Post Bankruptcy...how it's going for me

MammaCas

Richard_S wrote: »

other times I'd pass the phone over to the grand kids (MBNA did manage to sell the youngest a credit card :rolleyes: :rolleyes:
We could have changed our phone number but that would have spoilt the entertainment.:D

Regards

Richard

lol! :rotfl: :rotfl:

Actually MBNA keep sending my son their !!!!!!, sorry, 'pre-approved' applications forms. I have threatened death on him if he EVER takes them up on it....

Richard_S

MammaCas wrote: »

lol! :rotfl: :rotfl:

Actually MBNA keep sending my son their !!!!!!, sorry, 'pre-approved' applications forms. I have threatened death on him if he EVER takes them up on it....

I know how you feel MamaCas, both our youngest are inundated with offers of cards and loans, :eek: :eek: and they do have a credit card each, :rolleyes: but they've had some very stern lectures about how to use credit appropriately:think: :think: , and we do need to borrow a card when we go abroad if we want to hire a car:wave: :wave: .

Richard

psycrow57

Please tell your OR, then when they call again repeat your BR number and hang up the phone. They can't do this to you - your debt has been cleared, and their business is now with the OR, not you.

When I was going BR, my mobile was ringing 15-20 times a day. In the end, knowing that my contract would be cancelled, I called the phone company to tell them I could no longer afford to pay and asked them to cut the phone off, and by OH bought me a pay-as-you-go phone as a present. Obviously there were no more phone calls, but it did make me chuckle to think of their frustration at getting a dead phone every time they called from then on!

Seriously though, whilst it is fun to mess them around a little, you obviously do not need this additional stress - do not let them get into a conversation, or let them wind you up. I would call the OR, say they are harrassing you and explain just how bad your health is and that you worry about having another stroke - I'm sure the OR will have stern words with them. When I went BR I was seriously unwell and on a huge amount of opiate painkillers and could barely cope with the smallest things - if I hadn't got a new phone, they would have made me seriously unwell with the stress. If any of them had spoken to me the way they're speaking to you, I'd have gone to pieces - as if we don't feel guilty enough.

I'm guessing they're calling your landline? If so, maybe get a caller ID box so you don't have to answer the phone? They'll stop if you never pick up.

So_Sad_Angel

frodo_baggins wrote: »

Hello everyone.

1st things 1st, i've now got a new bank account at Barclays, just the basic account,went to a branch near where I live, the day I got my order and took what I needed to, left everything with the personal banker and arranged to go back yesterday. Barclays opened the account and there was no problem, told the lady I was BR,though she already knew this, I have to say she was so helpful,very understanding about my situation and importantly didnt judge me. She told me that the account had been opened and would I like to ring work to give them my new account number and sort code and that why I was on the phone to them she'd go and get me a drink, which she did,1st class servive I thought.

Regarding my creditors i've had about 6/7 phone calls from them and just the 2 of them have been funny about it,if you read my origanal post you'd know what i'm on about. They called again this morning and had yet more fun with them, they really do think their above the law,i'll give you a brief account of what was said....

Them...Why did you go bankrupt?
Me.....Because i'm getting over 2 strokes and you keep hasseling me
Them....But what about accepting responsibilty for the money you owe us?
Me....Who are you, my Mother?
Them...Dont try and be funny with me
Me...wouldn't dream of it as I doubt you have a sense of humour
Them...Now you listen here
Me...No, you listen to me,you keep this threatning behaviour up towards me and I'll just let my OR know what your playing at,you wont dismiss him in the way you think you can me
Them...This call is being recorded you know
Me...excellent, I hope it is and thanks for telling me,sure the OR would like to hear this
Them....We will keep calling you know
Me..Go ahead and keep calling,it's your company that's paying for the call not me

Now it's not bothering me them ringing,just a nuisance to be honest,think i'll let my OR know all about this. To all of you that are thinking of or have gone Bankrupt, dont let them threaten you,they dont like it when you be sarcastic towards them.

Hi Frodo,

I have been on receiving end of similar calls this week...your post made me smile...Thanks for sharing....you`re a legend !!!


Angelxx