I was given a small sum of money from my father, I became ill with epilepsy and can longer do my job, I am 45, also I cant return to my place of work with a BR against me. It was their intention to find me something I could do when I am well enough. I am just getting a bit tired of being told, you h...

Hi folks I have been served with the stat br order for the sum of 2.7K. I have been in touch with cccs who have put me in touch with a legal place who are looking at my case. All I have to offer has been offered so there is really nothing more I can do. To tell you the truth, everyone you speak to s...

Hi all I am a little bit confused. I found another debt forum and asked the same questions. The advice was that this creditor will not make me bankrupt as the cost of them doing so is in excess of £1500. In return they will get nothing. Does anyone else think this is a big bluff? I dont know what to...

Hi Thanks

I am in Solihull Lodge.

Its me again I opened my account with co op today, just a basic account with a debit card, no overdraft. I have been reading about the income and expenditure, to be honest Chris I will be so much better off. I have been paying creditos what I can and they never appreciate any of it, they always want...

Hi Yes I have thought of that, I have printed off stuff from here, I havent read everything yet. The conclusion I have come to so far is; I have tried to pay back something of what I owe, I would have continued to do so, even paying something when I return to work. I have made creditors well aware o...

Hi guys Thanks for you lovely words. Just one quick question; As I am being made bankrupt for the smaller debt, will I get the chance to put my other bigger debts down? Is it worth me filling the BR forms in with everything, or is it just this one debt that will be included? How will that work with ...

Thanks everyone, I will go and have a look at the BR site now, print some stuff off. I am feeling OK now, even though its been a really tough couple of days.

Thanks to all of you. I dont know where I would be today if it wasnt for you.

I am very grateful.

Yes you are right, just trying to analyse the reasoning behind them doing this. Its been going on for a long time now, although I made full payments before I went on to half pay, I did write to them and asked about settlement. I made small payments to them with the half salary. I have tried my best,...

Hi Skippy I am with Lloyds tsb. I have a visa debit card but no credit with them. I dont owe any money to the phone company. It is a 25 pounds a month contract and i usually pay about 27 pounds a month by direct debit. I am quite scared now to be honest, I know it will be OK just the unknown I suppo...

One more thing. I am due to upgrade my mobile phone tomorrow, I feel I need a mobile phone, well my Dad and my children like to know where I am every second of the day to be honest. My dad has only just stopped asking me if I got out of the shower alive. Would it be wrong to renew the contract knowi...

Another thing that I am thinking is this money I have from my Dad, I want to take some of it out and just put it aside for the rent. Perhaps just pay something in advance of my losing this half pay. I know in October I will lose this pay. The main thing is having somewhere to live I really dont want...

Another thing I need to ask is since I am being made bankrupt, does that mean it will just happen and all my money will be just taken without a warning. What happens about the bank account I have? I dont owe anything to my bank, do I need to open another account? Sorry to be a pest. Is being made ba...

Hi again. I cant understand why they are taking this attitude. The debt has been sold on and they now own it. I am sure I read somewhere they bought it for 10p or so in the pound, in this stuff from the CCCS. I am sure they said, when I spoke to them that it would cost the creditor thousands of poun...

Hi again I have to admit to being quite scared again. I have just phoned the company and they are going to proceed with the stat bankruptcy. The man I spoke to was horrible, he said, well you have 32K debt, and offering 25 per cent, its never going to happen is it? We would only ever consider 75 per...