March 2009 Bankruptcy Club

jellygirl_2

I asked the woman if they'd been busy and she told me that I was the 422nd BR to go through Norwich County Court this year :eek: Blimey - I was no. 258 and I thought that was a lot! thats nearly 5 a day in Stoke - 8 a day in Norwich then (over 52 working days so far this year). Seems loads are doing it.

Maybe it was nerves but I nearly laughed when the "usher" said that I should call the judge "Sir", especially as when I saw him for the first time, I thought he looked a lot like Sir Ian McKellen (:rotfl: ) At least you didnt call him 'Gandalf'!!:)

Really glad it went well and smoothly for you - we can get on with the rest of our lives now - just the OR stuff to go through - but Im not worried at all about that - Im not gonna try to sidestep anything Im asked - Ive been a fool and quite happy to admit it.
Well done again tiggypig :j :j :j




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jellygirl_2

I have officially joined the March BR club now and feel really relieved that I have dealt with my debts and can now hopefully look forward to a brighter future without being enslaved by debt. House is in neg eq with a secured loan on it - really hope i can keep my car - it isnt worth much and would be difficult to get to an from work without it.

Was wondering also - have had phone call from OR's office - spoke to a nice woman who took many details about assets, bank accounts etc and Ive got my OR interview on 2nd April.

I didnt ask, but now wonder if this woman I spoke to is actually my allocated OR??
She told me her first name and that if I had any problems or questions between now and the interview then to call her on a particular telephone number. Anyone know whether this would be the case? - it was at stoke court btw.

jellygirl_2

Just popping my experience at court today in here - Ive posted a separate thread but perhaps should have put it in here - just for info anyway.

Got to the court for 10am - the process was straightforward - i was feeling very apprehensive during the whole process though. I think I was the only one there for br - I had ticket No1 given to me - the civil counter is right next to the family counter - there were some people who are going through divorce, a guy who was distressed about the CSA taking nearly all his wages, and some one who sounded like she was in the process of having her house repossessed - all sad and difficult situations.

After notifiying the counter clerk that I wanted to petition for bankruptcy, i was called into an interview room about 10 minutes later. There I handed over my petition papers and fees to a male clerk. There was a woman with him who was 'training' and he explained the checking of the papers to her - I did ask him to correct the error about secured loan amount which he did.
I signed the petition and swore on the Bible and was told to come back at 11:10am to go before the Judge in the Chambers.
So, at shortly after 11:10am I was ushered upstairs to a seated area and was shortly afterward, called in to a room where the Judge was seated.
I was bricking it a bit at this point - he was quite stern at first and for a few seconds I thought he was going to say I wasnt eligible for br, but he started by confirming my request to be considered for br, asked if I had sought advice - I said yes from various debt charities - He asked if i had been advised about an IVA and I said that a debt charity had said I was ineligible for one. He summed up the amount of debt I was in and declared me br at 11:30am - He then told me about the OR's involvement and the restrictions of bankruptcy that I was now under.
He did smile a little then and said that many people are going br at the moment, its a sign of the times and that I was number 258 this year at this court. He also said that people go br for 1 of 3 reasons; theyre unlucky, incompetent, or wicked - and that br extensions (BRU/O) are rarely given and usually only to those who have acted wickedly. (Felt slightly reassured by that).
I then was handed a file, took that back downstairs to the counter clerk and was told to come back at 12:20pm to speak to the OR's office over the phone. When I came back, was told that the OR's office would call me at home. So I left and whilst driving home my mobile rang - it must have been the OR, I didnt answer it in time so am now at home waiting for them to call back hopefully.

Im really glad that this part is finally over - is it really true that I am now debt free (apart form mortgage and secured loan of course) for the first time in donkeys years??? Seems weird, to have my debt wiped out in a moment - I dont owe any money to these companies anymore!

yellowmonkey

Congrats to the both of you

ym

jellygirl_2

Thanks YM - not long to go for you now - soon be here and done:)

yellowmonkey

Thanks JG. Seems like the pregnancy of an Elephant the length of my wait to go to court

ym

kacyjay

Hi All
Have not been on here for a while,but congrats to all who have been to court and thanks for posting your experiences ,it makes it a little less daunting for me.
My date was booked for 31st march,but car died and im self employed and need it for work so had to find money to get it going:mad: Phoned court today to move br date.The next available date was May 28th!!!!!!!!!!!!!
Looks like they are busy in Bath,so will keep reading how you are all doing and have a drink on me at the inn:beer:

karma_police

jellygirl wrote: »

Just popping my experience at court today in here - Ive posted a separate thread but perhaps should have put it in here - just for info anyway.

Got to the court for 10am - the process was straightforward - i was feeling very apprehensive during the whole process though. I think I was the only one there for br - I had ticket No1 given to me - the civil counter is right next to the family counter - there were some people who are going through divorce, a guy who was distressed about the CSA taking nearly all his wages, and some one who sounded like she was in the process of having her house repossessed - all sad and difficult situations.

After notifiying the counter clerk that I wanted to petition for bankruptcy, i was called into an interview room about 10 minutes later. There I handed over my petition papers and fees to a male clerk. There was a woman with him who was 'training' and he explained the checking of the papers to her - I did ask him to correct the error about secured loan amount which he did.
I signed the petition and swore on the Bible and was told to come back at 11:10am to go before the Judge in the Chambers.
So, at shortly after 11:10am I was ushered upstairs to a seated area and was shortly afterward, called in to a room where the Judge was seated.
I was bricking it a bit at this point - he was quite stern at first and for a few seconds I thought he was going to say I wasnt eligible for br, but he started by confirming my request to be considered for br, asked if I had sought advice - I said yes from various debt charities - He asked if i had been advised about an IVA and I said that a debt charity had said I was ineligible for one. He summed up the amount of debt I was in and declared me br at 11:30am - He then told me about the OR's involvement and the restrictions of bankruptcy that I was now under.
He did smile a little then and said that many people are going br at the moment, its a sign of the times and that I was number 258 this year at this court. He also said that people go br for 1 of 3 reasons; theyre unlucky, incompetent, or wicked - and that br extensions (BRU/O) are rarely given and usually only to those who have acted wickedly. (Felt slightly reassured by that).
I then was handed a file, took that back downstairs to the counter clerk and was told to come back at 12:20pm to speak to the OR's office over the phone. When I came back, was told that the OR's office would call me at home. So I left and whilst driving home my mobile rang - it must have been the OR, I didnt answer it in time so am now at home waiting for them to call back hopefully.

Im really glad that this part is finally over - is it really true that I am now debt free (apart form mortgage and secured loan of course) for the first time in donkeys years??? Seems weird, to have my debt wiped out in a moment - I dont owe any money to these companies anymore!

Well done :T You must be feeling a lot better now?

yellowmonkey

KP.

Sorry but every time you post I think of this

http://www.youtube.com/watch?v=ebqcbn0ieKU

Not a bad thing though

ym

karma_police

yellowmonkey wrote: »

KP.

Sorry but every time you post I think of this

http://www.youtube.com/watch?v=ebqcbn0ieKU

Not a bad thing though

ym

Not a bad thing at all, as it was the inspiration:D My OH chose that name, as a big fan. What a cracking album it is too!