Do a bit of research before you make snap judgements please!

betterlatethannever

Richard_S wrote: »

:eek: :eek:

Nice editing Rich, you missed your forte in life

HeadInSand_2

Graham_Devon wrote: »

I'm lost. The mentality that I'm dealing with her is way beyond me.

I can write a post explaining things, yet AGAIN wish lou well, but nooo, has to end in more abuse.

Keep yer abuse, the stigma is alive and kicking is all I will say.

Richard, your insight into my business is truly fascinating. However, I have nothing to prove to you. Nothing. So yes, if you want, think my business is failing, you already gone off on some strange tangent about me having 1 client.

Figure this out. I'm self employed, I have proved my income to gain a mortgage in 2006, based on a self employed person. How would I do that?

Your not thinking before your typing.

I've followed this since the original thread last night - I started reading fairly open minded and interested in what the OP had to say - but have since found myself siding with Graham_Devon on this - he has remained level headed and calm throughout, but the amount of venomous vitriol spewed at him is astounding - now it seems the regulars are ganging up on him.
I have to say it did make me smile seeing someone offering hugs/kisses/roses/smiles/sweetness and airy fairy business in one post and then throwing a barrage of nasty abuse in the next, people show their true colours when provoked.
In this post I am neither applauding or frowning upon the OP's decision to go BR, but I suspect I'll now be the target of abuse for frowning upon people attacking the supposed enemy. (GD)
As an aside to someone who said their friends offer nothing but support, I can assure you there is an element of schadenfreude, gossip and 'rather them than me' going on, it is human nature at its core - again this will be refuted vehemently but...

betterlatethannever

No it won't head in the sand.
When i first came here i wondered what all the fuss and smoochy stuff was about when someone went BR. I certainly wasn't-and still am not, proud to be BR, but having gone through some really awful things in my life NOTHING, absolutley NOTHING was worse than going BR and attending court etc. Those little words of encouragement and thoughts were just what i needed.
For many of us we haven't got that much support from friends and family. I was lucky in that i did have support, but they couldn't understand what i was going through.
If you have any suggestions on how this practice could be improved i'd love to hear it, i truly would, but i can't think of anything that could be done.
I once said that 'Its takes a bankrupt to understand a bankrupt' and i still believe that. I could never put myself in a br shoes until i went there myself.

Rachman_2

BR is supposed to be a 'last resort'. From what was posted by the OP it seems as if she could comfortable afford to repay her debts if she took responsibility for them and could have paid everyone off in full. It is childish to suggest that people can't comment on that and give it a glib yet knowing "ah, well there's much more to it than that" but then give no indication of what it is - people comment on what they see, not a hidden unknown set of circumstances.

From what was posted, the basic incontrovertible and agreed facts are (Please feel free to correct):

she spent on herself when she thought she had plenty of money and did not plan for a rainy day
the sky metaphorically fell in (ill health, reduced income whatever)
she owed £34K
She is back at work and clearing £1K a month and living at home rent free
she decided BR was a more palatable option than paying off her debts
she lied and went sick from work on no notice
she was made bankrupt in minutes and then went home to watch telly and post here
lots of people said congratulations for dealing with your debt and others were less than impressed a) that she could go BR when she can (on the evidence) clearly pay her debts b) that people were 'congratulating her' and c) that she decided to take a full day off work and leave other people in the lurch

You can put emotive spin on it either way, but if you reduce it to basics and mostly from what she posted, that's what she did.

[Oh and then the laughable pseudo-lynch mob decided to pick on certain posters, abusing them for their grammar, syntax and insulting them and devaluing the entire board and when it was clear that the posters were not cowing down, decided to start reporting the thread for abuse - then the moderators, in the interests of open and free speech, decided to delete the thread, presumably because the rational posters were clearly 'winning', so better to prevent the debate than actually risk being shown to lose - which is pretty shoddy of the moderators and pretty damning for a number of people on here]

philnicandamy

Rachman wrote: »

BR is supposed to be a 'last resort'. From what was posted by the OP it seems as if she could comfortable afford to repay her debts if she took responsibility for them and could have paid everyone off in full. It is childish to suggest that people can't comment on that and give it a glib yet knowing "ah, well there's much more to it than that" but then give no indication of what it is - people comment on what they see, not a hidden unknown set of circumstances.

From what was posted, the basic incontrovertible and agreed facts are (Please feel free to correct):

she spent on herself when she thought she had plenty of money and did not plan for a rainy day
the sky metaphorically fell in (ill health, reduced income whatever)
she owed £34K
She is back at work and clearing £1K a month and living at home rent free
she decided BR was a more palatable option than paying off her debts
she lied and went sick from work on no notice
she was made bankrupt in minutes and then went home to watch telly and post here
lots of people said congratulations for dealing with your debt and others were less than impressed a) that she could go BR when she can (on the evidence) clearly pay her debts b) that people were 'congratulating her' and c) that she decided to take a full day off work and leave other people in the lurch

You can put emotive spin on it either way, but if you reduce it to basics and mostly from what she posted, that's what she did.

[Oh and then the laughable pseudo-lynch mob decided to pick on certain posters, abusing them for their grammar, syntax and insulting them and devaluing the entire board and when it was clear that the posters were not cowing down, decided to start reporting the thread for abuse - then the moderators, in the interests of open and free speech, decided to delete the thread, presumably because the rational posters were clearly 'winning', so better to prevent the debate than actually risk being shown to lose - which is pretty shoddy of the moderators and pretty damning for a number of people on here]

yaaaaaaaaaaaaaaaaaaaaaaaaaaaaawn :rolleyes:

donalduck

It really is like a children's playground in here, there is no other board like it.

philnicandamy

DD I cant really be bothered to be drawn into yet another slanging match and then be reported for so called abuse....if you hate this place so much why do you continually hang around?

feel free to modify my postings any way you see fit

Oggyoi

It seems the stigma attached to divorce in years gone by has now vanished, due to the divorce being easier to get. Does this mean BR is the new social stigma?
I know people who were made bankrupt many years ago through businesses going to the wall, who suffered mentally due to the stigma.
It is easier now to get rid of debts by going BR, but the idea is to learn from the mistakes and hopefully you are able to get your life together and go forward with a clean slate.

As with most things in life, you will find people who will take the p1ss and try to abuse things.
If a business fails due to problems or bad debts , then I have sympathy for the people involved. If the people have lived beyond their means and dragged the business under, then that is inexcuseable.

On a personal basis, people who go through a divorce and end up with 2 suitcases and a pile of debts, I can understand them looking at this as an option as a last resort too. It is the people who have 4 or 5 holidays a year, live well beyond their means and basically have dozens of credit cards and live their life on the plastic, who are abusing the BR.

As with most things in this country the laws need updating and/or changing.
I know of a " businessman" who in 1991 put money into a fledgling company, then took it out 7 months later, causing the business to go bust. He is a millionaire, who used his money as a tax write off for that year. He has since been Knighted, been high up in the sports council and the rugby League amongst other things ! His actions almost cost me my business and I had only been trading at the time 4 months !!!

Everyone is entitled to their opinions, but I think that the personal insults and comments are nasty and unwarranted !!!!

Migz

Oggyoi wrote: »

It seems the stigma attached to divorce in years gone by has now vanished, due to the divorce being easier to get. Does this mean BR is the new social stigma?
I know people who were made bankrupt many years ago through businesses going to the wall, who suffered mentally due to the stigma.
It is easier now to get rid of debts by going BR, but the idea is to learn from the mistakes and hopefully you are able to get your life together and go forward with a clean slate.

As with most things in life, you will find people who will take the p1ss and try to abuse things.
If a business fails due to problems or bad debts , then I have sympathy for the people involved. If the people have lived beyond their means and dragged the business under, then that is inexcuseable.

On a personal basis, people who go through a divorce and end up with 2 suitcases and a pile of debts, I can understand them looking at this as an option as a last resort too. It is the people who have 4 or 5 holidays a year, live well beyond their means and basically have dozens of credit cards and live their life on the plastic, who are abusing the BR.

As with most things in this country the laws need updating and/or changing.
I know of a " businessman" who in 1991 put money into a fledgling company, then took it out 7 months later, causing the business to go bust. He is a millionaire, who used his money as a tax write off for that year. He has since been Knighted, been high up in the sports council and the rugby League amongst other things ! His actions almost cost me my business and I had only been trading at the time 4 months !!!

Everyone is entitled to their opinions, but I think that the personal insults and comments are nasty and unwarranted !!!!

As a new bankrupt myself I do find myself sitting here nodding to what you are saying, and you are right there will always be the people who abuse the system, there will always be people who think it is the new fad, and I think there will always be a stigma attatched to bankruptcy.
However, the people that are abusing this system are only going to achieve one thing, and that will be the removal of the bankruptcy system for those who do actually really need it. Yes if you can pay your debts you should, but in many cases, that may not be possible and people end up at the last resort.
I my humble opinion, and everyone has been saying how 'easy' bankruptcy is, what about how EASY it is to get credit in the first place? Yes we should all be reponsible, but even the smartest person with finances can come unstuck, shouldn't it be harder to get credit in the first place, why not have it with a system so the consumer can't get into serious trouble, yes it would be very big brotherish, but isn't that the way our country is going anyway... what you borrow should only be allowed against you income... after all thats how a mortage is done!! Maybe a little of a nieve way to look at it, but to me it makes sense.

Migz

Peter_Pan

The worrying thing is that so many young single people seem to be getting into debt , is this because they should be taught budgeting at school, that credit is too easily available or is it just the way youngsters are growing up (its commonly accepted that if you stay on in education you will finish it in debt - what a way to start your adult life).
My teenagers seem to want to go out all the time and because their mates all go to gigs in London costing £30 a time they think thats the norm - is it?? I know i didn't do anything, even going to the cinema until i was out working because my parents couldn't afford it.
I think youngesters need to be educated by their parents and schools about finances and budgeting, the same as they learn reading and writing - should be the norm.