Haven't been on the forum for a while but finally have been made Br and had the OR interview. Very professional and non-judgemental. I feel as if I have now got a future and much of the stress has gone. I am sleeping at last. I was told by the court clerk that he thought that things were changing re...

Hi there Hope, I have just gone BR myself. I had already changed to a Co op cashmninder for wages etc because my largest OD and debt was with Nat West. basic account with an electron card so you canget Internet banking and pay in shops and petrol.I think you can apply over the phone /internet I got ...

Went around and man t/c that he was about an hour late due to traffic. By this time we had had a good chat. I certainly feel that her IP has not calculated her I&E correctly which has resulted in a large payment plan and I dont know how on earth she is managing on a low salary eg food ,clothes ,clea...

kallis When I click David's "site" itj ust comes up with iva.com site and not his. I am doing something wrong.

David Mond ,or anyone more computer literate than I. I tried to log in as a 'new user' to Clear debt to get the tel number but it came up with my email is already registered so it wouldnt let me, prob from this site. Then I tried as a reg user but have not logged a password so it comes up with 'user...

Thanks for your replies. Confirms what I thought. Just found out she is with Debt Matters. I advised her to cancel but I sensed she was reluctant, prob wants a way out , and we've all been there. I shall still sit in with her and advise her to speak to other providers an the site

? on behalf of a friend who is a little naive. Only just discussed with me and I don't know the full story yet. She has an IVA of a few mths with Debt Clear .She appears to be paying a very high amount back on her income and also got in a mess with 2 mths payments Integrity contacted her -cold calli...

Just an update and more niggles rather than worries. Not been on for a while,though have discovered the BR site.I feel so much more positive,relieved etc since going BR. The Court staff and initial OR call, were stars. Treated me with such respect and sympathy. The last few days started worrying a b...

There was not a local branch for me which was a worry. However it has been great. They have a cash facility and do full on line banking. Also it has debit/ electron facility so you can pay in shops /petrol. Cheques can be paid on via post office in an envelope which is posted on but ends up being pa...

I also went BR today. I also could not believe how understanding and nice the staff were. The bankruptcy clerk told me that ( as Michael People states) "things have changed , no one is here to punish and blame but this will be a fresh start for you. I see people all the time come into Court with the...

David I don't think I have any option but to risk it.It seems that the only other way would be to continue the DMP and use some of my lump sum anywaY for a F&F next yr. Plodding along with a DMP would contiue well into retiremenet and poss beyond!! I then have really no life with the burden of debt ...

It does appear to refer to pension lumop sum. All the way throuigh it says MAY so I wonder where the discretionary element is or are they just looking at really big money ?

Blackpool. Thanks I will have a look at this website today.

John has replied to a question/post on BR site and suggested that I seek expert advice. Problem was I wanted to get on with this tomorrow. I was so relieved once I had made the decision Now I am full of worries and doubts again.

Dont know who to ask next. I went to a local IP who was recommended who said without doubt BR was the route in order to protect my pension, as it would definateley be taken under an IVA I now have the added worry of being chased for negative equity. I had always planned that the house would pay for ...