Hi could i have some advice please?

tigerfeet2006

Well done you on taking the first baby steps to getting your life back under control. When you feel more able to you will be able to take a bigger step and before you know it you will running full tilt and you will have complete control.

tiredandanxious

When i do start everything going,would it be ok to ask you guys for help and any questions?
I dont want to put on people who have enough troubles of their own
xx

tiredandanxious

Question already, when they go through your credit cards to see whats on them, what is classed as extravagant,online bingo gambling? It was the cause of most of my debt,stupidly, but dont do it anymore.
Also how far back into your bank accounts do they go?
Thanks xx

tigerfeet2006

You can ask as many questions as you like. We are here and will help all we can,

The first step is to ring one of the debt charities (see my sig.) The second step is to ring your local county court to see what system they operate, turn up or appointment and get the forms. You can also do the forms online if you wish. The third step is to get the fee's together.£150 for the court and £335 for the OR. The forth step is if you are going BR in the next month or so is stop paying any debts and just pay essential living expenses.

That's the potted version. Any questions just ask, there will usually be someone around at some point to answer.

philnicandamy

tiredandanxious wrote: »

Question already, when they go through your credit cards to see whats on them, what is classed as extravagant,online bingo gambling? It was the cause of most of my debt,stupidly, but dont do it anymore. Anything the OR isnt happy with they will ask you during your interview
Also how far back into your bank accounts do they go? i've known some people be asked to go back as far as 5yrs..me? I had to provide 3yrs details
Thanks xx

Hope that helps

Phil

tiredandanxious

why do they need to go so far back? not that i have anything to hide, just wondering.
I dont think ive got them anyway, would i have to pay the bank to provide them?

tigerfeet2006

As Phil says it can be from 1 up to 5 years because they like to see how you got to where you are.

The OR CAN OBTAIN ANYTHING YOU DON'T HAVE SO DON'T WORRY. oops! baby helping to type.

AmIdone4?

Just a quick message as I have been following this thread. Keep your chin up, and glad you feel supported, nice feeling isn't it! And no question is too silly!Ask away...:cheesy:

tiredandanxious

Hi as im with payplan can i use them to help me through BR or does it have to be a debt charity?
xx

tigerfeet2006

You could certainly ask their advice on if BR is an option for you. But it is always good to get a second opinion