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bill88
Starting Member
United Kingdom
38 Posts |
 Posted - 09 April 2009 : 09:06:31
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Hi guys,,
Im nor free of my bankruptcy, no more payments and no more bankruptcy (only on my report)
feels good to be free, all those going through BK at the mo,dont worry ur time will come.
Thanks to all the help from you gys, i will still be using this forum, i still maybe have Q id like to ask or i may beable to help some1 else fro my experience..
thanks guys |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 09 April 2009 : 09:33:50
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Congratulations, it's a good feeling isn't it?!?!
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/
22 IPA payments made, 14 to go - on the home straight! |
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bill88
Starting Member
United Kingdom
38 Posts |
Posted - 09 April 2009 : 09:36:30
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DEFINATLEY!
I GAVE MYSELF A PAT ON THE BACK! |
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Melanie.n
forum expert
United Kingdom
1282 Posts |
Posted - 09 April 2009 : 09:37:02
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Congratulations, onwards and upwards...for future reference - a life without some debt may not be possible, as we all incur debt for large purchases such as a car, but the secret is to keep on top of the debt and only incur debt you can afford to repay, and never take out credit to repay other credit ie cards to pay other cards or transfer balances you only end up with balances on both cards - and steer clear from consolidation loans, they definately do not work!
Well done though in seeing this through to the end- and thank you for the positive post - it will hopefully give support to other thinking about or beginning the process of bankruptcy, and please pop back on the forum every now and your experience having gone through the process will be valuable to others!
Have a good Easter, and not too many chocolates!
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
email me at melanienicholas@jonesgiles.co.uk
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s4pps
Junior Member
252 Posts |
Posted - 09 April 2009 : 09:39:21
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Congratulations!
Suzanne x
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Jane.l
Average Member
511 Posts |
Posted - 09 April 2009 : 09:51:56
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I have done 18 months now with no credit and I have no intention of getting any ever again, I run an old banger car, its lasted me since bankruptcy and is very reliable, it only cost me £400 and when that breaks, I will buy another old banger. I have given up hope of getting credit for a car so unless I can save thousands, the days of nice cars have long gone for me! I still have my private number plate but there is no point putting it on a car which is worth less than the plate, I have just applied to have it valued but not sure if I can bear to sell it.
I have a PAYG phone, thats fine for me too, so no contract there. I will never again apply for a loan, if we want a holiday, we will save up the cash first, so I think a person can live without credit.  |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 09 April 2009 : 10:18:57
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The only thing I will have credit for in the future is a car, and possibly if we ever move a mortgage. I've still got my contract phone as I wouldn't trust myself to remember to top up a PAYG!
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/
22 IPA payments made, 14 to go - on the home straight! |
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bill88
Starting Member
United Kingdom
38 Posts |
Posted - 09 April 2009 : 10:22:25
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THANKS GUS/GIRLS,
ALTHOUGH I DONT THINK ID BEABLE TO GET CREDIT ANYMORE?
I DONT THINK ID WANT IT NOW AS IVE LEARNED TO MANAGE WITHOUT BUT AS MELAINE SAYS WE ALL MIGHT NEED IT ONE DAY, WHICH I GUESS IS CORRECT BUT I CANT SEE ANY COMPANY WANTING TO GIVE OUT CREDIT TO SOMEONE WHO WENT BANKRUPT? |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 09 April 2009 : 10:30:50
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Not straight away, but it will be possible in the future.
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/
22 IPA payments made, 14 to go - on the home straight! |
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LastResort
New Member
United Kingdom
56 Posts |
Posted - 09 April 2009 : 10:47:26
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| Fantastic! Good luck for the future! x |
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s4pps
Junior Member
252 Posts |
Posted - 09 April 2009 : 14:38:44
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quote:
Originally posted by bill88
BUT I CANT SEE ANY COMPANY WANTING TO GIVE OUT CREDIT TO SOMEONE WHO WENT BANKRUPT?
Slightly off the topic. I have a friend who has cleared her mortgage. Only one dependant. Her and her DH both earn over 30k. No credit at all. They applied for a 2k loan as son needs major dental work.........They were declined because of no credit history!
Suzanne x
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 14 April 2009 : 18:48:39
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quote:
Slightly off the topic. I have a friend who has cleared her mortgage. Only one dependant. Her and her DH both earn over 30k. No credit at all. They applied for a 2k loan as son needs major dental work.........They were declined because of no credit history!
Suzanne x
Yep, in this strange 'credit history' world you need to be in debt, and make the credit payments, in order to have a good credit rating. A similar thing happened to me after living abroad for 5 years. I came back to the UK and was unable to get credit for anything even though I had a good job as I didn't have a credit history.
Bill88 - Congratulations on completing the BR. I'm just starting my journey but am looking forward to a new financial life  |
Edited by - gettingoutofdebt on 14 April 2009 18:51:12 |
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