Skippy, Melanie - lovely to hear from you too. Yes, all going okay thanks. Have been discharged, so no BRO, although still have 18 months of IPA payments. I am feeling much more positive about life now, and am feeling better about things. I am still saddened that I had little option but to declare m...

Hey everyone, just wanted to add that this forum was a lifesaver for me, when I was faced with declaring myself bankrupt. Everyone helped so much, and helped me to make sense of it all. Andy, Skippy, Melanie and everyone else - my sincerest thanks. I haven't been on for a while, but nice to see so m...

Hi Skippy, thanks for your answer. Life is quite hard at the moment - unexpected expenditure such as medicines, prescriptions (I had to have 4 recently!), knocks you for six! I have this deep guilt about letting my creditors down. I have been suffering from depression for the last 2 months also. But...

Hello all, and may I wish you all a happy, healthy new year. Sorry I haven't been logged on for a while, have been ill, with no internet access at home [:(]. Since my last post, I have had my income and expenditure agreed, and signed my IPA. I am just wondering, will I have to pay 100% of any additi...

Hi Skip, I hope you are well. Quick question - does the OR ask you to complete a new I+E every year for the 3 years of the IPA? Also, do you have to do a new I+E each time your income changes? Any help appreciated! I have just posted off my IPA - I am going to have to be strict with myself, now I am...

I am still having terrible trouble with certain creditors. I have telephoned each and every one of them, and explained I am BR. Last night I got yet another call and the red mist came over me - I lost it. Told them their records were a month out of date, and they were breaching Data Protection Act b...

Well done for getting this far, and good luck for the future. D.

Hi Mick, I answered on your other thread! Glad you had a good time on Saturday. Wishing you good luck and best wishes for your interview. D.

Hi Mick, when I numbered my documents, I got all statements for each creditor , in date order. Then I numbered the first statement of each creditor. Hope this makes sense? D.

Excellent news - good luck for the future. D.

Hi Mick, as you know I had a face to face interview with the OR, which lasted for ages! Still, done now! Regarding your I&E, I would say your Gas / Electric is a bit low, as mine costs circa £100 a month, travel seems low, but clothing a bit high! Just my thoughts, and please be assured I AM NOT AN ...

Andy, Pippa, Kez, Jane, Catullus, Skip, Mish - thank you all very much. My father said that NR phoned 8 times whilst I was at work yesterday! What a disgrace. He told them I wouldn't be there till after 6, but they just kept calling and calling. So I spoke wtih them last night, and I am really sorry...

Hi all, I hope everyone is okay. I am getting hassle from a couple of creditors - constantly. NR are calling 3 times a day, even though I keep telling them I am bankrupt. One of the credit card companies has called and demanded payment of arrears, even though I have told them that I am bankrupt. The...

MBNA were the worst for me - they were very rude, and quite nasty! D.

Well done Skippy - 31 to go then, eh! D.