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Hooray!! My 6 year anniversary is today.
fiveyearplan
Posts: 10,145 Forumite
6 years ago today I was already at the Royal Courts of Justice, wanting to be first in the queue to declare my bankruptcy. It took all day but I still remember the relief when I left the court. I really had a spring in my step and couldn't wait for my first post BR creditor call. It was, no surprises, Barclays! They hounded me for months starting at 8:30 every morning and 8:59 every evening like clockwork. What a pleasure it was to start answering the phone again.
I can honestly say I haven't been hindered by my BR, the only thing I can think of is that I got a job at the Bank of England last summer but failed the security check but it was only a maternity cover job anyway.
I was able to keep my house, thankfully the credit crunch hit at the same time which meant I had little equity at the time and bought that back for about £500. House price has now gone up tremendously and I am so thankful for that!
I want to thank everyone on this board for all the help and advice I received. It is nice to see that many of you are still on here helping people.
For all of you lurking in the background wondering if BR is for you or feeling is despair because of your circumstances all I can say is it DOES get better, really!
So today I will celebrate in my own quiet way and send off for my credit report. I still have a CCJ and one default that I couldn't clean up however they will drop off soon so not too worried about that.
I can honestly say I haven't been hindered by my BR, the only thing I can think of is that I got a job at the Bank of England last summer but failed the security check but it was only a maternity cover job anyway.
I was able to keep my house, thankfully the credit crunch hit at the same time which meant I had little equity at the time and bought that back for about £500. House price has now gone up tremendously and I am so thankful for that!
I want to thank everyone on this board for all the help and advice I received. It is nice to see that many of you are still on here helping people.
For all of you lurking in the background wondering if BR is for you or feeling is despair because of your circumstances all I can say is it DOES get better, really!
So today I will celebrate in my own quiet way and send off for my credit report. I still have a CCJ and one default that I couldn't clean up however they will drop off soon so not too worried about that.
:j :j
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Comments
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Brilliant news FYP, I'm so pleased for you, here's to you and yours :beer:
Love
IF
"If wishes were horses, then beggars would ride"
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Not quite a newbie as you think
;) (the member formally known as philnicandamy!)
FINALLY a qualified CAB debt caseworker 2015..:p
BSC 58
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Congratulations, it's lovely to read that BR isn't all doom and gloom and most people come out of it feeling it was the right thing to do.
Enjoy putting it all behind you .0 -
wonderful news xx0
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Phil - I still can't get used to your 'new' name. Poor Amy RIP!
:j :j
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fiveyearplan wrote: »Phil - I still can't get used to your 'new' name. Poor Amy RIP!
I know.....bless her miss her tons still do....
not around here as much as I used to be but some days always lurking in the shadows!:DNot quite a newbie as you think;) (the member formally known as philnicandamy!)
FINALLY a qualified CAB debt caseworker 2015..:p
BSC 580 -
Wow! FYP, 6 years already. That seems to have gone fast, though I expect it didn't seem it to you. Well done on getting through it all, things can only get better and better.BSCno.87The only stupid question is an unasked oneLoving life as a Kernow Hippy0
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mine was over 7 yrs ago now....scary!Not quite a newbie as you think;) (the member formally known as philnicandamy!)
FINALLY a qualified CAB debt caseworker 2015..:p
BSC 580 -
Congratulations FYP,
8 years for me now, time does fly.
DDDebt 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 ***0 -
Well done FYP :T:T:T:pB&SC No. 298
Life`s Tragedy is that we get OLD too soon
and WISE too late!0
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