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BR today! And what came next...

Trom
Trom Posts: 275 Forumite
edited 28 October 2009 at 5:30PM in Bankruptcy & living with it
My appointment was for 9. I got there 8.50 and was asked to wait a bit. There were counters and a few chairs where I took a seat. I was on my own. A few minutes later the clerk came over (same one I had spoken to on the phone I think) and went through my forms at the counter. She corrected a couple of things and took my payment. She then asked me to take a seat again for another 10-15 minutes while she prepared the forms for the judge and then she'd come get me to go see them and we'd come back again to wait for the file and ring the OR.

I took a seat and after 15 minutes she came to tell me they had a different judge in today who doesn't normally see people (!) so I may not have to go down at all. I waited until 10.10 and she came back with my BR Order stamped and everything!!! I felt almost cheated out of my proper BR experience. :rotfl:

Anyway, she then took me to another room and rang the OR's office. She told them I was the only BR today and that they'd be pleased to know 'it's a very straightforward one' (almost cracked a smile there). She passed on the phone after giving my details and left the room and I spoke to a lady who asked for my NINO and my landlord's details (and other things that didn't apply to me so I don't remember them, sorry) and whether I had bank accounts with money in them. I told her I just wanted to keep my Co-op live (current balance £0) because my pay would go in end of the month and she said that's fine, but to let the Co-op know about BR because it's best they don't get any surprises. She then said I'll be getting a pack in the post in 2-3 weeks (or 4+ with postal strike) with three forms and details of my interview that may be over the phone or in person. Went back to the clerk who gave me copies of my BR Order and wished me well and that was that.

Stopped by the Co-op branch on the way home and told them what the OR's office had said; they took a copy of the Order and put a note on my account and said that was all fine. Then I got myself a £1 M&S cheese & onion sandwich (hey, it's still M&S) and had my first glass of wine at 11.30 - hadn't even had breakfast yet :D (a PB I'm sure).

Now I'm sat here thinking... nothing. I don't feel anything at all to be honest. Just, 'OK, that one's sorted, what next'. It might hit me more tomorrow when I'll be enjoying a few days' holiday - hopefully in a good way. So much stress the past 10 months - may take a while to catch my breath.

So that was all! I'd had had more excitement at work and my job is pretty boring!!
BR 22/10/2009 ED 08/07/2010
«13

Comments

  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    The mechanics of it are amazingly mundane, aren't they? :D

    Well done though. :);)
    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
  • Trom
    Trom Posts: 275 Forumite
    Fermi you're absolutely right. However if it wasn't for places like this I wouldn't have known that and I seriously doubt I would have ever gone through with it. No matter what places like CCCS and the National Debtline told me, I would have likely not believed them or thought they didn't have all the facts or that they didn't understand my circumstances or whatever! It's because of reading what other people had to say who'd gone through the thing themselves that I even looked in this direction.

    A massive thank you to all who spend your time here sharing what you know with others.
    BR 22/10/2009 ED 08/07/2010
  • dojoman
    dojoman Posts: 12,027 Forumite
    Thanks for sharing your experience of going BR, I hope ours is as straight forward as that, good luck for the future and let us now what life is like post BR. :beer:
    :pB&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    Well done trom....glad to hear it went ok
    We all die. The goal isn't to live forever, the goal is to create something that will
  • im so glad it over for you, yes it is a ..well what was that all about moment,but it is better than going to court an coming out a nervous wreck.its all the months to the lead up to this day thats worse.so well done now relax regards penny x
  • crowman19
    crowman19 Posts: 371 Forumite
    Trom wrote: »
    .


    Now I'm sat here thinking... nothing. I don't feel anything at all to be honest. Just, 'OK, that one's sorted, what next'.

    Well done to you.

    That was the same as the way I remember feeling after mine.
    Bankrupt 07/10/2009

    Early Discharge 20/05/2010
  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    Hmm its a weird feeling....but it'll change once you get the OR's interview over
    We all die. The goal isn't to live forever, the goal is to create something that will
  • Happy days and well done you.
  • I was declared today tooo just waitin on the or interview in couple weeks - but yes i dont blame ya enjoyin a glass of wine i am :)
  • Amiga
    Amiga Posts: 241 Forumite
    crowman19 wrote: »
    Well done to you.

    That was the same as the way I remember feeling after mine.

    Exactly the same here. Even after my OR I still felt like that. On the postive side Trom at least it wasn't as horrible as I bet you dreamt it would be last night ;)
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