Vultures circling

dodecanese

I recently declared myself bankrupt, receiving a couple of letters from a "bankruptcy anullment fund" service- I threw them away and ignored it.
Today, I was innocently watching the omnibus of "Hollyoaks" ( sad, I know, but I like it ) and I got a knock at the door.
Openned it to what I can only describe as a thug in a suit asking for myself- in a VERY imperious tone.
At first I thought could it possibly be the OR (putting in a bit of overtime) as my statements/accounts were obviously so bad? Then I thought- its obviously a doorstep collector- but no- its a company who are "keen"to annul my bankruptcy.
I told them Im not interested- but not before they bellowed at top volume "but we can annul your BANKRUPTCY"- great- now my nosey neighbour- who was hanging about in the background, knows everything.
I was worried about the postman blabbing- imagined "INSOLVENCY SERVICE" printed on all my post( it has so far come in discreet brown envelopes)- or it being splashed across the local paper.
But no- people keen to sell me a "service" have let all and sundry know. My neighbours are all pretty conservative and next door is pretty horrible(grumpy old man)- they are going to love this.
They'll probably call the police because a bankrupt is on the loose. Or ring the Insolvency service and tell them to come round me up, clap me in irons and throw me back in Newgate.
I totally accept the restrictions of being bankrupt- am just getting prepared to be pitchforked out of house by outraged pensioners;)

dalip

Oh Dod
I can so relate to everything you just said. I live in a small village where everyody knows everybody. My postman has lived/delivered here all his life so i know he knows(brown/white envelopes with IS address stamped on them!)but it is more than his jobs worth to comment to me or anybody else They have to sign some sort of secrets thing.

Anyway as i have said before on this forum i have,other than go to work or shopping,not been out of the house less than about 4 times since nov. I was so scared somebody would say"saw your name in the paper"ect. I was so ashamed but it does get easier really. It is so hard to ignore the looks,even if they don't know you think they do.lol I too am surrounded by pensioners who gather for a "friendly" chat in the street outside. When they turn their back on your house you can bet your bottom dollar they talking about you!!!.

Todays gossip will soon be yesterdays news and they will soon move on to somebody else's private life. Ride the storm dod and it will all soon calm down.
You have to take the rough with the smooth with bc,so shoulders back and head up.
Oh and by the way the OR does not do overtime or home visits:rolleyes: .
Good luck with te rest of your bc. X

kazwookie

Ignore them

I am sure the postman / woman has more important things to worry about than where / who your letters are from.

Get some proper advise about your problems, and then set an action plan up to deal with them.

Putting letters etc in a draw does NOT make them go away.

Oh and if you haven't got one, fix a door chain and use it.

dalip

kazwookie wrote: »

Ignore them

I am sure the postman / woman has more important things to worry about than where / who your letters are from.

Get some proper advise about your problems, and then set an action plan up to deal with them.

Putting letters etc in a draw does NOT make them go away.

Oh and if you haven't got one, fix a door chain and use it.

Hi
I think you should read dod's post again. He has delt with his problems,he went bc a few weeks back:D . The letters he threw away are what we all get 2 days after bc from companies offering to annul the bc for massive amounts of money.lol

FeelingLow

yes i got the letters too, i didnt get anybody knocking on my door though thank god!

AmIdone4?

Morning Dodecanese

Top of the morning to you (and some positive vibes)

Just to say hello and give a bit of bsc/mse support to a comrade in need (slight apologies, I'm in an ultra inspiring mood this morning :T) and to agree with Dalip, that if the neighbours do know about your business thanks to the 'goon in a suit' then hopefully they'll have something to occupy their [STRIKE]tiny[/STRIKE] minds for a few days and not bother you... while you get on with living!

Tremendous...

skylight

Old people moan about anything (oh god - we will all be there one day.....) as amidone4 said, it will occupy their minds for a few days then some more interesting gossip will come their way.

Hold your head high - old people are mainly a bit on the deaf side anyway, so probably didn't even hear.

fiveyearplan

skylight wrote: »

Old people moan about anything (oh god - we will all be there one day.....) as amidone4 said, it will occupy their minds for a few days then some more interesting gossip will come their way.

Hold your head high - old people are mainly a bit on the deaf side anyway, so probably didn't even hear.

THey have selective hearing and that is most likely something the can hear! I've already come up with a response if anyone says they saw my name in the paper (luckily it wasn't in this week's paper). I'll just say "Do you really read that section of the paper? What on earth for, that must be so sad" then say "and what are you hoping to achieve by asking me about it?" :rotfl: or something along those lines anyway. I'll let you know what the replies are!

fiveyearplan

... or - "I always wondered what kind of people read that section of the paper."

JCS1

Oh yes, Bankruptcy Protection Fund is the most well known one - they send letters to everyone, even those with no assets.

Never heard of such companies doing home visits before, but there has been a change recently meaning creditors must be paid in full before an annullment could be granted. Before, a solicitor, could give an undertaking to court that they had the money and would pay off all creditors after a secured loan/remortgage had gone through.

Home visits probably as a result of less cases due to the change. Though I would expect some discretion - if I was trying to get hold of someone and their child answered, or if phoned at work and a colleague answered, I would never say where I was calling from - you could complain to his office about that aspect.

fiveyearplan

I received a letter from one of those companies about 3-4 days after my BR. I was expecting it and I filed it accordingly - in the bin!