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movin on
Average Member
United Kingdom
946 Posts |
 Posted - 27 September 2008 : 13:45:02
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Hi
Under what circumstances could the OR give a BRO/BRU - i have heard so much about them but dont know why people get them
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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digman
Junior Member
United Kingdom
319 Posts |
Posted - 27 September 2008 : 13:53:00
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Hi , im no expert but from what i gather a BRO/BRU is given in cases of gambling , perceived recklesness , taking credit with no reasonable expectation of paying it back .
There are prob others as well but they are the ones i know about .
I will def be getting a BRO/BRU as my main cause of BR has been compulsive gambling .
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 27 September 2008 : 13:57:30
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Thanks Digman
I guess its up to the OR's discretion then ? lets hope i dont get them on a bad day !!
This website has given me so much info, im so glad its here.
When is your date? mine is on 13 October, feels like ages away i keep wanting to phone incase they had any cancellations
I hope your getting through your debt problems with some help.
Thanks for the advice
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 27 September 2008 : 14:34:02
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Hi Digman is totally right. And yes it is up to the OR to whether they will want to put you on one.
I think they can apply up to the discharge date and if they have not got it in time they can apply to hold off on your discharge until they have it in place.
Jo x
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
For links to help with Bankruptcy, useful web pages and also a run down of my new debt free life, both before and after Bankruptcy, then please visit my blog:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 27 September 2008 : 15:10:50
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I have no reason to beilieve that i will get one, based on that however at least now i know what people are talking about
Thanks
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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digman
Junior Member
United Kingdom
319 Posts |
Posted - 27 September 2008 : 15:43:34
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Hi ' moneyworries' , yeah our date is next friday 3 october . i only rung up last week to get date so doesnt look like they are over busy ' up north ' .
Good luck with yours , i think i am going to need more than luck to get thru mine !! LOL . There are a couple of things which could be veiwed in a different context to the way they happened , but all i can do is explain and hope the OR accepts what i have said . |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 27 September 2008 : 15:44:50
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Hi Moneyworries,
I agree with Digman in respect of the usual circumstances that a BRO/BRU is given. Do you think you may have done something to get one?
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 27 September 2008 : 16:24:10
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Julian
From what has been previously mentioned that i will not be happy if i do. I didnt actually realise i had no alternative to go BR until maximum of 2 weeks ago.....and its been months since i used or opened any new cards etc......then again i could be wrong, what do you think - im questioning myself now
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 27 September 2008 : 16:44:19
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Hi Moneyworries,
I don't think you have anything to worry about. Your situation certainly wasn't planned and I'm sure the OR will see it that way. You have done nothing the OR hasn't seen many times before ... in fact, most people will exhaust all lines of available credit before going BR. Don't worry!
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 27 September 2008 : 17:20:19
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Digman
Im sure it will go fine - from what is said here the court is the easiest part - im terrified of the OR, but like you say, we can only say what happened when and why they happened and leave it up to the OR.
Wish my date was closer - keep thinking should i phone a different court.
Have you let our creditors know your going BR or will you let the OR do the explaining?
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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digman
Junior Member
United Kingdom
319 Posts |
Posted - 27 September 2008 : 17:50:07
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Hi 'moneyworries'
yeah i am terrified of OR as well , think partly down to fear of the unknown as the control of the situation will be out of my hands .
as for telling creditors i am not going out of my way to let them know but when they ring up now i tell them am going BR on Fri 3rd . All they say is ok , please let us know when you have done it . Have told Goldfish , Co-op credit card , Capital one , Lloyds credit card and one of the payday advance companies so far . Not had any abuse or stuff like that , which i thought i would get .
Will post on Fri saying how it went |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 27 September 2008 : 19:03:49
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Hi Digman,
I never told anyone until the day we did it, im one of these that thought if i told them then it would all go wrong and it wa smy last resort.
It was the best feeling ever coming out of the court, the phone call from the OR was nothing to worry about, infact after i had my initial call from them i felt at ease, as will you.
They are not Judges, just human beings doing a job, i did not like the thought of not being in control, but now i have no real worries and its great.
Honestly it will all go smoothly and you will soon be posting about how it was not as bad as you thought. :-)
Take care
Jo x
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
For links to help with Bankruptcy, useful web pages and also a run down of my new debt free life, both before and after Bankruptcy, then please visit my blog:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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digman
Junior Member
United Kingdom
319 Posts |
Posted - 27 September 2008 : 19:32:12
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Hi Jo
Thanks for your thoughts and good wishes , i really appreciate them .
I am looking forward to that day where i have no debt related worries and am sure it will feel great .
You , and all the experts , are a real credit to this site , and i know that you all do your best to allay worries , help and advise where you can .
Andy
PS , i noticed you sent a gentle reminder to Admin re the e-mail exchange . Thanks |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 27 September 2008 : 19:54:00
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I feel like im in control with getting everything sorted, but no doubt the OR will pick out something simple that ive missed.
I wish you look for friday, and look forawrd to breathing that first sigh of 'debt' relief
The weights are coming off my shoulders very slowly, but making such a big diference !! |
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digman
Junior Member
United Kingdom
319 Posts |
Posted - 27 September 2008 : 20:18:14
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Thanks 'moneyworries' , appreciate your good wishes ,
Andy |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 27 September 2008 : 22:10:42
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Hey you know i love to help as the saying goes been there done that, well i am 8 weeks in now.
It will all come good in the end, the feelings are great, yeah we have worries still the house, where will we go but hey thats in the future, the house caused most of our debts anyhow so that is not really an issue.
We want to be happy and not be scared of the phone or the post and by going BR we have not chosen an easy route but its been the best thing we have done, and we have learnt a very valuble lesson indeed.
NO MORE CREDIT CARDS or LOANS.
Oh well maybe a car one in the future but thats it, if i need a CC it will be prepaid.
LOL
Jo x
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
For links to help with Bankruptcy, useful web pages and also a run down of my new debt free life, both before and after Bankruptcy, then please visit my blog:
http://debtfreejo.blogs.bankruptcyhelp.org.uk/ |
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BRO/BRU
