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| T O P I C R E V I E W |
| got there |
Posted - 13 January 2009 : 21:29:46
As a few of you already know, had a few problems finding a rental property but finally today we have had confirmation that we have the house we wanted.
We checked out "strongly" with work references, bank refs and hubbys landlord reference, but failed the credit check (you dont say)went BR in Oct 08. We were totally upfront with agents and landlords. They were fine with this said would need a guarantor. My mom offered and she was a very strong guarantor apparently, so contracts are being drawn up tommorrow for a moving in date for end of February.
Just be totally honest and upfront with the landlords/agents - any decent agent with pass the info straight onto landlords which ours have. So there is no finger biting as to whether the OR will contact agents/landlords as they already know, so it doesnt matter.
You will be surprised what situations landlords have been in previously and could well have been BR themselves so will know what you are going through.
If you are reading this thinking should I shouldnt I, but are having sleepless nights, panic attacks, endless phone calls at all hours pick up the phone, make the call. I am not saying that BR is the easy option by any means it is a very serious business but I had nothing to lose but my sanity to regain.
Good Luck to everyone, who has court dates, interviews etc soon. I know with hindsight I would have gone BR years ago, but was scared of what would happen to me and my family. We have grown stronger than ever, no arguments about money etc. |
| 14 L A T E S T R E P L I E S (Newest First) |
| got there |
Posted - 19 January 2009 : 08:16:14
Thanks Jo and Jenny,
I am soo looking forward to being a family again (me and hubby moving back in together), when we know the shortfall when house is sold etc, he will most likely have to go BR but at least we know whats involved.
Heres to 2009.
Take care GT x |
| movin on |
Posted - 17 January 2009 : 14:00:01
Hey GT
It really sounds like your off to a great start to the year - Im so pleased for you.
Jenny
xx
Onwards and Upwards is the way im going :-0)
From "Moneyworries" to "Movin On" in 3 months is fantastic :-))
xx |
| Needafriend |
Posted - 17 January 2009 : 13:13:15
Hi GT
Thats great news. Well done and before you know it you would have settled in and life will be so much better.
LOL
Jo
x
Needafriend says:
Just always remember one thing, Your not alone, your not the first and you wont be the last.
24 Weeks down
 Yippeee!
28 to go
 Im getting there!
For more info on how i have come through bankruptcy and for links to help with filling out the forms, I&E, Car Valuations, etc, etc, you can read my blog here called:~ Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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| got there |
Posted - 17 January 2009 : 13:11:30
Well, been to sign contracts and pay deposit today. Removals booked. Really looking forward to the move now.
Thanks everyone for your support and good luck to those of you who are just starting out.
GT x |
| got there |
Posted - 14 January 2009 : 19:48:11
Thanks - our landlords are actually going to retire to Spain we get on with them really well up to now, so you never know we may get an invite, cheap holiday lol. We are going to get a 12 month contract initially rather than 6 month and then rolling 12 month contracts, moving date 27th Feb - they are flying out on the 26th - so waggons roll - argghhh.
Thanks again everyone and yes Jo lets all hope for ED. x |
| sleeplessnights |
Posted - 14 January 2009 : 19:21:20
great news, keep us posted |
| movin on |
Posted - 14 January 2009 : 17:39:39
Oh Jo
Fingers crossed for that
 
xx
Onwards and Upwards is the way im going :-0)
From "Moneyworries" to "Movin On" in 3 months is fantastic :-))
xx |
| Needafriend |
Posted - 14 January 2009 : 14:04:08
Before you know it one by one we will all be posting that we are discharged and then it would be a case of where has the last few months or year gone too.
All the best. 
Jo
x
Needafriend says:
Just always remember one thing, Your not alone, your not the first and you wont be the last.
23 Weeks down
29 to go
For more info on how i have come through bankruptcy and for links to help with filling out the forms, I&E, Car Valuations, etc, etc, you can read my blog here called:~ Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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| got there |
Posted - 14 January 2009 : 14:01:54
thanks jenny x |
| movin on |
Posted - 14 January 2009 : 09:40:42
Hey Gt
Thats such good news for you - congratulations !
I too hope that 'onlookers' will have the courage to post or follow your advise, as, like you say landlords could be in the same situation in no time.
Jenny
xx
Onwards and Upwards is the way im going :-0)
From "Moneyworries" to "Movin On" in 3 months is fantastic :-))
xx |
| got there |
Posted - 14 January 2009 : 07:43:39
It is scary where the times goes, roll on the next 9 months lol.
tc x |
| Needafriend |
Posted - 13 January 2009 : 22:33:45
I second that mine is over 5 months now, its flown by.
Jo
x
Needafriend says:
Just always remember one thing, Your not alone, your not the first and you wont be the last.
23 Weeks down
29 to go
For more info on how i have come through bankruptcy and for links to help with filling out the forms, I&E, Car Valuations, etc, etc, you can read my blog here called:~ Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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| got there |
Posted - 13 January 2009 : 21:44:55
Thanks Jo, I know there will be a huge amount of people just looking at this site and not posting so I really do hope it helps at least one person and I will feel like I am putting something back, to how much this site has helped me over the last few months.
It will be 3 months on Mondat since BR and I dont know where the time has gone.
Take care x |
| Needafriend |
Posted - 13 January 2009 : 21:35:06
Hi GT
That is great news and thank you for sharing that info, i know that will be helping lots of people that are panicking about rentals etc.
LOL
Jo
x
Needafriend says:
Just always remember one thing, Your not alone, your not the first and you wont be the last.
23 Weeks down
29 to go
For more info on how i have come through bankruptcy and for links to help with filling out the forms, I&E, Car Valuations, etc, etc, you can read my blog here called:~ Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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