.
CB

Helpmeoutofthismess

CoffeeBean wrote: »

Hi
I have had a letter about my IPA but its unrealistic and I will end up in a mess, so worried but this morning I have compiled my letter with a realistic amount and my reasons so watch this space.....
its been over a month since court and still so stressed with it all Just want to get the IPA sorted so I can start paying and try and move on.
CB

Hi CB, sorry to hear that your IPA is not realistic :sad: you should repost your message on the main board as you will get more help there with disputing it.

H x

IF

CoffeeBean wrote: »

Hi
I have had a letter about my IPA but its unrealistic and I will end up in a mess, so worried but this morning I have compiled my letter with a realistic amount and my reasons so watch this space.....
its been over a month since court and still so stressed with it all Just want to get the IPA sorted so I can start paying and try and move on.
CB

I agree with HMOOTM, do post a thread on the main BR board and PM debt doctor to look in on it too :beer:

cancatsdance

how time flys not long to go folks hows things going

owlet

cancatsdance wrote: »

how time flys not long to go folks hows things going

I was just thinking of posting the same. 7 months in and I'm finally relaxed. I've the letter from the OR saying he has applied to be released so it's all finished. Next job is file clean up but I'll wait till after discharge. It's so good to have the weight lifted off my shoulders :-)

cancatsdance

hi all , im guess we don't have long now until were discharged

CoffeeBean_2

How is everyone getting on?

I am paying my IPA which will finish May 2017. Feels like a lifetime!

Recently had a car crash and injured my chest. I am making a claim and then it dawned on me I will have to pay it to Clark Willmott! Never mind. If I get any money I will give them a ring then and see what they say.

Hopefully due a payrise August but again not sure it will be more than cost of living but Ill contact them then.

Hope everyone is getting on well.

I have just signed up to look at my credit files. I have scripted up the letters from this forum as none of my accounts are settled which I believe they should be now I am discharged.

Applied for a Vanquis CC to start to build up by Credit file. Plan is to use it just for petrol and pay off in full each month via direct debit. Am wondering whether I should have actually waited for all my accounts to be settled? Not got an answer on the CC yet so will see.

I still worry about the BR and my future. I guess I will but I am a lot more sensible and have learnt a very big lesson in life.

CB

SomebodyToldMe

I hope you are on the mend CB
Looks like I too will have to get a credit card to rebuild my credit rating...but I have such a fear of debt, I still haven't done it yet...
Despit writing to Barclays- they still have my debt as unsettled despite 2 letters now
One piece of good news is being accepting for the Yorkshire Bank readycash account for the £150 switch from Co-op cashminder!