The September 2009 Bankruptcy & DRO club!

ToTheFuture1A

Hi Everyone,

Praise God,i finally did it.Yesterday,i got through the OR interview and it was fine.
The OR call interview was late afternoon and a nervewracking wait.
Lasted about 45 mins,i had all docs ready as im not great with numbers.
she was sympathetic and truly lovely lady.
I cried at end of phone call interview and sat looking in silence.stunned.
Its not as bad as you think.and i really had my guardian angels looking out for me here.I swear i felt a bright light around me when i put the receiver down.It was all over.

Its a long road still to live life post bankruptcy,and all i have is a Step account with Nat West.Went there today to get some of my wages.they had blocked the account,but they ordered a new card today.I was told that the Step account is cash hole in wall or OTC only,without checkbook,and some "big shops" dont accept the card as it wont say "maestro" on it.so advised to take cash to shops,just in case.

But i cant tell you how it feels to have no creditors on my back making life stress-ridden.
Theres a light at end of tunnel.
Im aware as OR said that they may call me at later stage for another interview,but she sounded like it was all over.telling me that i may be discharged at 9-10 months via letter.At back of my head its haunting me that i may get that 2nd call.but to be honest,what for? i have no assets and just my tax credits and wages to live on.

sorry post is long but wanted to paint a bright picture for those who have yet to go through their OR interview.

Keep the Faith.
Hugs
ToTheFuture1A.

DON79

Hi Peacock and TTF1A!

thank you both for sharing your experience with everyone, it does help if others can read about it and helps them know what to expect too.

I am pleased that you are both feeling happier and more optimistic! Keep it up!

Donna

Clairvoyant_2

Hi All

I have my OR interview tomorrow (Mon 5th) @ 2pm. lets hope its not to long as I have the school run @ 2.45pm. lol

I have ran my debtors and told them Im now BR , so they stop ringing me.

Well fingers crossed.

DON79

Hi clairvoyant, hope things go well today for your OR interview and that it doesn't take too long.

gone18sept09

My husband and I had our OR interview this morning it lasted about 1 and half hours.The OR was very helpful he let my husband do my part of interview just asked me a few questions to confirm things.He will be sending a letter and we have to send a couple of things back.It went a lot better than I thought it would.Thank you for having this site it has been very helpful to me I now know we are not the only ones in this situation and wish all the best to everyone for the future.

gone18sept09

Can you add me to the september list please.

Clairvoyant_2

Well my OR interview went well even if they was late ringing. lol

Was told I can keep my car as Im on JSA and its only worth about £850 9and need work done on it).

They asked question about things I couldnt remember 100%.

So finger crossed, everything goes well from here on.

DON79

Hi, welcome to gone18sept09, hope everything has gone ok for you since your BR??

Am pleased that you can keep your car Clairvoyant, and never mind about things you can't remember, it probably happens a lot and they will be used to people forgetting some things. Don't worry.

sams247

Hi, I second what Donna said above, it does really help to read about people's experience, especially for me today, I have my OR interview this afternoon and I swear I am far more nervous than when I was due to go to court for the BR

Clairvoyant_2

Question, Does my BR effect my wifes credit score. We dont have any joint accounts or Debts.

But Experian has her linked to me (as we are married).