Our BR Diary, from start to finish......

wherediditallgo

Well done, Scarlett, & congrats on the Co-op account.

Though it's tempting, I wouldn't throw any creditor letters away just yet. You could ring them & give them your BR details (case number, the date of the hearing, the court you appeared in, & the name & address of your OR) over the phone - if any of them ask for a copy of your BR order, you can tell them you have no legal obligation to provide that, as they can verify what you've said with the OR & also check the Insolvency Register online. Then either forward the letters to your OR, or keep them until your BR has been fully sorted out. I kept most of mine until I was discharged, & I won't be getting rid of the rest until all my credit files have been fully updated. I realise that's probably me being rather over-cautious, but I don't want to get rid of anything I might later need.

Scarlett.1974

No problem Tigerfeet, you just say where and when and I'll be there My fees are very reasonable..... cash in hand though please

Thanks WDIAG, I'll keep filing them then Inluding the one I've just received this morning who are threatening a 'doorstep agent to call and collect the amount owed'.... I'll just give them a quick ring now and give them the good news......;)

tigerfeet2006

Sure we can sort something out Scarlett

Wish I was a fly on the wall when you ring them and give them your good news :rotfl:

Scarlett.1974

Oh, I wish I'd recorded the conversation :rotfl:

Nasty DCA person: Good morning, Nasty Debt Collectors, can I have your reference please?
Me: reference number is xxxxxxx
NDCAP: Can you confirm your name and address.
Me: no problem xxxxxxxx
NDCAP: Can I take a telephone number?
Me: oh no, I won't be giving you that.
NDCAP: What about an email address?
Me: oh no, I won't be giving you that either
NDCAP: okay, will you be paying by debit or credit card this morning?
Me: oh no, I won't be doing that either
NDCAP: Errrr.............. <sounding very puzzled>
Me: I'm actually calling today to inform you I was made BR last Monday.
NDCAP: oh, okay then. Can I take your OR's name and your BR number?
Me: Indeed you can, it is xxxxx and xxxxx
NDCAP: Er.... thanks then.
Me: you're very welcome, bye now

tigerfeet2006

:rotfl: :rotfl: :rotfl:

Now don't you just feel so goooooooooooood!!! Bet that really made your day

wherediditallgo

Excellent. :T Making those calls to a company who've been horrible to you is one of the few joys of being BR.

fermi

Hmm....... The DCA's are learning. At least they knew what to ask for.

Got any more to call?

Scarlett.1974

:T Thanks guys

I've done most of them now I think and Potless has took care of the mortgage and secured loan people

You're right WDIAG, they've been SO horrible that I definitely enjoyed that phone call more than I should have

Notgotapottoweein

Scarlett.1974 wrote: »

:T Thanks guys

I've done most of them now I think and Potless has took care of the mortgage and secured loan people

You're right WDIAG, they've been SO horrible that I definitely enjoyed that phone call more than I should have

You are learning dear.

we'll make a hard line communist out of you yet:D

Scarlett.1974

Notgotapottoweein wrote: »

You are learning dear.

we'll make a hard line communist out of you yet:D

Not bloody likely :rotfl: I'll always be a liberal lefty at heart