Hi, I'm with Think Banking and it's great apart from not being able to do online banking (yet?). Quick question - Barclays and the Co-Op were 2 of my creditors, so when I went BR I obviously didn't want to open an account with them only to have them gobble up my salary!!! But once I'm discharged cou...

Hi all, haven't posted in a while - terrible internet probs (changed providers to try and save some dosh - but have spent what I would have saved on phone calls to try and sort internet probs out! Ho hum!) I have been thinking (dangerous I know!) and this may be a very long post so please bear with ...

I went BR in August and apart from a few ups and downs - the relief is HUGE!! This is the place to post if you have any questions - I couldn't have got through my BR without the help of forum members. Good luck for the 8th Jan!!

Welcome back Sue!!! Have been off-line with internet probs too! Feels like my right arm's been cut off!! What did we do before t'internet? Hope all's well and you're happy in your new home.

Sam
x

Gosh 8 months Skippy!!! Hasn't time flown, and as Melanie says I don't think you have anything to worry about at this late stage!!

Hi, I think my secured loan was taken out in May 2005 so I do have early redemption penalties unfortunately (I'll have to dig the paperwork out to double check). Can I assume the OR won't take these into account?

Hi all, well it's been 3 months since my BR (hasn't time flown!) But I still haven't heard anything back regarding buying the BI back. The OR wrote to me about 2 months ago asking if I was interested and I said yes, I got a written valuation done and sent it all off - but have heard nothing. How lon...

Hi Skippy, great news about your IPA. And Happy 6th month Anniversay for your BR!!! (least i think it's 6 months - i know it's the 29th cos it's the same day as mine!!!)

Hi Marcia, I think all of us on the forum can identify with the way you're feeling - it seems like there isn't anyway to turn and you think of nothing else. I won't pretend that BR is easy or is the answer to all your problems - in some ways it's just the beginning - it will affect the rest of your ...

Hi Caraf, just tell your creditors the truth - that you have a problem but you are taking steps to rectify it (if you don't want to do it on the phone - then just write them a brief letter) and you could tell them to direct any correspondence to your IP. Unfortunately they will probably still chase ...

Hi Marcia, just wanted to say that i was in the same boat as you no so long ago. I too was up to my neck in debt and was desparate to enter into an IVA, but realistically I didn't have enough surplus. I tried to juggle my figures to "fit" but the reality was I had left myself a miniscule amount to l...

Hi all, all depends on what shift I'm on, but all being well I'll be there! Tho if I'm working I'll wave to you all on my way past from my choo choo!!!!

Hi, as Skippy and Broke have said - put down what you actually spend - and if in doubt up the amount a bit. The OR can only say no! During my OR interview he upped some figures and cut other expenditure.

Hi Mick, hope your bearing up. I feel it's so silly and unfair of the OR's decision to nab your things. And I think their valuations are a little OTT. I''m also feeling a little guilty as i didn't declare anything other than my car during my BR. I've got quite a collection of DVD's but it didn't eve...

Nice one Skint, all the best for the future. xx