Thanks all - was thinking about this today and stating to the estate agent that I wanted to do a very quick sale (stretching the truth as it were) rather than have them say oh you could get at least blah blah for it - thanks for the advice, my OR said that they didn't take into account early redempt...

Come on now sadsack you are the most positive person I have read on these forums - take a deep breath and say to yourself I WILL GET THROUGH THIS you will and you will be a stronger person by the end of it - OK positive speech over for now all i can send you is a virtual glass of wine and some choco...

Hi Melanie Welcome back from your holiday I know that is a bit belated : ) do they calculate if they were to sell though? obviously if we couldn't afford to buy the equity from them they would then incur selling fees etc? also will I be in a position to haggle with the OR i.e. is he more likely to s...

Hi all Trust you are all well? wondered if any of you had gone through BI in BR - am just in the middle of getting my 3 valuations for my house for my OR who wants to get this sorted asap thank god but I wondered what happens when you call an estate agent? do you tell them what its for? or pretend y...

Yes I am sure that they will - I said with one of my credit card debts (almost 5 grand) that i spent the money on day to day living - I even went as far to say I robbed Peter to pay Paul that type of thing and they appreciated my honesty, most OR's I believe know the spiral of debt and how it can ov...

Douglas You will be fine, just prepare as much as you can and have answers to what you have done with your loans, mine and other people's experiences on here are quite similiar. In my OR interview which was face to face, all the OR concentrated was on my loans and what I had spent them on - go throu...

I know you would think it these times that BR is not such a issue or rather what to do with someone that is should be! I am hoping that the FSA formal complaint will at least cause them some grief - just cannot beleive that I could have actually had my money on Friday ... never mind a lesson learnt eh

Hi all Well finally after going into the branch yesterday, swearing at the woman on the phone after she told me again I couldn't have my money, I launched an official complaint with the FSA (who by the way told me that A&L were behaving illegally) got my money back hurrah! It was a complete farce, i...

Thanks Skips and Soulgrowth - feel utterly fed up today, just feel as if the BR should have been the end of it and its not. Blah blah having one of those days. Thinking about Xmas and have got a load of stuff out of the cupboard to sell on ebay so at least i should be able to buy some xmas presents ...

Thanks A do appreciate it, off now to eat bar of chocolate and read a book who said you need money to enjoy a saturday night x

Hi thanks for the advice - Aguise it is the BR bit at Alliance and Leicester that is causing this - they feel that because there has been a payment debit card made on teh account in the last week it is not stable enough and thier arguement is - if we pay you all the money back and something goes thr...

Thanks all - Ray yes that is the case but its up to the bank when they release the money so it doesn't matter what the OR says. The problem is is that the bankruptcy section is on teh phone as it were - when I went into the branch yesterday they said that they had to call this department and they go...

Hi Pippa I know you do forget you are BR then someone reminds you like this A&L situation. I wanted to go with the Co Op but my current account is with them and I owe them money on it for my OD so don't think they would have accepted me. Just spoke to A&L this morning they have now decided that Wedn...

Thanks for being so supportive - feel more angry today, just spoke to my dad and said how dare that woman speak to me like that, she doesn't know the reason behind my circumstances and to make an assumption "To be frank your credit history is less than perfect" comment is really below the belt. Am g...

PS what really upset this was the women behind the counter were really embarressed as if I was a begger wondering into a bank - and the woman on the phone was so condescending and horrible about it. Sure she had a job to do but to say I will give you 50.00 I don't care what you have been told when I...