it will be OK! I promise, you will be nervous and all that stuff but in the end of the day you are doing what you think is the best route forward and thousands of people are doing the same thing. You have made your decison and it will not be easy but you are doing the right thing - I had my BR last ...

good idea about travel card reciepts will keep them - its also because i have to get the bus at weekends too so that is why its so expensive I think I read somewhere that they allow you 200 pounds per month travel if you lived in london a travel card there for a day is almost 8.50! so it has to be f...

thanks lily! it is so expensive! that is my travel card, I don't tend to buy a weekly card as sometimes I can get lifts home with people that I work with and I always seem to end up wasting money if I buy a travel card

After wishing they would simply forget about little ole me - have had the letter to say that I have to go in for my OR interview in the first week of October to meet a Miss Seward. Hope she is nice and has kids so knows how expensive they are! I have to redo my I & E and up some things, worked out m...

Its going from bad to worse for them - everyone I know has a mortgage with them myself included - have just gone BR and want to keep my mortgage with my husband buying out my BI - should I be worried about this considering NR's position at the moment?

Hi
Anyone heard of a company called the BR fund? received a letter from them on Friday saying they were sad to hear of my BR but they could help me pay off my creditors, etc etc anyone else heard of them?

which also does beg the question why it is that NR are turning away from DMP's - as my DMP agency said you will be paying back this debt for almost 15 years and you can be sure that they are getting more than the loan was originally worth in interest alone - I do think that they think by doing this ...

Although when I was in a DMP with them they only allowed it to go for 6 months, after that time they said they would not allow a DMP to be in place, despite me taking lots of financial advice and trying to get them to see that this was the only way forward with me. (Had had a loan for 4 years and ha...

From someone who NR have personally put through so much misery with rejecting my IVA - that ladies and gentlemen is called karma!

Hi Jane I understand your concern and how frustrating it is that they are making you wait so long, I can only say that my OR assistant (wasn't the real OR that is yet to come) said that they give you a nil tax code from wherever you are in teh year and it only runs from that date to April of next ye...

Thanks so much guys you have put my mind at rest - to be fair she didn't know alot about anything, I was telling her most of it i.e. BI and what the IP had said previously and she said well its up to NR. I feel better tonight, had a good night's sleep and am now looking forward to the OR interview w...

Hi Melanie It was Bristol County Court - it was the OR's assistant - she said that she took the bones of the case then the OR would have a formal interview with me in the next 10 days - I thought it was weird she was going to write to my mortgage company, particuarly when she said the decision was u...

Yes we definately should have a coming out party! I need a drink! am fine now a bit shaky but just very tired and drained - really thought that this day would be easier than it was but i guess you don't realise how much emotional pressure you are under until it happens then after the event you reali...

Thanks Melanie - NR mortgage department were really helpful too this afternoon they said we of course want to help you - just need to get the BI bit done now - the lady at the court did say that she would be writing to NR to tell them I had been made BR and I would await their letter is that correct...

Thanks Lily you are always there with a kind word - appreciate it x