My Day In Court

hadenoughnow

Hi Everyone,

Well thats part one over, arrived in court at 9.25, we were taken into a room by a woman, who we thought was quite a snotty and looked down on us, but in the end she had a bit of a laugh and was quite pleasant. we went through forms, a few trivial mistakes later and we were told to go out for an hour get a coffee, so maccie d's it was. We also went to a couple of shops and bought some stuff for our eldest son with his xmas vouchers, this must have looked bad at BR hearing having shopping bags with us!! anyway i deviate, went back at 11.15, and called into the judge at 12pm. he was polite but stuck to his questions. have you sought advice, when and why did it happen, and then outlined basically the effects of BR and the job of the OR, 5 minutes later we were out Debt free!, Being a 2nd timer i knew the court process wasnt a worry, MRS H was panicking though. Whats worrying me though is my Interview with OR.

So now we go and wait for OR to ring, 12.45 we speak to an examiner lady, very nice and polite, and again had a bit of a laugh on the phone. She started by speaking to MRS H, and then me, went through some basic questions and told us that we would probably both have Phone Interviews! I was amazed and somewhat releived. I explained that i was BR in 98, but she said as it was so long ago it wouldnt affect things. gave us our dates in early FEB and that was it. they took the handcuffs off (just a joke for any newbies)! and off we went, both very releived people.

I learnt one piece of valuable advice today:

If you are in an IVA whether you are paying or not, the judge will not grant your BR unless it has officially failed and you have a certificate to prove it, he very nearly adjourned our case because of this, but i managed to convince him that ours had definately failed and a certificate issued, although i have never received one.

philnicandamy

one thing to bear in mind though....some courts dont ask for a IVA faliure cert so you'd need to check with the court you attend

Well done on the day though hadenough really pleased all went well for you

DON79

:j Congratulations hadenoughnow! Am pleased that it was not as bad as you thought it was going to be. :j

Donna

hadenoughnow

DON79 wrote: »

:j Congratulations hadenoughnow! Am pleased that it was not as bad as you thought it was going to be. :j

Donna

Thanks Donna, but i was never really worried about court, Im still shi***ng myself about the OR interview, even though it may be in the comfort of my own home! Thats a post to watch out for, after that day (and when i know they have finished with me) I will have some much advice to offer, as my 2nd BR covers a lot of other peoples questions i think.

startagain_2

Congratulations hadenoughnow,
You are like me, something goes right and so you look for the next thing to possibly go wrong.. It seems to be a habit people that have been through a lot get into.....

Well, the lovely peeps on here have assured me that the BR day is the worst and that it is downhill from here on..

I am sure it will be the same for you, my fingers are crossed.....
Good Luck
SA

hadenoughnow

startagain wrote: »

Congratulations hadenoughnow,
You are like me, something goes right and so you look for the next thing to possibly go wrong.. It seems to be a habit people that have been through a lot get into.....

Well, the lovely peeps on here have assured me that the BR day is the worst and that it is downhill from here on..

I am sure it will be the same for you, my fingers are crossed.....
Good Luck
SA

Thanks SA, Mine too, i just hope that i get my phone interview, would rather get a bollocking in my own home than in an office, plus it saves a long drive in a clapped out car with no heater!!!

startagain_2

hadenoughnow wrote: »

Thanks SA, Mine too, i just hope that i get my phone interview, would rather get a bollocking in my own home than in an office, plus it saves a long drive in a clapped out car with no heater!!!

Nothing wrong with your Sense of Humour Are you coming out for a celebration drink in skintsteves 2 cars tonight? There is about 16 of us so far..... :rotfl:

SA

dubiousone

Hi hadenough. Regarding you last statement, I contacted my local county court recently and asked about the failed IVA certificate and she stated she had never heard of it in that court and I didn't need to bring one with me. Seems silly to me anyway, I can imagine an IVA company deliberately taking weeks to send one out.

skintsteve_2

Congratulations hadenoughnow, It is downhill from here, and yes you're all welcome to....

"pile in for the trip to the Banruptcy Inn":beer:

hadenoughnow

skintsteve wrote: »

Congratulations hadenoughnow, It is downhill from here, and yes you're all welcome to....

"pile in for the trip to the Banruptcy Inn":beer:

Not sure how a bankrupt managed to keep a stretched limo, but yep pick us up. im a grand down after today, so cant afford a drink!!

hadenoughnow

dubiousone wrote: »

Hi hadenough. Regarding you last statement, I contacted my local county court recently and asked about the failed IVA certificate and she stated she had never heard of it in that court and I didn't need to bring one with me. Seems silly to me anyway, I can imagine an IVA company deliberately taking weeks to send one out.

mine failed last year so it wasnt an issue, but after all the stress of geting as far as court and then to have it adjourned, i would have gone ballistic.