Feeling overwhelmed with BR process

fatbelly

Berterama wrote: »

I honestly can't wait for this to be over now, yesterday I had a bailiff shout down the phone at me that if I'd paid my bills then I wouldn't have him knocking on my door...I feel so ashamed of where we're at and yet he doesn't know how we got here, he just judged by his own standards.

Did you phone him or he phone you?

If the former, stop doing it.

If the latter, block his number.

When he comes round, just laugh at him through the window. Hopefully it will be pouring down.

Berterama

did you phone him or he phone you

He phoned me. A text was sent to me stating they would be visiting between 1pm and 8pm but I ignored it. I guess he got impatient waiting for the panicked phone call after the text went out and phoned me an hour later. He really is a piece of work, when he first turned up at our door (we weren't home) my husband spoke to him and asked to set up a payment plan... "absolutely not" was the reply. Husband says we don't want our son being party to all of this as it's really upsetting..."that is not my problem, you've put him in this position" was his reply. Except we haven't put ourselves in this position, it's been forced on us (not that it matters really but facing judgement like that when you're already embarrassed, ashamed and on your knees is hard). You've got to have a black soul to do that job

warby68

If the finance is against an unconverted van and these items are removable without the vehicle being any less than it was when it was first financed, I think it is ok to do. The amounts are significant to you and weren't part of the finance if I understand correctly.

If what you take out can be replaced with something cheaper so the vehicle remains 'complete' even better and would probably satisfy your conscience.

I too have a 'shouty' moral compass but also can see a rationale here which is liveable if we've understood correctly.

There are times when you do have to look out for yourselves just a little more than normal.

sourcrates

You are best advised to stay off the phone to bailiffs, some are extremely professional, like the guys you see on the telly, others are not so, and give the whole lot of them a bad reputation.

You do not have to agree anything with a bailiff, they make a lot of noise, but for the most part can be ignored, and certainly do not ever allow one access to your property, for normal consumer credit act debts, they cannot force entry to private property.

Bankruptcy is a big step, but its a step by step process, and its much simpler these days, it should be looked upon as a new start rather than the end of life as you know it.

Bailiffs, CCJ`s, creditors, are all stopped dead in their tracks by it.

My advice, make some time for yourself during the day, and make that phone call to National Debt-line, or try step-change, or if you prefer face to face, make an appointment with a bankruptcy specialist at the CAB, you need to talk this through with someone first, then get the plan implemented.

RattyIrk

If you have an OD facility you can still use start setting some cash aside. You may be a week or two without a bank account once you file for bankruptcy.

Sell whatever you can, as per the trail of messages.

I filed myself for bankruptcy and that stopped any claims and bailiffs in their tracks before we had any visits. The one thing I promised my partner was I would make sure we had nobody knocking at our door.

On a practical basis you have to bend your moral compass a bit to survive. Bankruptcy is because you have reached an untenable position and is a last resort survival mechanism. Elements of it are comfortable. You just have to do whatever is best for your family and look to the future. Don't sweat it. If bankruptcy is indeed for you then it will a mighty relief once you have got through the first couple of months.

Bailiff sounds a ****. That is an issue that will always be stuck with him. You get to walk away from him!