Loopy's Bankruptcy Journey

loopy_lou1

DEBTMONKEY1A wrote: »

Lou-as said earlier you are SO young....you've sorted out an impossible situation. When you reach that horrific milestone that is 30 years old (seems ages ago for me!) you WILL look back & say it was the best thing you could have done!!!

I am over 30 - I'm 33. When I was 22 I was happy that's what I said but anyway.

I know I'll probably eventually feel better but at the moment I feel sick. My OR papers arrived earlier. They're quite straightforward but I think I might need some help understanding some of it. It's horrible to see it there. My "name" of "street" and "BC No" - I think I went blind on the day of BR.

I wanted to share all of this with you.

http://www.housepricecrash.co.uk/forum/index.php?showtopic=63501&st=165

Thank you very much. I've been called all the names under the sun by strangers and they've read ONE post. Talk about judgement.

I am sorry for what I did and it's things like that that make me feel like a bloody idiot. I've been called everything. They don't know me, my family, my situation, my attempts for debt freedom. Payplan are experts and advertise IVAs and even they told me to go BR in January. I didn't WANT to do it. I HAD to.

Sorry to keep going over this - I can't shake it. I am still scared of the ad in the paper and my OR interview. I think my Christmas will be wracked with guilt to be honest no matter how hard I try.

maxmycardagain

2 weeks in tenerife should get you over it, i think i will do that after BR and the OR's phone call.

be cheap in january

fermi

The fact that you've had to go BR is very hard to deal with.

Despite the fairly unaffected impression I may give, it does still weigh heavily on my mind.

The best conclusion that I may come to over time is that it was a necessary evil. I don't revel in it, or delight in the fact that some creditors that didn't receive the entire amount owed (and some had many times over back in interest or charges) won't be paid.

However, I do feel that a persons well-being is more important than money, and I wont apologise for that.

If I could take things back in time and change them then I would, but many many people here would say the same. Life is like that. We learn from our mistakes and move on.

I wont pretend that BR is a magic wand that makes all things better. Things may be hard over the next 12 month and beyond. But what is does do is transform an impossible situation back into one that you can make something from. And for that I am grateful.

Don't lose heart or stress too much Lou. There is plenty of support here and elsewhere to help you make a new start. None of us find that particularly easy, but it is easier if we help each other.

HugoSP

loopy_lou1 wrote: »

I am over 30 - I'm 33. When I was 22 I was happy that's what I said but anyway.

I know I'll probably eventually feel better but at the moment I feel sick......

.......Sorry to keep going over this - I can't shake it. I am still scared of the ad in the paper and my OR interview. I think my Christmas will be wracked with guilt to be honest no matter how hard I try.

That's the irony.

After all you've been through you DESERVE to have that weight lifted from your shoulders. You may not see it that way now, but in due course you will.

The people that will come forward to shake your hand, or do all that touchy feely stuff like send hugs etc, and wish you the best of luck are without doubt the salt of the earth who hold this country together with their hard work, understanding and broadminded acceptance that stuff happens. These people thankfully are still in the majority. It's just that you don't hear from them very much because they spend most of their time speaking up when they need to and quietly getting on with life when they don't.

The hypocrits that berate you are pillocks who, are embitterd, narrow minded, often workshy and above all stupid. Fortunately they are in the minority but they are very vocal, as they tend to have a lot of time on their hands. They have found that the only thing they are any good at is critisizing others - they've tried hard work and it doesn't suit them. They thrive on making others feel as miserable as they are, but fail to realise that people like you are well eqquiped to move on, whereas they are not. They will never achieve anything in life whereas you already have - you have set yourself on the right road to a better life and will have learned heaps. One of the disadvantages of the internet is that these trolls have a vehicle to vent their spleen, at least they are communicating I suppose.......

As a married man who turned 40 this year I can say that I have had more than my fair share of troubles, but have been extremely lucky to have the support of a very loving wife and family. I was made redundant in 2003 but have never been happier as a result. Again, once the initial shock of the situation passed I began to weigh up the pros and cons of the situation. The old problems went away and I was faced with a new set of challenges. I have never been BR but I think this is the closest comparison I could make to your situation.

Life for me is by no means perfect now but, like most people here I can manage it better. My wife no longer worries about what sort of mood I will be in when I get home from work, I no longer lose sleep about my job, I don't shout at my family the way I used to and above all I don't suffer extreme stress Like I used to.

That is my present but it is also your future.

Be patiant and when you get there........

:rotfl: :rotfl: ENJOY:rotfl: :rotfl:

And next time you see some sucker stressing out about having to meet CC or loan repayments, you will have a smile on your face. Now that we all want to see:D

HugoSP

Blimey that was quick, I've only just written that post!

I'm glad it hit the right spot.

Hugo

DEBTMONKEY1A

Lou..got wrong age...but you are STILL young!

OR paper...it's only paper!!! The OR meeting will be over before you know it & is NOTHING to worry about.

Ignore the t*****s on the other thread.

YOU have done what's right for YOU!

Look forward to the future & Xmas-you've done the worst bit! The OR interview is a breeze compared to the act of going BR at court!

loopy_lou1

I will fill them in and after all what can I do about it now? I've gone bankrupt. I've got a meeting and I have to face this. If my name goes in the paper - I have to deal with it.
It's unavoidable so I'll just have to do it.

I am feeling a bit triumphant. Not for me. MATT DI ANGELO just got a PERFECT SCORE on Strictly. It's the first one of this series and it's the semi final. I am so happy for him and Flavia I've routed for them from the beginning. Even Mr Grumpy Craig gave them a 10!!! Their waltz was absolutely breathtaking. Last week was a proper mess but I knew he could do it.

Anyway, that's made me feel a bit better. I'll look over my forms tomorrow - for tonight it's X Factor now. I know Rhydian's going to win. I don't like that kind of singing and he is weird but he's got a great voice and he's welsh so I am routing for him.

I'M SO HAPPY ABOUT MATT!!! I was like a loony when he got all those 10s!

Media Therapy for the depression of feeling like a failure.

TaxAvoider

Hi Lou

Hope you are feeling a bit better, I have been following events, and sticking my oar in now and again I only just read your "life story" and I am glad you found the strength to get it all out in the open.

It would be nice to think you get personal apologies from certain people but don't hold your breath, I bet 99% of people who have gone BR will be able to relate to your lifestory in a lot of ways.

Enjoy your xfactor evening, not my cup of tea, I am watching Valencia - Barcelona - Spanish Football :j Great match by the way

loopy_lou1

Awwwww Rhyd was a done deal but I am glad Leon won. What a shock. I've managed to have some quality time with my mother sister tonight. I've talked about BR a lot but it's alleviated some of it. Thank you again x

tigerfeet2006

SpoiltKidsWreckLives wrote: »

you are 33?????? 33??????

What is that supposed to mean?

EDIT: posted and waited to see what the reaction would be and went!!! Hmmmm!!! First post too so joined just to try to make trouble???