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md7
Starting Member
43 Posts |
 Posted - 17 November 2008 : 17:54:47
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| Do have to know who all your creditors before you can go br. what happens if you dont know or cant remember who they all are. thankyou |
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 17 November 2008 : 18:02:28
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You need to try your very best to remember otherwise the OR may assume you are hiding something.
you could get a copy of your credit report which should list all credit - Experion.
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
For a Free Impartial Review before taking the leap call me @ Reviva UK
www.revivauk.com |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 17 November 2008 : 20:24:19
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You might need to get a copy of all 3 credit files - Experian, Equifax and Callcredit. I've found that some of my creditors reported to one agency and not the others.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/ |
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md7
Starting Member
43 Posts |
Posted - 17 November 2008 : 23:28:45
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thanks for the info skippy. i take it you need some kind of credit or debit card to get this information. iam going to make an appointment with reviva tommorrow [thanks to paul]. the other worry i have is everybody keeps saying dont use a credit card if you cant pay the first three payments. guess what i did. I have a sick feeling thst i am going to prison.
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 17 November 2008 : 23:50:58
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Hi
will be good to go over everything so that you can get some peace of mind, understand the process and get a plan of action together.
If you view this like a military operation then you won't forget anything and you will plan to succeed with the minimum of stress.
take care
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
For a Free Impartial Review before taking the leap call me @ Reviva UK
www.revivauk.com |
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md7
Starting Member
43 Posts |
Posted - 17 November 2008 : 23:55:14
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thankyou paul speak to you tommorrow.
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 18 November 2008 : 10:04:17
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Hi md7
Good Luck with Paul today
I am certain you will feel alot more positive once you have spoken with Paul.
Onwards and Upwards is the way im going :-0)
xx |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 18 November 2008 : 10:06:14
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Hi MD7
Let paul go through your options with you and dont worry about the "Prison" thing, we all look back and querie what we spent our money on etc etc, but none of us deliberately took credit with no intention of paying it back, its all circumstantial.
Dont go worrying about something that may never be, otherwise you will drive yourself insane and life is too short for that.
Take care and let us know what happens.
LOL all your friends on the forum ;-)
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 18 November 2008 : 12:00:10
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Good luck today, and please don't worry about prison. As Jo says none of us borrowed the money without intending to pay it back.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/ |
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md7
Starting Member
43 Posts |
Posted - 18 November 2008 : 12:41:45
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hello thankyou to everybody for your support i have just had a chat with paul
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md7
Starting Member
43 Posts |
Posted - 18 November 2008 : 12:48:26
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whoops pressed wrong button. chat went well paul is really nice guy i feel better i now have a mission. thanks to every body speak to you soon.Dave
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 18 November 2008 : 12:55:12
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I'm glad it went well and you're feeling better about things x
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/ |
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movin on
Average Member
United Kingdom
946 Posts |
Posted - 18 November 2008 : 13:35:56
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Dave
Glad it all seems clearer now for you.
Onwards and Upwards is the way im going :-0)
xx |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 18 November 2008 : 14:24:40
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Hey thats great Dave
If u need us for anything else you know where u can find us.
Take care
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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md7
Starting Member
43 Posts |
Posted - 18 November 2008 : 14:52:48
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thankyou for been so freindly. quick question i am just writing my letters for credit reports. Equifax info is £2.00 and experian info is £5.95 is that right. these things dont seem to be made for people with no credit cards or bank account but not to worry we will overcome. dave
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 18 November 2008 : 14:54:47
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Equifax and experian can both be ordered online for £2 each, callcredit is also £2 but i think you have to write to them.
For the links have a look in my blog.
Best of luck
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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Topic |
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do have to know who all your creditors are?
