dummy run to the court today

Sweet_Sloth

Just been browsing some of the threads as not been on site for 7 mos now - how time flies!!

Lots of brave people here who have struggled for yrs with debts, amongst other things, regardless of what other people say/think about BR.

I'm kinda looking for some advice myself, and will try to post my SOA, but bear with me as not done this before. Maybe someone could comment if their debt was lower, higher or even around the same as mine so I can get an idea of what I'm dealing with here. Logic tells me I'm in big trouble and will never be able to afford to pay everything off; making me question if a life like that would be worth living (especially as most of the debts are my fault through impulsive spending, holidays, gifts for occasions and for non-occasions , but also through starting out living together and as a married couple buying necessities too and student loan payments! After awhile it started to become "Robbing Peter to pay Paul," as the consolidated loans would allow us to pay credit cards but then we would pay student loans on cc, and on and on and on....).

My partner too is suffering because of me - he is such a hard worker and tries everything he can, but over the last 2 yrs has become increasingly angry and disgruntled that no matter what we try it seems to make no difference to our financial circumstances!!! I have even though of getting a 2nd job, but with taxes it would be gone before I could say "debts"! Also, I can't shake those niggling doubts and worries that going BR is giving up, giving in, and irresponsible as it means the taxpayer is shouldering my debts instead of me.

SOA:
1) £20,000 - Personal Loan taken out for us via in-laws
2) £22,249.50
3) £17,241.75
4) £10,665.16
5) £2,743.43
Total=£52,899.84!!!!!!!!!!!!!!!!! (Not counting rent, daily living expenses, student loans, etc...)

Any help, advice, or comments would be greatly appreciated.

Cheers, Sloth x

LesleyL_2

even these may not be enough...........i may have to watch dancing on ice or even graham nortons show...

oh no Max, I never thought of that .......Graham Norton :eek: :eek: can I have a BRO instead please :rotfl:

Sweet_Sloth

Just been browsing some of the threads as not been on site for 7 mos now - how time flies!!

Lots of brave people here who have struggled for yrs with debts, amongst other things, regardless of what other people say/think about BR.

I'm kinda looking for some advice myself, and will try to post my SOA, but bear with me as not done this before. Maybe someone could comment if their debt was lower, higher or even around the same as mine so I can get an idea of what I'm dealing with here. Logic tells me I'm in big trouble and will never be able to afford to pay everything off; making me question if a life like that would be worth living (especially as most of the debts are my fault through impulsive spending, holidays, gifts for occasions and for non-occasions , but also through starting out living together and as a married couple buying necessities too and student loan payments! After awhile it started to become "Robbing Peter to pay Paul," as the consolidated loans would allow us to pay credit cards but then we would pay student loans on cc, and on and on and on....).

My partner too is suffering because of me - he is such a hard worker and tries everything he can, but over the last 2 yrs has become increasingly angry and disgruntled that no matter what we try it seems to make no difference to our financial circumstances!!! I have even though of getting a 2nd job, but with taxes it would be gone before I could say "debts"! Also, I can't shake those niggling doubts and worries that going BR is giving up, giving in, and irresponsible as it means the taxpayer is shouldering my debts instead of me.

SOA:
1) £20,000 - Personal Loan taken out for us via in-laws
2) £22,249.50
3) £17,241.75
4) £10,665.16
5) £2,743.43
Total=£52,899.84!!!!!!!!!!!!!!!!! (Not counting rent, daily living expenses, student loans, etc...)

Any help, advice, or comments would be greatly appreciated.

Cheers, Sloth x

LesleyL_2

hi Sweet Sloth

your post may get lost on the end of this thread
hopefully someone with more knowledge will come along and move it onto a thread of its own so you get some helpful replies

glad you found the board, you will get a lot of useful help and support here

Lesley

Sweet_Sloth

Thank you for this Lesley - unsure where to start these things. Hope you are ok on Tuesday. Just try to remember you aren't the only one in that situation. Glad you feel calmer after your drive - anything you can do to make you feel a little more in control on the day and with your emotions is a good thing. Good Luck and take care - SSx

LesleyL_2

thanks SS, appreciate your kind words

as no one else has come by with a suggestion, I think it would be worth you reposting this yourself under a new thread as I am sure you will get more responses that way

wherediditallgo

LesleyL wrote: »

hi Sweet Sloth

your post may get lost on the end of this thread
hopefully someone with more knowledge will come along and move it onto a thread of its own so you get some helpful replies

glad you found the board, you will get a lot of useful help and support here

Lesley

I've copied Sweet Sloth's post into a new thread here. I've changed the title to make it a bit more informative for those checking on new threads.

rfdebt

Hope everything goes well for you

villageidiot_2

I did exactly the same thing last week at the Royal Courts in London,picking up my BR forms at the same time.It's such a huge place to find your way around,and now i know where i'm going i won't have to queue up with the hundreds of other people at the reception for directions.

Anyway,good luck for Tuesday Lesley.......

LesleyL_2

thanks rfdebt and village

are you doing yours on Monday Village?

good luck with yours too

Lesley