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Bankrupt this morning

piemashandliquer
piemashandliquer Posts: 72 Forumite
in Bankruptcy & living with it
After some fantastic advice from here and some panicky Threads put on here, My OH and I went bankrupt this morning!!

We were nervous and hated handing over the £990!! The people in the court were very pleasant, the judge very straight and pleasant too.

We had a half hour break before being put on the phone to the OR. What a pleasant and charming young lady, completely put us at ease.

We now await the phone call from the OR to discuss more details but this does not scare us now as I believe she is very approachable, I hope others get the same treatment as we did.

The vodka and whisky will be flowing tonight though as a good nights sleep is in order.

Phew :D
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Comments

  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    Well done!!
    glad to hear all went well....apart from handing over the £990 (booo!)
    We all die. The goal isn't to live forever, the goal is to create something that will
  • piemashandliquer
    piemashandliquer Posts: 72 Forumite
    Thanks!!!

    I really dont know what I would have done without this forum when my head was spinning with questions. I will continue to post as my bankruptcy progresses and hope I can support others in the way I have been supported!!

    Vodka on its way!! lol
  • affluenza
    affluenza Posts: 298 Forumite
    That is the irony - you have no money so you want to go bankrupt and they land you with a bill for £990!

    Well done on getting through this - you can have a nice weekend now.

    Where in UK did you go BR?
  • piemashandliquer
    piemashandliquer Posts: 72 Forumite
    Hi there,

    We went bankrupt through Exeter, Devon court. We recommend it lol.

    :D
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    £990........... OUCH!

    Still. Next week it would have bee £1,020. :eek:

    Well done both of you. :beer:

    I hope the examiner that does your interview is as nice as the one you spoke to today. :)
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • iquit
    iquit Posts: 1,939 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer:
    Congratulations 'hic'.
    2019 MFW No. 74 £13700/£30000 (45.66%)
    12k in 2018 No. 98 £6274.19/£18000 (34.85%)
    BTL (start) £97440.00 (current) £68000.00
    Residential (start) £275000.00 (current) £268000.00
  • Merry_Gentry
    Merry_Gentry Posts: 3,627 Forumite
    Congrats :beer:
    Get free advice before embarking on bankruptcy: CCCS 0800 138 1111 National Debtline 0808 808 4000
    Business Debt Line 0800 197 6026 CAB Insolvency Service- 0845 602 9848
    "He who laughs last didn't get it!" :rotfl:BSC 134

  • fiveyearplan
    fiveyearplan Posts: 10,145 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    Congratulations. As fermi says at least you got in before the increase and also the last working day of the tax year (I did the same last year!) so will avoid nil tax code if applicable.

    :j :j


  • dalip
    dalip Posts: 7,045 Forumite
    Wel done pie and partner. Glad the forum helped a little. Thats what it is here for.Keep posting.x
    Free impartial debt advice available from: National Debtline - Tel: 0808 808 4000 | The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111 | Find your local Citizens Advice Bureau
    Laugh at yourself and others laugh with you.Laugh at others and you laugh alone. BSC No 107:D
  • dottydora
    dottydora Posts: 441 Forumite
    Part of the Furniture Combo Breaker
    We did ours at Exeter in March and had our OR interview over phone today. We didn't see judge or speak to OR on the day but everyone was great to us, particularly receptionist in Court Office. If you get the same lady as us (HL) and you are upfront and honest you will be fine. Good Luck.
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