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| T O P I C R E V I E W |
| Most worried |
Posted - 19 May 2010 : 09:47:49
Hi to all
I have now actually booked my BR date and I suddenly find myself almost physically sick just thinking about what I am about to do!!
Is this normal??
I have, like so many others on this forum, been trying and 'wanting' to do this for several years...and now suddenly actually facing the day I feel as though the world is on my shoulders and I am the biggest loser in the history.
As I mentioned in my previous post its not the effect on myself I am so sad worried about...its if anyone around me will be affected.
I only rent now and have been for years and since I havent used any credit since about 2004-2005 I really dont remember much about those years where I did use credit!? I couldt remember what,where,how I spent the money as it felt mostly like 'robbing Peter to pay Paul'!?!
I too tried years(!) of DMP but would be around 80-90 years old by the time everything would be paid off.....so BR really is my only option so I can start looking forward to the future.
How compassionate are OR's these days? Can I be given 'a break' after years of DMP and not using credit...?
Do they take out all the old application forms for loans/cards and carfully study them and check every single statement to see what the money was used for..? I have 'deleted' all that info from my head as its just been too painful to keep.
I suddenly feel such shame,fear and worry....and I too have help from a mentioned company from this forum which I am sure have my best interest at heart....but now I am also worried about 'what if they dont??'.......at the end of the day its 'my head'...!!
Does anyone have any advise...?
Kind Regards from a maybe overworried member
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| 5 L A T E S T R E P L I E S (Newest First) |
| Most worried |
Posted - 20 May 2010 : 08:25:01
Hello to you all and thank you so very much for your replies!!
I really value the help from this site!!
I am trying to take one day at a time and keep reminding myself there have been so many thousands of others going through excactly this...and gone on with their lives.
I also try and remind myself that maybe I have a few things in my favour...years and years since used credit,never gambled away the money or bought luxuries....years on a DMP etc...
Thanks again everyone! Ill keep posting |
| Robin55 |
Posted - 19 May 2010 : 13:05:18
I went BR last February and have been discharged this February. My debts were extremely high and many of them were 'robbing Peter to pay Paul'. I was terrified of the reaction I would receive.
I can honestly say that the whole experience was dealt with amazingly. I was absolutely terrified about going to court but when I arrived I was sat with 12 other people, all from different walks of life, all going BR and all looking scared. A lady dealt with my paperwork and was absolutely lovely! that took 5 minutes and I was then sent in to see the judge who was so plesant and welcoming I couldnt quite believe it! He even congratulated me for taking the big step and moving on to a stress free life!
In all honesty I can absolutely assure you there is nothing to worry about whatsoever and my judge really did know what he was talking about when he congratulated me. I haven't looked back for a moment and I feel nothing but fortunate, completely free of shackles and ready to rebuild a fresh new life. :o)
RB |
| mark.64 |
Posted - 19 May 2010 : 12:32:06
Nice post Bridgewood, Most worried, so very true, things will def improve so much
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| Bridgewood |
Posted - 19 May 2010 : 10:28:21
Hi Mostworried
I have no doubt within a few hours there will be many posts similar to the one from housing reassuring you that the thoughts you are having are normal, and the process will not be as difficult or traumatic as you might imagine.
However, even if you know it to be the case, it is difficult not to worry about it - the fear of the unknown.
If you haven't incurred any new credit since 2005 the OR will have very little interest in how the historic debt arose - he will be more interested in what you have done since, and certainly won't review applications and statements from 5 years ago
OR's staff are only human, and will not be judgmental of your circumstances (you still get the occasional dinosaur, but they are few and far between)
As Housing says, family (and even close friends) can be (sometimes) surprisingly supportive, as can this site!
It's easy for us to say this, but you having nothing to fear, and certainly nothing to be ashamed of
It will all be over in a few weeks, and you will have the rest of your life to enjoy
Good luck
Bridgewood specialise in helping people deal with their debts and make the most of their financial situation - providing free, no obligation debt advice.
We can also setup a complete range of solutions including debt management plans, IVA and bankruptcy support. |
| Housing |
Posted - 19 May 2010 : 10:06:38
Good morning Most Worried,
What you are feeling is completely normal - it does seem like your world is caving in - it will not!!
I am discharged as at today and it feels good.
It has been a year of high emotions and it is for all of us!
I have kept two houses and had a car from the OR when mine was taken away.
The OR will be fine and so will the judge 
The OR will need to be satisfied that you have not hidden anything and I say be truthful at all times.
Do not feel ashamed - debt is something that occurs to many hundreds of thousands of people and most get through it without too many scars.
If you have family - support each other and you will come through (like I and may others have) and you can hold your head up high.
Richard
"There are no problems - only solutions" |
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