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

manojsoni8

Thanks Angel.

I get around £2300 per month and following are my debts on the card:

1st CC - 15000
2nd CC - 11500
3rd CC - 8000
Personal Loan - 18000

Expenses:

Rent + Bills - 900
Other expenses - 500
Family Support - 600

So I am left with only £200 pounds per month which I pay to my CC's.

I had to send money to my family back in India. They do not earn much and got to support my Uncles family who was diagnoised with Cancer few months ago (no in last stage) and because of this he do not work. I had to support his 2 kids and my aunt. I took out Personal and credit cards loan to help my brother start a business to support my family but business failed and all the money was lost.

Now I dont know what to do. Can somebody please suggest me anything.

Many thanks for your help.

betterlatethannever

Hi manojsoni8

if you go to the main page and click this then start a new thread with all your details.
You'll then receive loads of help and advice.

You need to do a more detailed I & E. with all expenses broken down.

Hope that helps

Scarlett.1974

Afternoon all,

A little update of sorts - today is the day the repossession hearing was set at the local court for the old house. It was at 3.00pm, so I'm guessing it's probably over by now

It's actually effected me more than I expected it to I feel a bit wierd about it to be honest. Not exactly devestated (I knew it was coming after all!), but I guess...... a bit, well, sad I suppose. I assume at some point this week we'll receive some sort of confirmation that the house has been given back to Northern Rock. I do hope there's no hassel in getting the shortfall included in the BR.... I assume that won't happen until it's actually been sold

Anyhoo, that's about it from us for now. Still nothing from the OR about IPA or BRO/U :rolleyes:

So_Sad_Angel

Scarlett.1974 wrote: »

It's actually effected me more than I expected it to I feel a bit wierd about it to be honest. Not exactly devestated (I knew it was coming after all!), but I guess...... a bit, well, sad I suppose. I assume at some point this week we'll receive some sort of confirmation that the house has been given back to Northern Rock. I do hope there's no hassel in getting the shortfall included in the BR.... I assume that won't happen until it's actually been sold

Hi Scarlett ,

Thanks for the update. Hope all is OK in the rented & I know what you mean about devastated...I`m just about to leave ours having just spent blood, sweat & tears renovating it from nothing!! I feel as though I have wasted 2 years...but hey life goes on!

I wonder what happens to the shortfall if the property is sold after discharge?...is it still included in the BR? In the current market place even the auctions are`nt selling well so may be a while b4 its sold.

Also I am amazed how many times the Nothern Rock appears on this board! No wonder it took so long for reposession to go through! bet they are inundated...well they`ll have mine soon!!

Angexx

Scarlett.1974

So_Sad_Angel wrote: »

Hi Scarlett ,

Thanks for the update. Hope all is OK in the rented & I know what you mean about devastated...I`m just about to leave ours having just spent blood, sweat & tears renovating it from nothing!! I feel as though I have wasted 2 years...but hey life goes on!

I wonder what happens to the shortfall if the property is sold after discharge?...is it still included in the BR? In the current market place even the auctions are`nt selling well so may be a while b4 its sold.

Also I am amazed how many times the Nothern Rock appears on this board! No wonder it took so long for reposession to go through! bet they are inundated...well they`ll have mine soon!!

Angexx

Hi Angel

All is great in our rented place, we're all really happy here. It's just..... you know, oh I don't know how to describe it.... just knowing that today was The Day for the old house made me feel a bit odd

Yes, from everything I've been told, the shortfall WILL be included in our BR even if the sale is after we've been discharged because the debt was incurred while we were still undischarged - if that makes sense?!

dalip

Hi scarlett
Never had a house but imagine it's bit like saying goodbye to a little part of you. You know memories ect spent there, anothertime when money was not a problem ect. I don't know how you feel and i won't pretend i do but i can imagine up to a point. Hope it passes soon. We all have to say goodbye to things in bc, some harder than others, in years to come maybe you will look back with fondness rather than sadness. These things happen for reason. Take care D

Scarlett.1974

dalip wrote: »

Hi scarlett
Never had a house but imagine it's bit like saying goodbye to a little part of you. You know memories ect spent there, anothertime when money was not a problem ect. I don't know how you feel and i won't pretend i do but i can imagine up to a point. Hope it passes soon. We all have to say goodbye to things in bc, some harder than others, in years to come maybe you will look back with fondness rather than sadness. These things happen for reason. Take care D

Thank you D..... that's brought a lump to my throat You've described exactly how I've been feeling today there.

dalip

I try scarlett i really do. No matter what situation i always try to put myself in the op shoes first, then look at it from the op viewpoint. Worked so far.Sorry did not mean to upset you just wanted to comfort you.lol:o Square your shoulders, take a deep breath, now look forward and secretly say goodbye to the last of your old life and make the most of your second chance. Learn from you mistakes and GOOD LUCK girl you deserve it and if i don't see you in worcester your dead:rotfl:

Scarlett.1974

dalip wrote: »

I try scarlett i really do. No matter what situation i always try to put myself in the op shoes first, then look at it from the op viewpoint. Worked so far.Sorry did not mean to upset you just wanted to comfort you.lol:o Square your shoulders, take a deep breath, now look forward and secretly say goodbye to the last of your old life and make the most of your second chance. Learn from you mistakes and GOOD LUCK girl you deserve it and if i don't see you in worcester your dead:rotfl:

Oh no you didn't upset me I promise

Thank you so much for your kind words, it really means a lot <sniff>.

Am pmsl at your last sentance though :rotfl:

december

I can't say it better than dalip so will just offer you a massive hug. You have come so far already.

Take care

December