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reckless behaviour before bankruptcy

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Comments

  • sosilly81
    sosilly81 Posts: 29 Forumite
    Hi thanks for all the replies.
    I really don't care if I get a bru/bro. I'm just concerned that about half the credit I took was only 2 weeks ago. I didn't lie on the forms just didn't use it for what I said it would.
    Are these creditors likely to pursue me for fraud or maybe be excluded from the BR?
    Thanks
  • A4445
    A4445 Posts: 1,103 Forumite
    Cobalt77 wrote: »
    The other card which doesn't seem to give a flying fig is that Vanquis one - so long as you have a pulse and have been discharged, they will give you one (again, it has the usual 30%+ APR)

    I used to think these APRs were a complete peace take. Then they invented Payday Loans :)

    Payday loans are shocking! I feel they prey on vulnerable people!

    I can't have a vanquis card they were one of my creditors and when I tried to apply it says I already have a card. However I'm really happy with the accounts I've opened so far, more than enough to get the rebuilding going. I was shocked to get anything TBH.

    I will be super happy in October once the BRU is gone for good! Not sure where the last 6 years have gone!
  • sosilly81
    sosilly81 Posts: 29 Forumite
    Thanks everyone.
    Well I'm just out of my first GA meeting and glad I went. Was pleased I even managed to face the 'CHAIR'!

    Biggest revelation was the fact that I walked in there thinking my biggest problem was my debts. I'm now realising that's not the case. My far bigger problem is the gambling. And I feel so much better for going. I will beat this.
  • Abitdown
    Abitdown Posts: 51 Forumite
    Sixth Anniversary 10 Posts Combo Breaker
    Yes, you will.

    Best of luck!
  • Cobalt77
    Cobalt77 Posts: 238 Forumite
    Abitdown wrote: »
    Best of luck!

    Maybe not the best phrase to use with someone trying to cure a gambling addiction :)
  • tigerfeet2006
    tigerfeet2006 Posts: 14,030 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    sosilly81 wrote: »
    Thanks everyone.
    Well I'm just out of my first GA meeting and glad I went. Was pleased I even managed to face the 'CHAIR'!

    Biggest revelation was the fact that I walked in there thinking my biggest problem was my debts. I'm now realising that's not the case. My far bigger problem is the gambling. And I feel so much better for going. I will beat this.

    Well done sweetie.
    BSCno.87
    The only stupid question is an unasked one
    Loving life as a Kernow Hippy
  • luvchocolate
    luvchocolate Posts: 3,434 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Home Insurance Hacker!
    really good news, well done..stay positive it can only get better
  • Amiga
    Amiga Posts: 241 Forumite
    Things will only get better my friend. Kicking gambling is hard but once you do you feel wonderful.
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