When do your DD's come out Sue?

I'm the same with Lloyds they said I could keep it as it was basic.

What's everyones take with Barclays for a basic account? Do they accept undischarged BR's if you go in branch to apply?

He won't admit it if he does feel bad haha

Ironically I need to go food shopping now!

Ah thanks, i'll get over it. Just having one of those wake up and smell the coffee days I think. I have learnt no end from all this, i'm going to take pride in saving up for something I want in future and will definately try and instill the value of money into my daughter.

Feeling for you right now Gordon, this debt thing is no fun is it.

Thank you, I feel like a bad person right now because it's all my fault and my husband had no real part in it but he's been made to pay the same as me. His only mistake was to leave the finances to me. Thanks for all your help and advice everyone I would still be struggling and losing sleep if it wa...

Thanks everyone. Shoot me now! I've never felt so stupid in all my life, the OR man was very nice but when it was all spelt out to me I realised how totally stupid i've been. He was really interested in loans and not much else. He didn't, howver, go through my income and expenditure with me, so mayb...

Thanks I will indeed let you know. My husband has already told his employer that we are bankrupt and he was ok with it, so at least he wont lose his job or the house (it's tied in with his job) which was my main worry.

Not looking for to this as I think i've said several times now haha. The interview is at 9.30 so i've got time to take my daughter to school and get back. I've read stories on here about the interview being alright but I don't think mine will be, it's a little complicated. I just want it over with n...

Sounds like a total nightmare Gordon, I hope it gets sorted very soon for you. Why do bad things always get clumped together? I like your attitude towards things though, it can get you through the bad times and I hope it does for you.

Hi Poppy, I did pretty much the same thing omitting creditors out of an IVA, I only became BR because I couldn't afford to pay for the IVA and the omitted debts - lesson learnt there. I'm not sure what will become of me regarding that as I have my OR interview tomorrow morning. I am pretty sure if y...

Yes, I paid my council tax a few days after I went BR as they had threatened court action if I didn't. I pay a whopping £205 per month! I paid it because it's an essential bill, I get threatening letters almost every day but I don't pay them unless it's a utility bill.

I'm sorry you have had this problem Skippy, I think all finance places need an update in training or something in how to deal with Bankruptcy/IVA queries as there are a lot of us about now.

Good luck Andy, hope it all goes well for you.

Hi Sue, best of luck with it all. I went through it last monday and the Court bit was fine, I was in Lincoln.