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BR as of yesterday! Here's how it went...
MrHadEnough
Posts: 29 Forumite
Hi all, as people have been so helpful in telling me their story I thought I'd share mine (not the long version though!) as it seems the process of going BR varies a lot....
I had my appointment for 10.30am - Sheffield County Court. Was running late - couldnt find it (was printing the forms off at 9.40am....! Luckily they only wanted ONE copy though). First piece of advice - organise your time better than I did!!
Got to the court at about 10.35am and apologised but they didnt mind at all. I was so nervous I was stuttering and felt like I was in a spotlight but thats kind of silly because they have people like me coming in all day every day! Incidentally, I wore a shirt and trousers in case I needed to see the judge. I'm sure more casual would have been fine though.
The lady who went through my forms (after only a very short wait) was lovely and very professional. She was also training another lady - they were both nice. They are so nice and helpful - there was so little to worry about. I gave my money (£510) and she said she'd see the judge to ask if he/she wanted to see me in person (some apparently want to, some just sign it off and thats it). I was relieved that I didnt have to see the judge and they signed it off and off I went - 30/40 minutes maximum! I had to stop from crying at the end of it (I'm a bloke and dont like to be too soft!) but I guess I got through it ok.
Then two hours later (after a £2.99 sausage, chips and beans at wetherspoons on my own to celebrate!) I got a call on my mobile from the OR office (the clerk). She was also very nice and asked me quite a few questions mainly about assets etc and said I'd receive info about the OR interview in the post. She also asked about my car - i told her it was worth £1100 but was broken down and at a car repair garage (it's waiting for me to afford to fix it!)
Now this may surprise many of you but she asked about contacting my landlord. I dont own a house- I rent. I asked if it would be absolutely necessary to contact the landlord. She said YES, they would be (which is standard, apparently) - in order to check I'm renting from them, and that landlord WOULD therefore have visibility of my BR. I previously thought my landlord wouldnt get to know!
Anyway as it happens, it's my girlfriend on the tenancy agreement and I'm only listed as another adult living there (I couldnt get on the agreement because landlords agent credit check all who want to be on it!). I hope this is all visible to the OR or it'll look like I'm telling porkies (which I'm obv. not!) Anyway, my landlady is a parent of a pupil at the school where I teach. What are the chances!? - just hope she's professional enough to keep it hush!
So I now await my OR interview which may or may not be by phone apparently and can last up to 2 hours!! wow - need time off work for that which is awkward. oh well!
Not sure I'm any happier now. I guess I should be but I just want the next 9-12 months to be over (if thats how long it takes!?)
Hope this post helps a few people! I'll keep you posted on my next step!
I had my appointment for 10.30am - Sheffield County Court. Was running late - couldnt find it (was printing the forms off at 9.40am....! Luckily they only wanted ONE copy though). First piece of advice - organise your time better than I did!!
Got to the court at about 10.35am and apologised but they didnt mind at all. I was so nervous I was stuttering and felt like I was in a spotlight but thats kind of silly because they have people like me coming in all day every day! Incidentally, I wore a shirt and trousers in case I needed to see the judge. I'm sure more casual would have been fine though.
The lady who went through my forms (after only a very short wait) was lovely and very professional. She was also training another lady - they were both nice. They are so nice and helpful - there was so little to worry about. I gave my money (£510) and she said she'd see the judge to ask if he/she wanted to see me in person (some apparently want to, some just sign it off and thats it). I was relieved that I didnt have to see the judge and they signed it off and off I went - 30/40 minutes maximum! I had to stop from crying at the end of it (I'm a bloke and dont like to be too soft!) but I guess I got through it ok.
Then two hours later (after a £2.99 sausage, chips and beans at wetherspoons on my own to celebrate!) I got a call on my mobile from the OR office (the clerk). She was also very nice and asked me quite a few questions mainly about assets etc and said I'd receive info about the OR interview in the post. She also asked about my car - i told her it was worth £1100 but was broken down and at a car repair garage (it's waiting for me to afford to fix it!)
Now this may surprise many of you but she asked about contacting my landlord. I dont own a house- I rent. I asked if it would be absolutely necessary to contact the landlord. She said YES, they would be (which is standard, apparently) - in order to check I'm renting from them, and that landlord WOULD therefore have visibility of my BR. I previously thought my landlord wouldnt get to know!
Anyway as it happens, it's my girlfriend on the tenancy agreement and I'm only listed as another adult living there (I couldnt get on the agreement because landlords agent credit check all who want to be on it!). I hope this is all visible to the OR or it'll look like I'm telling porkies (which I'm obv. not!) Anyway, my landlady is a parent of a pupil at the school where I teach. What are the chances!? - just hope she's professional enough to keep it hush!
So I now await my OR interview which may or may not be by phone apparently and can last up to 2 hours!! wow - need time off work for that which is awkward. oh well!
Not sure I'm any happier now. I guess I should be but I just want the next 9-12 months to be over (if thats how long it takes!?)
Hope this post helps a few people! I'll keep you posted on my next step!
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Comments
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doesn't sound too bad at all... but glad all went ok! :beer:0
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Sounds like you might have had the same clerk as me at court, mine was lovely only young and totally understood, i didnt see the judge either.
Congrats on your bankruptcy (maybe they should start making cards in the shops now
) Is a Bipolar bear
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I liked the bit about celebrating at the Wetherspoons with a £2.99 sausage, chips and beans.
Don't worry about what people know and don't know about your BR. These things happen. You faced up to the problem and sorted it and I'm sure you won't get into the same problem again.
Well done for hanging in there...0 -
Well done on having the courage to do what you needed to get your life back on track.BSCno.87The only stupid question is an unasked oneLoving life as a Kernow Hippy0
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The hardest bit really is deciding that you really have to go br, then the awful churning of having to go to court, then being in court.. You've got through it! Here's to a peaceful nights sleep tonight.0
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Well done MrHadEnough!! I am a newbie on here this is my first post. I am looking at facing BR and am really scared,thanks for sharing your story with us!Determind to make a better life for ME and my children
Thanks to hangingbyathread for making me include myself in the above xx0 -
Many thanks for all youre comments - it's what I love about this forum - huge support and you guys can always put a smile back on my face. So thanks.
thanks also cloverfan - Its been 2 years that I've been facing BR and have been to hell and back (or it seems that way anyway but I know there are many people worse off). If BR is the only option, take a deep breath and go for it. It is without doubt so good to know there's a light at the end of the tunnel. Keep looking through this forum too -these guys are not only a wealth of knowledge but in my opinion the best people to give support.0 -
Well done on making it through your BR day, I'm dying for sausage, chips and beans now = no Wetherspoons near me though!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) £268000.000 -
Shame your too far away IQUIT I could have cooked up a storm....be cold though by the time I got to you!
on a serious note though..........Well done Mr HE really pleased to hear all went ok....:jWe all die. The goal isn't to live forever, the goal is to create something that will0 -
Yes well done.... nice to hear it went nice and smoothly0
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