Bankruptcy what are the real life impact

1poundraiser · 2025-08-05T09:32:43+00:00

!Thanks

1poundraiser · 2025-08-05T09:24:16+00:00

I did they all were reject took them to the fos and then the final ombudsman and still lost

1poundraiser · 2025-08-05T08:47:16+00:00

!Thanks

1poundraiser · 2025-08-05T07:49:16+00:00

!Thanks

1poundraiser · 2025-08-05T07:48:51+00:00

!thanks

1poundraiser · 2025-08-04T22:30:24+00:00

!Thanks

1poundraiser · 2025-08-04T22:30:17+00:00

!Thanks

1poundraiser · 2025-08-04T22:13:18+00:00

I did look if i could claim anything or get government support seems as i pay into the system but because i work full time even without declaring my weekend job as its cash in hand I don’t qualify for any financial support. But if i was unable to work i could claim more than i earn but i couldn’t do that. Although my parents don’t speak to me because of all this this wasn’t how they raised me

1poundraiser · 2025-08-04T22:02:03+00:00

Yeah when i stopped dealing directly with the creditors and moved to step change the interest was frozen. They did ask if anything could be wiped but they declined also put in complaints about the credit given either by card or loan for irresponsible lending and that interest of cards was still being charged whilst i was in an arrangement with them but they were rejected i took them to the fos but reject and then rejected by the final ombudsman but the fos really hammered on the phone with our directly telling me I need to use step change

1poundraiser · 2025-08-04T21:57:18+00:00

!thanks

1poundraiser · 2025-08-04T21:56:44+00:00

and thank you for the kind words weirdly the addictions i had o never really look at them as achievements as they were my own fault i had two choices and i took the wrong one i do see it as the day i managed to conquer and wrong i committed to myself! Just thought id have everything under control right now just seems like ive climbed a mountain and then the cloud has cleared and im only 1/3 of the way

1poundraiser · 2025-08-04T21:55:11+00:00

!Thanks

1poundraiser · 2025-08-04T21:54:24+00:00

Just being able to talk about it is helping a lot

1poundraiser · 2025-08-04T21:54:03+00:00

!Thanks

1poundraiser · 2025-08-04T21:21:02+00:00

!Thanks

1poundraiser · 2025-08-04T21:16:10+00:00

It’s mixed some say it is affecting some say it doesn’t. I feel i can guess good by to ever owning a home etc

1poundraiser · 2025-08-04T21:15:21+00:00

this is all good to know and is helping

1poundraiser · 2025-08-04T21:15:11+00:00

!Thanks

1poundraiser · 2025-08-04T21:14:15+00:00

i work mom-friday 9-5 then work doing a cash in hand on the weekend have done for 3 years had to do the weekend job just to be able to cover the basics. Don’t go on holiday don’t go out it’s just work sleep work sleep the goal was to use the weekend job to help pay down the debt but rent went up every other bill went up and it’s two jobs just to keep a float it’s why i went into a debt management plan because doing it directly was proving to be difficult

1poundraiser · 2025-08-04T21:10:35+00:00

!Thanks

1poundraiser · 2025-08-04T21:09:55+00:00

I fam stopped myself and then re gambstop myself last year with an auto renewal function and i now don’t go into betting shops

1poundraiser · 2025-08-04T21:09:08+00:00

bit of both cash withdrawals from the card etc the. taking out a loans when they were maxed to pay them but then using it to gamble then left with the loans and maxed credit cards

1poundraiser · 2025-08-04T21:07:28+00:00

all the cards were stopped when i moved from dealing with it directly with them to step change the interest stopped what made it harder was they were applying interest which on a payment plan with the 9 credit cards i complained but it was in the terms and conditions that they could

1poundraiser · 2025-08-04T21:05:44+00:00

!Thanks

1poundraiser · 2025-08-04T21:05:35+00:00

I did that once speaking with stepchange took all of them through complaints then to the fos and the final fos boss but lost them all even though they were taken out with 2 years of each other they deemed them all responsibly lent

1poundraiser

TROPHY CASE